This product is suitable for people and businesses who wish to cover their liability to the public, whilst providing pest and vermin control services.
While you’re busy deep cleaning, fumigating or disinfecting, we’ll get busy arranging the right insurance cover.
A specialist pest control business like yours need a broker who truly understands that pest control can be a pesky business at times.
Because you specialise in pest control, we specialise in pest control insurance.
Whatever pest control activities or hygiene management services you provide, we will find a policy to suit your needs. From mole and rabbit control to bird proofing or bed bug destruction, we will get you the right cover at the best price.
Cliverton’s sourced pest control insurance policies automatically provide essential cover for deep cleaning, fumigation and disinfection. It will also cover the use of birds of prey, rifles and shot guns whenever they are used to carry out pest and vermin control activities.
Cliverton only offers cover animal-related businesses, so that’s why we are best placed to insure yours. From an employee suffering an injury from chemicals or damage to a clients’ property when removing a wasp nest or mouse infestation, we will ensure your business is properly protected.
- Public Liability £5,000,000
- Products Liability £5,000,000
- Efficacy
- 24 Hour Claim Service
- 24 Hour Legal Advice Line
- 24 Hour Tax Advice Line
- Public Liability £10,000,000
- Products Liability £10,000,000
- Employers Liability £10,000,000
- Breach of Professional Duty
- Personal Accident £200 per week
- Material Damage
- Loss of Money £50,000
- Fidelity £50,000
- Loss of Keys £25,000
- Mis-use of Telephones £5,000
- Business Interruption
- Goods in transit
- Public Liability £5,000,000
- Products Liability £5,000,000
- Efficacy
- 24 Hour Claim Service
- 24 Hour Legal Advice Line
- 24 Hour Tax Advice Line
- Public Liability £10,000,000
- Products Liability £10,000,000
- Employers Liability £10,000,000
- Breach of Professional Duty
- Personal Accident £200 per week
- Material Damage
- Loss of Money £50,000
- Fidelity £50,000
- Loss of Keys £25,000
- Mis-use of Telephones £5,000
- Business Interruption
- Goods in transit
POLICY INFORMATION
Business Activities Covered
- Pest and vermin control
- Gamekeeping
- Mole and rabbit control
- Use of rifles and shotguns
- Use of birds of prey
- Humane destruction of road injured animals
- Bed bug detection and destruction
- Litter picking
- Supply of pest control products
- Manufacture and installation of fly screens
- Bird proofing
Public Liability
We will cover claims arising from the actions of you, an employee, voluntary or self-employed helper which have resulted in injury to a third party or damage to a third party property. Where there is negligence.
The standard limit is £5,000,000; this can be extended to £10,000,000 for an additional premium.
Please check your council or Forestry Commission contract, they may require a specific level of public liability.
Products Liability
This provides cover for claims arising from products supplied by you during the course of your insured activities.
Breach of Professional Duty (optional extra)
Provides indemnity against legal liability for compensation and costs and expenses which arise in connection with the business, and for claims arising from any breach of professional duty. Cover is provided as a direct result of any negligent act, negligent error or negligent omission.
Employers’ Liability (optional extra)
Where you have paid, voluntary or self-employed helpers working for you in connection with your pest control activities, it is a legal requirement that you have employers’ liability insurance. This will provide cover in the event of them being injured whilst working for you due to negligence.
The amount of cover provided is £10,000,000.
Please inform us if you have anybody who helps you on a voluntary basis.
Personal Accident (optional extra)
By including Personal Accident cover under your policy you will be provided with a weekly benefit of £200 payable for 104 weeks in the event of you suffering an injury whilst carrying out your business activities.
This cover also includes a lump sum compensation for accidental death, permanent loss of sight and/or limbs and total disablement.
We are also able to include employees should they sustain an accidental injury whilst working for you where you or the business has not been negligent.
Please note that this does not cover any pre-existing conditions or illness, or any injury sustained whilst commuting to or from work.
Property & Equipment (optional extra)
We are able to provide cover for damage to the following where it is used in connection with your business –
- Building
- Contents
- Stock
- Tools of the trade
- Trailers
- Mobile phones
- Computers
- Portacabins (limited cover)
- Hired in plant (such as cherry pickers)
Loss of Money (optional extra)
Provides your business with up to £10,000 coverage for the loss of money that belongs to your business or for which you are responsible. It also includes benefits for bodily injuries sustained by you or your employees due to robbery or attempted robbery that occurs during the course of business operations.
Fidelity Insurance (optional extra)
Provides cover for the loss of money or property sustained as a direct result of acts of fraud, theft or dishonesty by an employee in the course of their employment.
Loss of keys (optional extra)
£25,000 of cover is provided for the cost of replacing clients’ keys and locks, whilst in the care of you or an employee, following loss or theft of the keys.
Mis-use of telephones (optional extra)
Covers the legal liability to your customers for their financial loss incurred due to the unauthorised use of telephones by your employees. The limit of indemnity for this is £5,000
Business Interruption (optional extra)
Business Interruption provides you for loss of income following interference or interruption to your business which has been caused by damage to your business premises.
Goods in Transit (optional extra)
This section provides cover for damage to property belonging to you (or the business) or held in trust for which you are responsible, whilst it is in transit within the United Kingdom. The limit of indemnity for this is £3,000
What is not covered?
- Any work outside of the UK or the Republic of Ireland
- Flying drones
- Work from ladders over 10 meters
- Any excess applicable
- personal liability for the use of a rifle or shotgun
Excesses
- Public & Employers Liability
- Third party injury – Nil
- Third party property damage – £250
- Professional Indemnity – Nil
- Efficacy – £250
- Fidelity – £250
- Loss of Keys – £250
- Money – Nil
- Misuse of Telephones – £250
- Material Damage
- Buildings – £250
- Subsidence – £1,000
- Hired in Plant – £250
- Goods in transit – £100
- Tools of the trade – £100
- Laptops – £100
- Mobiles – £100
- Business Interruption – Nil
- Portacabins – £500
IMPORTANT INFORMATION
Terms of Business LBSD v20 06.07.23
CLIVERTON_Provision of Services Statement 03.07.23
The Public Liability policy is underwritten by Aviva
