Episode 280

6/25/26

Topic: Avoid These Hidden Risks in Pest Control

Guests: Todd Burke, COO & Kristina Phillips, VP & Director of Client Services, PestSure 

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In this episode we discuss:

• Our sponsors Coalmarch by Workwave, PestSure, Voice for Pest & Forshaw

• PMP Industry Insiders Peer Groups

• The PMP Industry Insiders Conference

• Why cyber liability insurance is an essential safeguard against modern threats like data breaches, ransomware, and sophisticated social engineering scams

• The critical role of cyber policy carriers in providing expert guidance and forensic support immediately following a security incident

• Why umbrella insurance has become increasingly vital as legal environments shift and high-value claim settlements continue to rise

• How umbrella coverage sits specifically on top of auto and general liability policies to protect business assets from catastrophic losses

• The importance of Employment Practices Liability Insurance (EPLI) in shielding businesses from costly litigation related to wrongful termination and harassment claims

• Common wage and hour allegations and the necessity of maintaining accurate time-tracking records even for technicians paid via production-based models

• How insurance coverage generally follows the vehicle, creating significant liability risks when employees take company trucks home

• How any unauthorized personal use of company vehicles remains a major liability, regardless of established company disciplinary policies

• The potential insurance gaps that occur when employees use personal vehicles for business errands and why carrying non-owned auto coverage is crucial

Resources mentioned:

• PMP Industry Insiders Episode 86: How Captive Insurance Works

• PMP Industry Insiders Episode 138: How to Upgrade Your Safety Protocols

• PMP Industry Insiders Episode 158: Pest Insurance Market Update

• PMP Industry Insiders Episode 201: Avoiding a 'Nuclear Verdict'

• PMP Industry Insiders Episode 229: What's Trending in Commercial Insurance?

• PMP Industry Insiders Episode 254: Safety Training That Actually Works

• Todd Burke's contact information: Todd.Burke@alliant.com

Notable: "The rule of thumb always is insurance follows the vehicle. ... We have paid many, many, many claims — and some very serious claims into the umbrella layer — by people who have trusted their employees to take the vehicle home and believe that there's no personal use." —Kristina Phillips, PestSure  

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Support our sponsors: Coalmarch by Workwave, PestSure, Voice for Pest & Forshaw.

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