You’ve built a real pest control company. Multiple trucks, a growing team, steady revenue, and a reputation in your market that took years to earn. At this stage, you don’t need someone to explain what insurance is. You need a partner who understands the specific risks that come with operating at scale — and who can help you manage them before they become claims.
At Eastman Insurance Solutions, we work exclusively with established Texas pest control operators. We’re not a comparison marketplace. We’re not a call center. We’re an independent agency listed directly on the Texas Department of Agriculture’s SPCS Insurance Agents page, and we specialize in building insurance programs for pest control companies that have outgrown transactional coverage.
TALK TO A PEST CONTROL INSURANCE SPECIALIST
What Texas Law Requires for Your Pest Control License
Under the Texas Occupational Code, pest control business license applicants must carry commercial liability insurance that meets all of the following criteria:
Minimum Per-Occurrence Limit: $500,000 for bodily injury and property damage
Minimum Annual Aggregate: $1,000,000
Care, Custody and Control Coverage: The standard CCC exclusion must be deleted from your policy. This is the single most common reason pest control operators’ insurance certificates get rejected by TDA, and we explain why in detail below.
Proof of Insurance: Must be submitted to TDA on Form ALS-1101, or a state-issued Certificate of Insurance that satisfies TDA’s documentation requirements.
If your current policy was purchased through a national carrier or a generalist agent, there’s a reasonable chance it doesn’t meet all four requirements. We review existing policies at no charge.
The Exclusion That Catches Even Experienced Operators Off Guard
Most commercial general liability policies include a Care, Custody and Control (CCC) exclusion. In plain terms, it means your insurance won’t cover property damage to anything in your possession or under your supervision during a job.
For a pest control technician working inside a customer’s home, that exclusion could leave your company exposed for chemical damage, treatment reactions, or structural issues that occur during a service call — the kinds of claims that become expensive disputes quickly when you’re operating at volume.
Texas law specifically requires this exclusion to be removed from your pest control policy. That means you need a carrier willing to endorse it out, an agent who knows to require it, and documentation that proves it’s in place to TDA’s satisfaction.
This is something we handle as a standard part of every pest control program we write. If a prior agent missed it, or if you’re reviewing your current program and want a second opinion, reach out and we’ll take a look.
Coverage for Pest Control Companies Operating at Scale
Meeting the TDA minimum gets you licensed. Building the right program protects the business you’ve spent years growing. Here’s what a complete pest control insurance program looks like for an established Texas operator.
General Liability Insurance
The foundation of your program and the policy that satisfies the TDA licensing requirement when properly structured.
For an operator running 10 or more trucks and handling hundreds of service calls per month, general liability exposure isn’t theoretical. Customer property damage claims, bodily injury allegations, and third-party liability disputes are a routine part of operating at this size. What matters isn’t just whether you have GL coverage — it’s whether your limits are appropriate for your revenue and job volume, whether the CCC exclusion has been properly removed, and whether your certificate language will hold up under scrutiny.
We write pest control GL programs that go beyond the TDA minimum and reflect the actual exposure of a company your size.
Pollution and Environmental Liability
Standard GL policies treat pesticides and chemical applications as pollutants, which means a chemical drift, contamination event, or accidental spill may be excluded from your basic policy entirely.
For a company with multiple technicians applying treatments across dozens of properties daily, pollution liability isn’t a niche add-on. It’s the coverage that responds when a treatment migrates to a neighboring property, when a customer alleges chemical injury, or when a misapplication triggers involvement from the TCEQ or EPA. Those responses carry cleanup costs, third-party claims, and regulatory defense expenses that can reach six figures without the right coverage in place.
If you’re using fumigants, restricted-use pesticides, or rodenticides in or around occupied structures, this coverage belongs in your program.
Commercial Auto and Fleet Insurance
Your fleet is one of your largest assets and one of your most consistent sources of liability exposure. A company running 10 to 50 service vehicles has drivers on the road thousands of hours per year, carrying chemicals and equipment through Texas traffic.
Personal auto policies don’t cover commercial use. Fleet coverage needs to reflect your actual vehicles, driver roster, equipment values, and the liability exposure that comes with the volume of miles your team puts in. We structure fleet programs that can be adjusted as you add vehicles and staff, and we work with carriers who understand the pest control industry’s specific fleet profile rather than pricing it like a generic contractor.
Workers’ Compensation
For a pest control company with 15 to 75 employees, workers’ compensation is one of the most significant controllable costs in your insurance program. Chemical exposure, repetitive motion injuries, vehicle accidents, and falls are all real and recurring in this industry.
Texas doesn’t require private employers to carry workers’ comp, but at your size, the claims exposure of going without it creates more risk than the premium. More importantly, how you manage workers’ comp — your experience modifier, your return-to-work program, your claims handling process — directly affects what you pay year over year.
