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Pest Control Insurance

From only £199.20 per year

Or 9 montly payments of £24.35 (total repayable £219.12)

Enquire Now

Pest Control Insurance

From only £199.20 per year Or 9 montly payments of £24.35 (total repayable £219.12)

Enquire Now

If you are providing a pest control or hygiene and facilities management service, Cliverton can arrange a tailor-made pest control insurance policy designed to meet your requirements. Our pest control policy will automatically provide insurance for the use of rifles and shot guns where they are used in conjunction with your pest control activities. The policy will also automatically include public liability for the use of birds of prey for pest and vermin control, if you use your birds of prey for public handling we have a falconry policy to suit your needs.

This product is suitable for people and businesses who wish to cover their liability to the public whilst providing pest and vermin control activities.

What’s included
  • Public Liability £5,000,000
  • Products Liability £5,000,000
  • Efficacy (failure to perform) £500,000
Optional
  • Public Liability £10,000,000
  • Products Liability £10,000,000
  • Employers Liability £10,000,000
  • Professional Indemnity £500,000
  • Personal Accident £200 per week
  • Efficacy (increased levels available)
  • 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
  • Legal Expenses (separate policy available)
  • Public Liability £5,000,000
  • Products Liability £5,000,000
  • Efficacy (failure to perform) £500,000
  • Public Liability £10,000,000
  • Products Liability £10,000,000
  • Employers Liability £10,000,000
  • Professional Indemnity £500,000
  • Personal Accident £200 per week
  • Efficacy (increased levels available)
  • 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
  • Legal Expenses (separate policy available)

POLICY INFORMATION

Business Activities Covered

  • Pest & vermin control
  • Gamekeeping
  • Mole t& rabbit control
  • Use of rifles & 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

This will cover claims arising from the actions of you, an employee, voluntary or self employed helper which has resulted in injury to a third party or damage to a third parties property as a result of negligence.

The standard limit is £5,000,000; this can be extended to £10,000,000 for an additional premium.

If you hold a council or Forestry Commission contract please check the level of Public Liability required.

Products Liability

This section of the policy provides cover for claims arising from products supplied by you during the course of the insured activities.

The limit of £5,000,000 is our standard and is included as part of the Public liability for no additional charge.

Efficacy (failure to perform)

This section covers legal liability for loss or damage incurred by a third party arising out of your or an employee’s failure to carry out your contracted duties, it also includes financial loss incurred out of the failure of a product to perform its intended function.

The standard limit is £500,000 increased limits are available for an additional premium.

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 should you have anybody who assists 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 onto this policy 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.

Professional Indemnity (optional extra)

If you provide professional advice as a service or in return for a separate fee, (such as advising a person on where best to place their bird proofing) and the advice is incorrect or results in either a physical or financial loss, professional indemnity cover will protect against claims.

We are able to arrange two limits of indemnity for this, our standard is  £500,000 but can be increased up to £1,000,000.

Material Damage (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 cover for the loss of money belonging to your business or for which you are responsible, along with benefits in respect of bodily injury sustained by you or an employee as a result of robbery or attempted robbery arising in the course of the business.

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; which were in the care of you or an employee at the time, following loss and any consequential

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

 

Legal Expenses (optional extra)

This is a separate policy running alongside your main business policy and will provide cover unexpected Legal Expenses relating to your business. These could relate to employment disputes, property and landlord disputes, contract disputes, tax protection or regulatory compliance and much more. It also provides a 24 hour legal and tax advice helpline along with an online hub of document and contract templates.

What is not covered?

  • Any work outside of the United Kingdom
  • Flying of drones for pest control activities
  • The personal use of a shotgun or rifle
  • Any Excess applicable

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 – £100
  • 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

For Legal Expenses excesses please click here

IMPORTANT INFORMATION

Service Statement

Terms of Business

The Public Liability policy is underwritten by MS Amlin Underwriting Limited

Pest Control Key Facts

Legal Expenses Policy is underwritten by Markel International Insurance Company Limited.

Legal Expenses – Key Facts

Legal Expenses Policy Wording

 

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What our customers think

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