Whether you operate one truck or a fleet of service vehicles, commercial auto insurance plays a critical role in protecting your business, your employees, and your bottom line. And in today’s market, it’s a policy you can’t afford to overlook.

Why Commercial Auto Is So Important for Pest Control

Pest control is a mobile business. Your team is constantly on the move—traveling between customer locations, transporting equipment and chemicals, and sometimes even responding to emergency calls. That creates significant road exposure every single day.

Unfortunately, even careful drivers can’t control what happens on the road. From rear-end collisions to uninsured drivers to distracted driving incidents, auto-related claims are among the most common and expensive for service-based businesses.

What Makes This Coverage Different from Personal Auto

One of the biggest misconceptions among small business owners is that a personal auto policy will cover business use. In most cases, it won’t. If an employee is driving a personal or company-owned vehicle for work and gets into an accident, a personal policy may deny the claim entirely.

That’s why it’s essential to carry commercial auto insurance—and to make sure it’s structured correctly. For pest control companies, that often includes:

• Proper classification of service vehicles

• Listing all drivers, even part-time or seasonal techs

• Ensuring limits are high enough to cover serious accidents

• Considering hired and non-owned auto coverage, especially if employees use personal vehicles for work

Why Costs Are Going Up—and How to Control Them

Commercial auto premiums have been rising in recent years, driven by increased claim severity, higher repair costs, and more distracted driving on the roads. For pest control businesses with multiple vehicles, this can add up fast.

But there are ways to keep costs under control:

• Maintain clean driving records for all employees

• Require driver safety training or certifications

• Review and update your vehicle schedule annually

• Work with an insurance advisor who can help you structure your policy to match your actual operations

At Leavitt Insurance Agency, our advisors works closely with pest control companies nationwide to tailor commercial auto coverage that fits their fleet, their risk profile, and their budget.

Final Thoughts

If you’re only reviewing your general liability or workers’ comp policies during renewal, it’s time to take a closer look at your commercial auto program. It’s one of the most impactful policies you carry, and managing it proactively can help protect your people, preserve your profits, and keep your business running smoothly.