What type of insurance must a Pest Control Business have if it employs staff?

A Pest Control Business that employs staff is required to have workers' compensation insurance. This type of insurance is crucial because it provides coverage for employees who may sustain work-related injuries or illnesses. Workers' compensation insurance ensures that these employees receive medical care, rehabilitation, and compensation for lost wages due to their inability to work because of a job-related incident.

This requirement not only protects the employees but also the business itself from potential lawsuits stemming from workplace injuries. Employers are often mandated by law to carry this insurance, which emphasizes its importance in maintaining workplace safety and meeting legal obligations.

While professional liability, health insurance, and property insurance are important forms of coverage for various circumstances, they do not specifically address the legal requirements and protections associated with employee injuries and illnesses in the workplace.