workers’ compensation insurance for pest control Texas

Texas Workers' Compensation Insurance for Pest Control

Name: Workers' Compensation Insurance for Pest Control Businesses in Texas
Brand: Kickstand Insurance
Rating: 5 (37 reviews)

Policies for Exterminators, and Wildlife Control Experts

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Why do Pest Control Businesses in Texas need
Workers' Compensation Insurance?

Comply with state laws

Avoid fines

Protect your employees

Protection from lawsuits

...'cause they can get hurt

Texas pest control businesses face a unique set of challenges, from handling hazardous chemicals to managing wildlife encounters and navigating tight spaces. Workers’ comp insurance covers medical expenses and lost wages if an employee gets injured on the job. Whether you're dealing with a routine pest problem or a more dangerous wildlife situation, having workers’ comp in place helps safeguard your team, allowing you to focus on delivering reliable service and growing your business.

Common Pest Control injuries

Chemical exposure - Pesticides can irritate skin or cause respiratory issues
Bites and stings - Encounters with rodents or insects often result in injuries
Slips - Wet or uneven surfaces during inspections increase fall risks
Histoplasmosis - Exposure to bat or bird droppings may cause lung infections
Repetitive motion strain - From frequent use of sprayers or tools

Workers' Comp for Pest Control Businesses in Texas: Legal Requirements

In Texas, pest control businesses are not required to carry workers’ compensation insurance. However, many pest control companies choose to provide coverage to protect employees and reduce financial and legal risks for the business.

Pest control businesses working on government contracts must provide workers’ compensation for employees involved in those projects. Additionally, some general contractors may require subcontractors to carry workers’ comp before allowing work to begin.

Non-subscribers must file a DWC Form-005 annually to notify the Division of Workers’ Compensation of their non-subscriber status and report all workplace injuries or illnesses. Failure to comply with these requirements can lead to penalties and increased liability risks.

Learn more at Workers’ Compensation Insurance Texas.

Common types of Pest Control workers we can insure in Texas

Fumigation Professionals

Lawn Spraying Services

Termite Control Services

Wildlife Removal Specialists

Don't see your business classification?
‍We're here to help. Call 866-338-8823.

What type of injuries does
Workers' Comp Insurance cover?

Workers' comp insurance covers both the employer and the injured worker. Like all types of insurance, it acts as a safety net in case of an accident.

If a worker gets hurt on the job, the insurance company will help cover the costs associated with their care so the worker is well taken care of until they return to work.

Since the company had an active Pest Control workers' comp policy, they do not need to pay anything towards the bills.

Workers' comp insurance provides protection to both the employer and the injured worker. Like other types of insurance, it’s there to help in the event of an incident.

If a worker gets hurt on the job, the insurance company will help pay for the costs associated with their care so the worker is provided for until they return to work.

Since the company had an active workers' comp policy, they are not responsible for paying the medical bills.

What will Pest Control Workers' Comp Insurance pay for?

Medical expenses
Rehab and therapy costs
A percentage of lost wages
Disability benefits
Funeral cost

How much does Workers' Comp Insurance
for Pest Control Businesses in Texas cost per month?

Texas pest control businesses enjoy lower workers' compensation costs than the national average. The average premium for pest control workers in Texas is $37 per month per employee, compared to $91 per month nationally. Your premium may vary depending on your company’s claims history. For more details, visit our guide: Workers’ Comp Rates for Pest Control 2025.

Disclaimer: Premium has been derived by combining ZipRecruiter national payroll averages per industry with average rates of a national carrier partner. Figures are for illustrative purposes only and do not include taxes or additional fees.

What's the cost based on?

The National Council of Compensation Insurance (NCCI) sets a fixed rate for every industry in Texas.

The rate is based on the level of risk for that job description.

Premiums are primarily calculated by using your payroll numbers and your NCCI class code.

Common Classifications for Texas Pest Control

Here are the main categories for classifying injuries in the pest control industry. For more details, visit our guide - Workers’ Comp Class Codes for Pest Control.

9014 - Exterminators

9014 - Termite Control Services

9014 - Wildlife Removal Specialists

9014 - Lawn spraying for fertilization and weed control

4828 - Fumigation Services

Don't see your business classification?
We're here to help. Call 866-338-8823.

How to get Workers' Comp Insurance in Texas

Getting workers' comp insurance in Texas is a straightforward process. Business owners can purchase coverage through any licensed insurance agent operating within the state.

However, not all agents offer workers' comp insurance, so it's essential to compare potential policies to ensure you're getting the right coverage for your Pest Control business.

Kickstand Insurance offers a streamlined process to help you compare quotes and choose a policy that fits your business needs. Start by filling out our Instant Quote form for a fast estimate.

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Ensure your company is fully protected. Get a hassle-free workers' comp quote in just 10 minutes with Kickstand Insurance and protect your business, your employees, and your bottom line.

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Helpful tips to save money

Choosing pest control workers' comp insurance services may sound simple, but doing it wrong can be very costly.

Here’s how to save money:

Classify your workers correctlyFor example - Employees who do clerical work have a different code (8810). Lumping them together with manual labors will increase your premium.

Don't underestimate your payroll
If your payroll is more than was estimated at the beginning of the policy, it will be discovered at audit and you will be billed for the difference.

Have a clear process to report claims
...and make sure your employees know about it. This will make the entire experience easier for all involved. It can even help keep your costs down!

Report every incident- even if it didn't result in a large injury. Some things which seem insignificant can snowball into costly issues.

Prepare for your audit Every policy is audited at the end of 12 months. Keep your payroll records and files neat so you don't have issues later! Our Pest Control Workers’ Compensation Audit Checklist can help.

Prepare for your audit Every policy is audited at the end of 12 months. Keep your payroll records and files neat so you don't have issues later! A Pest Control Workers’ Compensation Audit Checklist can help.

FAQ's on Workers' Comp for Pest Control Businesses in Texas

My business has busy and slow seasons. Is pay-as-you-go workers' comp a good option?

Pay-as-you-go workers' comp can be a smart choice in Texas, especially for seasonal businesses. It adjusts premiums based on your actual payroll, so you’re not overpaying during slower months. Learn more in our guide, Pay-As-You-Go Workers’ Comp: Navigating Your Options and Avoiding Common Pitfalls.

How does my business’s online presence affect workers' comp coverage?

Listing tasks you don’t actually perform, like handling large animals or high-risk jobs, can misrepresent your business. This might complicate securing coverage or lead to higher premiums if you choose to carry a policy.

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Why use Kickstand to
get workers' comp insurance?

Speed + Service + Experts

Document with workers' comp for pest control insurance quote surrounded by insurance icons

Unlike other online insta-quote systems,
here your quote is reviewed by experts

Why does it matter?

Avoid surprise bills at audit
Make sure all your employees are properly covered
Protect yourself from lawsuits

What do we check?

Business categorized correctly
Employees job roles
Special discount opportunities

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The Ultimate Guide to Workers' Comp Insurance

A Step-by-Step Handbook for Small Businesses - you don't want to skip this!

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The information on this website is not intended to serve as insurance advice. All content provided is for general informational purposes only.
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