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Frequently Asked Questions
Leaders in the industry trust PestSure as their loyal companion in loss prevention. After reading this list of answers to common questions, you’ll come to understand their loyalty.
What are my payment options?
General liability, auto liability and workers’ compensation can be paid with 25 percent down and in eight installments with no interest. All optional coverages are paid in full or can be financed through a third party.
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 may not be the cheapest.
Our premiums include many services, including:
- Full-time loss-prevention team to assist with on-site meetings, evaluations and training
- Full-time dedicated claims unit that knows the pest control industry
- Full-time team of insurance professionals to assist with related coverages and state requirements that are 100% dedicated to the pest control industry
- Dedicated toxic and chemical sensitivity attorney who has worked with PestSure for more than 35 years
How are the rates set?
Once a year the board meets to set rates.
For General Liability and Auto:
(1) Each company is evaluated on their own experience-merit rating.
(2) Program experience is also reviewed to determine overall increases and decreases.
For Workers Compensation:
Rates are set by the filings 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?
Stability and predictability on rates – takes you out of the standard market.
Direct access to a dedicated claims team that is focused on pest control
As a shareholder, based on overall results, a portion of all profits could be returned based on profitability.
Do you have to buy stock?
The expectation is for all insures to become shareholders after the first year in the captive.
Do you have to buy stock?
You must have a minimum annual revenue amount of $2 million.
How do we get a quote?
- Complete the applications for applicable coverage and send to Alliant.
- 5 years of loss history from carriers is required.
- Auto schedule in Excel
- Copy of your current Mobile Device Policy
- Alliant requires 30 days to process quotation.
- A copy of current policies is helpful if a comparison to PestSure is desired.
Do we cover chemicals and pollution?
Yes.
The General Liability 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 Alliant?
Alliant Insurance Services, Inc. is one of the leading insurance brokers in the United States.
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 very cost effective for our insureds.
What States do you cover?
All 50 states.
What coverages are in the program?
Captive Lines:
- General Liability
- Auto Liability /Auto Physical Damage
- Workers Compensation
We require all three lines to be placed in the captive.
Optional coverages placed outside the captive:
- Umbrella
- Employment Practices Liability /Directors & Officers
- Property
- Crime/Fidelity/Fiduciary
- Bonds
- ERISA
- Boiler & Machinery