What levels of liability and umbrella insurance should my business carry to qualify for commercial contracts and protect our assets?

Most mid-market contractors in Texas carry at least $1M per occurrence / $2M aggregate in General Liability, with an Umbrella policy between $5M–$10M depending on project size and contract terms. EIS Texas tailors limits to your revenue, subcontractor volume, and client requirements.

How do I manage and transfer risk properly when hiring subcontractors?

Require Certificates of Insurance with matching limits, verify additional insured endorsements, and confirm waivers of subrogation. EIS provides certificate tracking and subcontractor compliance tools through our Risk Management Services.

Should I carry Workers’ Compensation in Texas, and what are the pros and cons of opting out?

Texas doesn’t mandate Workers’ Comp, but opting out increases employer liability and can limit project eligibility. Many mid-size contractors carry Workers’ Comp or use an Occupational Accident + Employer’s Liability structure. We help you choose what fits your risk profile and contracts.

How do I insure and protect heavy equipment, tools in transit, and fleet vehicles across multiple job sites?

Use Inland Marine for mobile tools and equipment and Commercial Auto for trucks and service vehicles, with territory and jobsite coverage spelled out to avoid gaps. EIS builds asset schedules and coverage extensions that travel with your crews statewide.

As my company grows and takes on larger projects, how should my coverage evolve?

Larger projects increase liability, auto, and workers’ comp exposure. Many growing contractors add higher Umbrella limits and consider Group Captive Insurance Programs to control premiums and claims long term. Start with a Risk Consultation to map a scalable coverage strategy.

What levels of liability and umbrella insurance should my business carry to qualify for commercial contracts and protect our assets?

Most mid-market contractors in Texas carry at least $1M per occurrence / $2M aggregate in General Liability, with an Umbrella policy between $5M–$10M depending on project size and contract terms. EIS Texas tailors limits to your revenue, subcontractor volume, and client requirements.

How do I manage and transfer risk properly when hiring subcontractors?

Require Certificates of Insurance with matching limits, verify additional insured endorsements, and confirm waivers of subrogation. EIS provides certificate tracking and subcontractor compliance tools through our Risk Management Services.

Should I carry Workers’ Compensation in Texas, and what are the pros and cons of opting out?

Texas doesn’t mandate Workers’ Comp, but opting out increases employer liability and can limit project eligibility. Many mid-size contractors carry Workers’ Comp or use an Occupational Accident + Employer’s Liability structure. We help you choose what fits your risk profile and contracts.

How do I insure and protect heavy equipment, tools in transit, and fleet vehicles across multiple job sites?

Use Inland Marine for mobile tools and equipment and Commercial Auto for trucks and service vehicles, with territory and jobsite coverage spelled out to avoid gaps. EIS builds asset schedules and coverage extensions that travel with your crews statewide.

As my company grows and takes on larger projects, how should my coverage evolve?

Larger projects increase liability, auto, and workers’ comp exposure. Many growing contractors add higher Umbrella limits and consider Group Captive Insurance Programs to control premiums and claims long term. Start with a Risk Consultation to map a scalable coverage strategy.

Texas Pest Control Insurance & Risk Hub | EIS Texas

A proactive, relationship-driven approach that extends beyond policy placement—delivering continuous protection, claims advocacy, and integrity-based guidance for every client.

Digital library illuminated with glowing data connections symbolizing pest control industry knowledge and risk insights — representing Eastman Insurance Solutions’ Pest Control Insurance Knowledge Hub powered by EIS Texas.

Protecting Texas Pest Control Businesses Beyond the Coverage™ — Insights, Risk Strategies, and Insurance Solutions.

From chemical exposure to fleet safety, pest control operators face unique risks. EIS goes Beyond the Coverage™ — designing coverage that defends your business, people, and reputation

Industry Overview — Texas Pest Control
Texas pest management companies operate in high-liability environments — with frequent property entry, chemical handling, and fleet operations. EIS ensures full compliance, safety documentation, and risk transfer to protect growth and licensing. EIS Texas specializes in designing risk programs tailored to Texas contractor regulations, workforce dynamics, and multi-state operations.

Explore our most popular contractor guides designed to help you navigate insurance, compliance, and risk management in Texas.

Featured Guides:

Fleet Safety & Driver Compliance for Pest Control
Chemical Exposure Liability Guide
Commercial Auto & Equipment Coverage
Pest Control Insurance Audit Checklist

FAQ Library Topics:

What insurance do pest control companies need in Texas?
How can I cover chemical spill liability?
What are OSHA requirements for pest control businesses?
Is fleet coverage required for pest control trucks?

Key Risk Areas & Resources:

Auto liability & driver management
Chemical exposure & spills
Property damage claims
Licensing & regulatory compliance

Partner with Purpose

When you align with Eastman Insurance Solutions, you’re choosing more than an insurance partner.
You’re choosing a firm that leads with conviction, operates with precision, and serves with purpose.
Let’s protect what matters most — together.

Texas Pest Control Insurance & Risk Hub | EIS Texas

Protecting Texas Pest Control Businesses Beyond the Coverage™ — Insights, Risk Strategies, and Insurance Solutions.

Explore our most popular contractor guides designed to help you navigate insurance, compliance, and risk management in Texas.

Partner with Purpose

FAQs: The Top Questions Texas Pest Control Companies Ask About Insurance

What insurance do pest control companies need in Texas?

How can I cover chemical spill or pesticide exposure liability?

How does EIS Texas help with risk management for pest control companies?

What are OSHA’s safety requirements for pest control companies?

What’s included in a pest control insurance audit?