Pest Control Services

What Does GL Code 43470 Cover?

ISO GL class code 43470 covers businesses primarily engaged in pest control services, including extermination, fumigation, and pest management for residential, commercial, and industrial properties. This code classifies operations that involve the application of pesticides, traps, and other methods to control insects, rodents, and other pests. It encompasses the risks associated with chemical handling, property damage during service, and potential health hazards.

Who Uses This Class Code?

Specific business types that fall under this code include residential exterminators, commercial pest management companies, termite control specialists, fumigation services, and wildlife removal services. This also applies to businesses offering integrated pest management (IPM) solutions and mosquito control services.

Common GL Claims for This Class

Common claims include property damage from chemical overspray or improper application, bodily injury from exposure to pesticides, and damage to structures during termite treatment or wildlife removal. Additionally, claims can arise from alleged ineffectiveness of treatments leading to further pest infestation.

Coverage Tips for Code 43470

• Ensure your policy includes pollution liability coverage for accidental chemical spills or contamination during pest treatment operations.
• Verify that your general liability policy specifically covers damage to property in your care, custody, or control, which is crucial when working inside client homes or businesses.
• Maintain meticulous records of all chemicals used, application dates, and safety protocols to defend against potential claims of improper application or health issues.
• Require subcontractors to carry their own general liability insurance with adequate limits and name your business as an additional insured to protect against their negligence.