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Frequently Asked Questions

What are my payment options?

GL/Auto and WC can be paid with 25% down and 8 installments
All optional coverages are paid in full
 

What's in the Members Area?

As a member you will be given a login ID and password to this section. Here is a preview.
 

Is PestSure pricing Competitive?

Very much so.
PestSure will not be the cheapest.
Our premiums include many services:
A full time Loss Prevention team to assist with on site meetings, evaluations and training.
A full time dedicated Claims Unit that knows Pest Control.
A full time team of Insurance Professionals to assist with related coverage's and state requirements.
Various attorneys on retainer in all states, including a dedicated Toxic and Chemical sensitivity attorney who has worked with PestSure for 10+ years
 

How are the rates set?

Once a year the board meets to set rates. There are two strategies.
(1) Each company is evaluated on their own experience- merit rating.
(2) Program experience is also reviewed to determine overall increases and decreases.
Workers Compensation rates are set by the filing done in each state by our carrier Old Republic Insurance Co. PestSure then has the option to apply additional rating factors based on experience.
 

What financial Advantages does a captive provide?

PestSure & CPS are owned by the policyholders and stockholders.
A portion of all profits are returned to the member via rate reductions and premium credits based on profitability.
 

Do you have to buy stock?

No. The stock purchase is an option. In the future owning stock could have additional advantages. Currently our program benefits increase the longer a member participates
 

Are there minimum premiums?

There is not a specific minimum premium, but a minimum revenue amount of 2 million.
 

How do we get a quote?

   

Complete the applications for applicable coverage and send to Gallagher.

5 years of loss history from carriers is required.

Gallagher requires 30 days to process quotation.

Provide a recommendation from a current member for reference.

A copy of current policies helpful if a comparison to PestSure is desired

 

Do we cover Chemicals and Pollution?

Yes.

The GL policy is endorsed to cover pest control operations subject to following all state & federal laws. [Endorsement]

The Auto policy is also endorsed to cover collision, upset and overturn, which would include all chemicals transported. [Endorsement]

 

Who is Gallagher?

Arthur J. Gallagher is the third largest insurance broker in the United States, with office throughout the country.
 

What limits are covered?

• GL 1mm per occurrence
Treatments and Inspections covered at full policy limits or $1mm per occurrence/$3mm aggregate 
• AL 1 mm per accident  
• WC Statutory  Employers Liability- 1mm
There is an option to increase General Liability and Auto Limits to 2mm per occurrence for a percentage of the underlying premium.
This has proven to be cost effective over pricing of an umbrella.
 

What States do you cover?

All 50 states
 

What coverages are in the program?

General Liability
Auto Liability /Auto Physical Damage
Workers Compensation

There is a two-line requirement

Outside the program Optional coverages:
Employment Practices Liability /Directors & Officers
Property
Boiler & Machinery
Crime/Fidelity
Fiduciary
Bonds
ERISA
Umbrella