Capital Risk Underwriters (CRU) is the leading provider of pest control insurance nationwide, protecting the businesses of thousands of Pest Management Professionals (PMPs).   Our company principle has been providing insurance to PMPs since 1979, bringing decades of pest insurance experience and a unique depth of knowledge of the profession.

We partner with high quality, admitted insurance carriers, as well as insurance agents, who are part of their local pest control communities.  Our crew provides the essential insurance experience and the pest control expertise with coverage knowledge, pest-specific exposures, your operations and regulatory compliance. We offer all lines of coverage: General Liability, Commercial Auto, Workers Compensation, Property, Inland Marine (coverage for your mobile equipment), Crime, Umbrella/Excess and Employer’s Liability.

Our dedicated Account Executives work with your insurance agent and provide prompt, courteous policy services.  From receiving quotes for all lines of coverage, to obtaining a certificate of insurance, your CRU experience will be efficient, pleasant and smooth sailing.

CRU’s Director of Risk Management has 25 years of pest management experience.  He brings extensive knowledge of PMP business operations, ongoing research, as well as, updated technologies and regulatory compliance.  Not only will he help you avoid risk of claims and regulatory actions, he is a no-cost resource, who can actually help improve both pest and business operations.

Our team is dedicated to delivering you a value beyond premium and policy.  We want to develop a relationship with you, so you will consider us a resource for important claim prevention and regulatory compliance information and be your single source for the protection you need for the long term.

Our specialty coverage includes:

  • Inspections for WDO/I inspections for real estate transactions,
  • WDO/I treatments, including pre/post construction and fumigation,
  • Continual WDO/I monitoring and baiting,
  • Lawn and Ornamental treatments,
  • In-transit and jobsite pollution, and
  • Bed Bug treatments

Additionally, our GL Policies have no Sub-Limits or Sunset Clauses that create coverage gaps for the specific coverages

There are no exclusions for silica-related products or restrictions on fumigation or sub-contracted services

There are also no limitations on coverage for Bed Bug work

All lines are written through “A-” or better, AM Best rated, admitted paper: General Liability (with industry-specific endorsements), Workers Compensation (including USL&H) Property (including Wind & Hail coastal exposures), Commercial Auto, Excess/Umbrella (extending over all lines), and Inland Marine (for mobile pest control equipment and supplies)

In all states, except AK

Let our CREW protect your Crew.  Contact CRU directly or have your insurance agent obtain a quote on your behalf.