This is an area where working with a proactive partner rather than a transactional agent makes a measurable difference. We help pest control operators build the operational practices that keep their mod low and their costs predictable.
Pesticide Applicator Insurance
For licensed applicators carrying personal liability exposure beyond what the company policy covers, standalone pesticide applicator coverage fills the gap. This is particularly relevant for operators who hold TDA licenses in their own name and want protection that travels with them regardless of the business structure.
Captive Insurance Programs
For pest control companies in the $3M to $15M revenue range with strong safety records and consistent claims history, a captive insurance structure can fundamentally change the economics of your program.
Rather than paying premiums into a commercial carrier’s pool and getting nothing back when you have a good year, a captive puts your company in a position to retain underwriting profit, build long-term reserves, and reduce your total cost of risk over time. It’s not the right structure for every company, but for operators who have outgrown standard market pricing and are ready to think strategically about insurance, it’s worth a serious conversation.
The Beyond the Coverage Partnership
Most insurance agents send you a renewal every year and call it service. That works fine when your business is simple. It stops working when you’re managing a fleet, a workforce, chemical liability, and a brand you’ve spent years building.
Our Beyond the Coverage Partnership is built around the idea that at your size, insurance should be actively managed, not passively renewed. That means:
Claims Advocacy: When something happens, we’re in your corner from the first call through resolution. You don’t navigate the carrier relationship alone.
Proactive Risk Review: We conduct regular reviews of your program as your business changes — new vehicles, new services, new markets, expanded headcount. Your coverage reflects where you are, not where you were two years ago.
Workers’ Comp Cost Management: We work with you on the operational practices, documentation habits, and return-to-work programs that keep your experience modifier low and your premiums predictable.
Fleet Risk Support: Driver screening, loss run analysis, and coverage structuring designed to reduce both accident frequency and the cost of claims when they do occur.
Renewal Strategy: We go to market proactively on your behalf, not reactively the week before your renewal date.
If your current agent’s primary value is delivering your certificate of insurance on time, you’ve already outgrown them.
Who We Work With
We work with established Texas pest control companies that have moved past the early stages of growth and need an insurance partner who can keep up with them. Our clients typically operate 10 to 50 service vehicles, employ 15 to 75 people, and are generating between $3M and $15M in annual revenue.
If that describes your company — or if you’re growing toward it — we’d like to talk.
We cover operators across Texas including Dallas, Fort Worth, Houston, San Antonio, Austin, and the surrounding markets. If you’re in Texas and you treat pests professionally, we can build a program for you.
Frequently Asked Questions
My certificate was rejected by TDA. What do I do?
The most common reason is the Care, Custody and Control exclusion. Your policy has it and TDA requires it to be removed. Contact us and we’ll review your current policy, identify the issue, and get you a certificate that passes review. In most cases we can turn this around within a few business days.
What’s TDA Form ALS-1101?
It’s the Texas Department of Agriculture’s official insurance verification form for structural pest control business license applicants. Your agent fills it out and submits it as proof of coverage. We handle this as a standard part of every program we write for pest control clients.
We already have insurance. Why would we switch?
If your current agent is doing their job well, you may not need to. But if your program hasn’t been reviewed against your actual fleet size, headcount, and revenue in the last year or if you’re not sure your policy has the CCC exclusion properly removed a second opinion costs you nothing. We review existing programs regularly for operators who just want to know where they stand.
Do you work with pest control companies outside DFW?
Yes. We serve pest control operators across Texas. Our clients are located throughout the state and we handle everything remotely for operators outside the Rockwall area.
How do captive insurance programs work for pest control companies?
A captive is a licensed insurance entity that your company owns, either individually or as part of a group. Rather than paying premiums to a commercial carrier and absorbing losses when claims are low, a captive allows you to retain underwriting profit in years when your loss experience is favorable. It’s a strategy that makes sense for operators with predictable, manageable claims history who are tired of subsidizing higher-risk companies in a shared pool. Learn more about captive programs for pest control operators.
Ready to Talk?
If you’re running a pest control company that’s grown past the point where a transactional insurance agent adds real value, we’d like to start a conversation. We’ll review what you have, tell you honestly where the gaps are, and show you what a proactive program looks like for a company your size.
Call us at (972) 715-5191 or click the link. We typically respond within one business day. START THE CONVERSATION
Expanding Beyond Texas?
If your pest control business operates — or plans to expand — in California, Eastman Insurance Solutions has you covered there too.
Our California division specializes in protecting pest control operations across the state with the same leadership-driven, risk-focused approach you trust in Texas.
Explore California Pest Control Insurance →
Eastman Insurance Solutions | 110 Greenhill Ln, Rockwall, TX 75087 | Support@EIS-Texas.com Listed on the Texas Department of Agriculture SPCS Insurance Agents page