Specific industries heavily rely on chemicals, including farming, household and exterior cleaning, pest control, and aquatics. Unfortunately, chemical applicators, clients, and the general public are exposed to toxic substances found in the solutions.
As such, it is a legal requirement for chemical applicators to hold an insurance package considering the risk in their operations. While many businesses rely on general liability insurance, it mainly falls short in chemical applications.
It is also essential to evaluate your insurance coverage as most do not automatically include chemical applicators. In other instances, some providers do not provide coverage for chemical applications.
Consider buying commercial pesticide applicator insurance from a trusted insurance agency to protect your business from the inherent risk in the industry.
Chemical Applicators Insurance Coverage
Liability Coverage for Chemical Drift
Chemical drift occurs when wind or spray equipment blows the chemical off your property. It is expected to assume that chemical drift occurs after improper application of chemicals. Even so, a drift may occur even with proper chemical application.
When a drift occurs, liability coverage for chemical drift can cover expenses related to bodily injury to people, damage to other people’s property, crops, or animals, and government-mandated testing and clean-up.
To obtain chemical drift coverage and increase liability coverage limits, an insurance company may require you to provide the following information:
A list of the chemicals in use to determine if any are restricted
Demonstrate a risk management plan, including employee training, a documentation system, and record retention for a few years
A review of the surrounding high-risk exposure, such as apiaries, organic farms, schools, and golf courses
Demonstrate that you conduct due diligence when hiring pesticide applicators, which includes confirming their licensing and insurance coverage
Examples of Damages Payable By Commercial Pesticide Applicator Insurance
Medical Expenses: If a neighbor becomes ill after inhaling pesticides following a chemical drift, you may be sued for damages. Commercial pesticide applicator insurance can cater for present and future medical expenses that the ill victim requires to recover.
Wrongful Death: If you fail to take the necessary precautions when conducting fumigation in homes, the relative of a deceased victim can sue you for wrongful death.
Crop Damage: If the crops die after a chemical drift, the neighbor may demand compensation for the lost crops, expected revenue, and liability arising from failure to fulfill contractual obligations.
Risk Management Strategies
Pesticide applicators can take steps to promote their safety and the general public.
Put measures to protect the surrounding environment
Protect Your Business With Commercial Pesticide Applicator Insurance
You can close your business if the court compels you to pay a hefty settlement amount beyond your company’s financial ability. Even so, as an insured pesticide applicator, you can survive unforeseen losses, including legal liability.
Consult a reputable firm like Panorama Insurance Agency about commercial pesticide applicator insurance.
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