PSA: stop skimping on general liability insurance for termite jobs

those cheap-ass online insurers are straight up robbery, leaving us high and dry when the drift hits the fan while they pocket the premiums.

damn, those cheap brokers are a nightmare, had a similar bullshit with my old policy when a bait station leaked into a pool last summer and they tried to weasel out. spent three weeks on the phone just to get a claim started, pissed me off so bad i switched to hiscox too. insurance companies act like theyre doing you a favor covering what you already paid for.

man, nothing like a drift claim to turn your morning coffee into heartburn. been there with a backyard spray that had the neighbor's dog foaming at the mouth, cheap policy left me hangin for days.

those cheap ass insurance brokers are straight up robbing us blind when shit hits the fan on a termite job. insurance companies love leaving us high and dry, time to band together and call out their BS.

man, those cheap policies are a nightmare waiting to happen, especially with something like termidor drifting where it shouldnt. i switched to hiscox last year after a close call on a duct job and havent looked back, coverage is solid for $1800 a year on my small setup. for pest guys, make sure your gl includes environmental liability riders because drift claims pop up more than youd think. i learned that the hard way reading up on epa regs for applicators. also, document everything on site, like wind speed and buffer zones, it saved my ass once when a neighbor complained. if youre doing bait stations, get that professional liability add-on too, runs about $500 extra but worth it for the peace. yeah, roger wakefields stuff is gold, his take on lawsuits hit home for me. gonna bump my limits to a million next renewal just to be safe.