Insurance Advice from a Pest Control Professional
As a pest control company owner, you have a lot of responsibility on your shoulders. You have to sweat the details and unfortunately that means that you have to be looking for all the things that can potentially harm you, your employees, and your company. One of these things are employee injuries. Employee injuries cost business owners in a multitude of ways, medical expenses and lost wages for your employee, but it is much bigger than that, it may also mean lost revenue and profitability, it may mean that you can’t grow your business during the busiest part of the year because you don’t have staff available to serve potential new customers as they find you. But first and foremost, you need to make sure that your employees are safe and protected in case of an accident or injury on the job. This is where workers’ compensation coverage comes in.
Workers Compensation for Pest Control Owners
Workers’ compensation is a type of insurance that provides benefits to employees who are injured or become ill as a result of their work. This coverage can help pay for medical expenses, lost wages, and other costs associated with an injury or illness. It is required by law in most states, and failure to carry workers’ compensation insurance can result in significant fines and penalties.
Here are some reasons why you need workers’ compensation coverage as a pest control company owner:
- Protect your employees – Pest control work can be hazardous, with exposure to pesticides, heavy equipment, and dangerous pests. Workers’ compensation provides essential protection for your employees, ensuring that they receive the care they need in case of an injury or illness.
- Comply with legal requirements – As mentioned earlier, workers’ compensation is required by law in most states. Failure to carry this coverage can result in significant fines and legal penalties.
- Protect your business – Without workers’ compensation coverage, you may be held liable for any injuries or illnesses that occur on the job. This can result in costly lawsuits, which can be devastating for your business.
- Peace of mind – Knowing that your employees are protected can give you the peace of mind you need to focus on growing your business. You can rest assured that if something does happen, your employees will be taken care of.
So, let’s talk about why you not only need Workers’ Compensation Insurance, but why you should want Workers’ Compensation Insurance. Workers’ Compensation done well and in partnership with your Agent/Broker protects both you and your employees in the event that something goes wrong. It ensures that your employee gets the medical care that they need to recover and return to work and in the worst situations that they are compensated if they cannot return to work. It also protects your business by the insurance carrier taking on the responsibility that would have otherwise been yours to pay for, leaving you with one less thing to worry about.
Buying From A Professional
Workers’ Compensation Insurance like Pest Control is not something that people who aren’t trained professionals should do by themselves. Buying your insurance online when you have no idea what each coverage means or where it applies to is the equivalent of a homeowner going to Walmart and buying products to treat their Bed Bug infestation in their home. It is something that they know they need, but it is best done by professionals that understand the specifics of the situation and how to get the best results and manage the outcome. Workers’ Compensation is no different. You need a professional to partner with you who knows what to recommend and then how to help you manage it once you have it. Yes, workers compensation does cost money, but what is the cost if you don’t have it? Let’s do the math. Add the value of your business to what you might earn from your business in the coming years. Now consider what would it cost to defend a lawsuit if the unspeakable were to happen and one of your employees were to be permanently disabled or even killed while on the job. These are the things that you ultimately risk if you don’t have the right coverages.
In conclusion, workers’ compensation coverage is essential for pest control company owners. It protects your employees, ensures compliance with legal requirements, protects your business, and provides peace of mind. If you don’t already have workers’ compensation coverage, it’s important to speak with an insurance professional to understand your options and find the right coverage for your business.
Why Buy Pest Control Insurance From Millennium Brokers?
So why should you listen to me? First, I am one of you. I’m a certified applicator for the past 25 years and I’ve been where you are today. I have owned and operated a Pest Control company as well as other businesses. Secondly, I am a Commercial Advisor where I provide Functional Risk Management and Insurance Placement for the Pest Control Industry. I am a part of Millennium Brokers Insurance Group where we help our clients find the best coverage with the best carrier at the best price for our clients situation. We are your partners in the Pest Control Industry!
By: Jerry Lesh
Millennium Brokers Insurance Group C-13101
