It started with an itch. Then, I noticed the “pepper flakes” on the white rug of my high-end client’s penthouse. I realized with horror that the rescue dog I walked earlier that morning was infested, and I had tracked flea eggs into a pristine, carpeted home. Now the penthouse owner is demanding a professional exterminator and steam cleaning for the whole 3,000 sq ft apartment.
Key Takeaways
- Third-Party Property Damage: This falls under General Liability. You caused damage (infestation) to a client’s home.
- The “Pollution” Exclusion: Some cheap policies classify infestations (fleas, bed bugs) under “Pollutants” or “Biological Contaminants” and exclude them. You need to check your exclusions list.
- Negligence: Did you know the first dog had fleas? If yes, and you didn’t change clothes/sanitize, it’s negligence.
- Cost: Professional flea remediation in 2026 is expensive ($500 – $1,000) because of eco-friendly chemical requirements.
The “Why” (The Trap): The Contagion Exclusion
Insurance hates “communicable diseases” and infestations.
After the pandemics of the early 2020s, many policies added “Communicable Disease Exclusions.”
Usually, this applies to viruses (like Canine Flu). However, some adjusters apply it to parasites.
You need to verify if “Property Damage resulting from your operations” covers infestation cleanup.
[IMAGE: Macro photo of a flea on a fabric surface]
The Investigation: I Called Them
I asked: “If I track fleas into a client’s house, do you pay for the exterminator?”
1. Thimble
- The Answer: Likely covered under “Property Damage,” but depends on the specific state policy exclusions regarding “vermin.”
2. BIC (Business Insurers of the Carolinas)
- The Answer: Generally covered. They view this as damage caused by your professional activity.
3. General “Gig” Policies
- The Answer: Often denied. They argue the fleas are “vermin” or “pollutants” which are standard exclusions.
Comparison Table
| Carrier | Exterminator Cost Coverage | Vermin Exclusion? |
| High-End (BIC) | Yes | Specific exceptions made |
| Budget (Gig) | Maybe/Unlikely | Often Yes (Excluded) |
| Bonding | No | Bonding is for theft only |
Step-by-Step Action Plan
- Stop the Spread: Do not enter another house. Go home, shower, wash clothes in hot water.
- Notify the Client: “I believe I may have tracked fleas in. Please check Fido.”
- Offer to Pay (via Insurance): “My insurance should cover the cleaning.”
- File the Claim: Submit the exterminator’s quote.
FAQ
Does my Surety Bond cover this?
NO. A bond is only for theft (if you steal the TV). It does not cover fleas, broken vases, or dog bites.
What about the vet bills for the infested dog?
If the client’s dog gets fleas and needs meds? Yes, that is “Medical Expenses” or “Bailee” coverage.
Can I be sued for “loss of use” of the home?
If they have to move out for 3 days during fumigation? Yes, your liability policy should cover their hotel stay if it’s included in “Loss of Use.”