Texas Pest Control & Termite Operators Insurance
Underwriting brief for Texas exterminating and pest control services (1,381 active Texas establishments across 75 counties). We compare 30+ TDI-admitted and specialty commercial carriers for pest control operators with fast Certificate of Insurance (COI) turnaround.
Texas Pest Control Operators Market Footprint
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Classification & Compliance Specs
- NAICS Code
- 561710 — Exterminating and Pest Control Services
- NCCI Workers' Comp Codes
- 9014 (Exterminating / Janitorial), 0042 (Lawn Spraying)
- ISO GL / Coverage Form
- 94276 (Exterminators) + Pest Control Pollution & WDI E&O
- Texas Regulator / Spec
- Texas Dept. of Agriculture Structural Pest Control (TDA — Tex. Occ. Code Ch. 1951)
TDA Structural Pest Control Business Licenses strictly mandate statutory General Liability ($200K/$500K minimum) with active TDA certificate filing.
Where Pest Control Operators Cluster in Texas
- Harris: 171 firms (12.4% of TX) • 2,014 employees
- Dallas: 102 firms (7.4% of TX) • 1,462 employees
- Tarrant: 102 firms (7.4% of TX) • 1,080 employees
Primary Loss Exposures
- Missed termite damage on a Texas real estate WDI (Wood-Destroying Insect) inspection report.
- Termiticide drilling into radiant floor heating or puncturing a sub-slab plumbing line.
- Chemical tank spills during route truck collisions on Texas roads.
Key Endorsements We Verify
- WDI / Termite Inspection Errors & Omissions (E&O) for real estate closing reports
- Pesticide/Herbicide Applicator & Transit Pollution Liability
- Care, Custody & Control for drilling into sub-slab pipes or pet/fish-tank contamination
Pest Control Operators Insurance FAQs
What insurance limits does TDA require for a Texas Pest Control license?
Texas Occupations Code §1951.312 requires at least $200,000 per occurrence bodily injury/property damage and $500,000 aggregate filed with TDA.
Does standard Pest Control GL cover a missed termite inspection (WDI) claim?
No—inspecting for termites and issuing a TDA WDI report is a professional inspection service requiring WDI E&O.
What happens if a pest tech's chemical tank leaks in a traffic accident?
You need Transit Pollution / Broadened Auto Pollution so highway hazmat cleanup isn't excluded.
Are wildlife exclusion and attic sealing covered on pest GL?
Only if wildlife/exclusion work is disclosed—attic work and roof-line exclusion can trigger height or roofing exclusions if undisclosed.