Running a business is often a complex process that requires individuals to tweak their policy as appropriately needed. At RH Worthington Group, we can help answer any questions Milford, PA businesses may have about coverage, including whether pest damage is included.

What Your Policy Does Cover 

Understanding what your commercial insurance covers will help to make sure you don’t suffer a significant loss. For example, your policy should cover property damage to various items, like furniture, tools, equipment, and inventory. And it will help to pay for your business loss if you end up suffering from a covered issue that requires you to shut down for a specific time. 

What about pest coverage? This situation is usually complex because most commercial insurance policies will state that pests are a negligence issue. In other words, you are at fault because you did not take the steps necessary to get rid of mice, termites, ants, bees, or other pests in your business. Therefore, your policy is not likely to cover you in this situation, which may be frustrating. 

You may be able to talk to your provider about pest-control insurance and get some help. That all depends on the comprehensiveness of your policy and what your company is willing to do for you. Take the time to understand this situation by reaching out directly to your insurance provider. 

Give Yourself the Help You Need 

If you aren’t sure whether your policy is right for your needs as a business, contact us at RH Worthington Group right away to learn more. We serve Milford, PA, and the surrounding areas and will do what we can to help your company get the protection it needs.