QAL Laws & Regulation Practice Exam

What is required if you have employees when applying for a Pest Control Business License?

1. Proof of liability insurance only

2. Proof of Workman's Comp insurance

3. Both proof of liability and Workman's Comp insurance

4. No insurance is required

The correct answer is: Both proof of liability and Workman's Comp insurance

When applying for a Pest Control Business License and having employees, it is essential to provide both proof of liability insurance and proof of Workman's Comp insurance. Liability insurance is crucial because it protects the business against claims of property damage or injury that might occur as a result of the services provided. Given the nature of pest control work, which often involves interactions with clients' properties and potential exposure to hazardous materials, having this type of insurance is a standard requirement to safeguard not only the business but also the clients. Workman's Comp insurance is mandatory in most jurisdictions for businesses with employees. This coverage provides wage replacement and medical benefits to employees who get injured on the job. It ensures that if an employee is hurt while performing pest control duties, they are compensated for their lost wages and medical expenses, reducing the financial burden on the employer. Both types of insurance are important not just for compliance with legal requirements but also for promoting a safe working environment and fostering trust between the business and its clients. Hence, having both types of insurance is necessary when applying for a Pest Control Business License with employees.