Claims Examples
These privacy-preserving scenarios connect pest-control operations to the coverage questions worth discussing before something happens.
A homebuyer relies on a wood-destroying insect report. Extensive damage is found after closing, and the buyer alleges the inspector should have identified visible evidence.
Would the applicable professional-liability or inspection endorsement address the allegation, defense costs and damages, subject to its terms?
After an interior service, the customer alleges the chemical used by the technician permanently stained expensive flooring and nearby furnishings.
How do the policy’s property-damage, application and care/custody/control provisions apply?
A technician driving between appointments causes a multi-vehicle accident with injuries to several people.
Are the auto liability limits adequate, and is the commercial auto policy properly coordinated with umbrella coverage?
A pesticide container is damaged in a service vehicle, leading to cleanup costs and allegations of property damage.
Does the proposed program address transit pollution, cleanup and third-party claims?
An employee suffers serious back and leg injuries while accessing a difficult service location and cannot return to work for months.
What medical, wage and employer-liability protection applies under the state’s workers’ compensation system?
These are illustrative scenarios, not promises of coverage or descriptions of a particular insured’s claim. Actual coverage depends on the policy, endorsements, facts and applicable law.
Talk with a specialist
We’ll help identify the coverage questions that deserve attention.