Bed bug insurance policies for hotels, residential properties

by nobugsonme on June 29, 2011 · 4 comments

in bed bugs, bed bugs in hotels

And now: more bed bug insurance policies for hotels and residential properties.

I told you a few weeks ago about an insurance policy to cover bed bugs which was being offered to landlords, student housing providers, businesses, leisure travelers and hotels. The plan was offered by AON, partnered with Global Express, and Terminex.

One of the questions which arose in response to that plan was whether treatment was solely to be provided by Terminex.

In the last few weeks, several other insurance providers have stepped forward, offering bed bug insurance to the hotel and residential management industries.

Professional Liability Insurance Services (PLIS) is offering Bed Bug Infestation Recovery insurance to hotels. You can read about it on the PLIS website and in this press release.

This PLIS policy includes a crisis management component (with services provided by Specialty Risk Management, Inc.), and offers clients a choice of vendors, including the option of having their existing PCO appointed to the program, if they meet PLIS’s criteria.

Meanwhile, Willis North America announces that it is now offering Bed Bug Infestation Recovery Insurance(TM), which includes property and liability coverage for businesses including hotels and residential property owners.

Like PLIS, Willis offers crisis management. Their press release notes that the policy’s “Decontamination services [are to be] provided by locally and nationally recognized pest control specialists including Orkin.”

As was true with the AON/Global Express/Terminex insurance, it’s not clear if Orkin is the only provider of services in markets where they have a branch, or if those utilizing the services will always have a choice of treatment providers.

I have nothing against Orkin or Terminex, but the more options one has when choosing a local bed bug treatment specialist, the better.

Finally, NSM Insurance Group just announced it is offering bed bug property insurance to hotels, under their “Express Hotel Insurance” program.

I expect we will see more and more of this and that programs for homeowners can’t be far behind.

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1 Pete June 29, 2011 at 8:56 am

I am very happy to hear that insurance comapnies are recognizing this widespread epidemic now. I hope sooner rather than later that this type of insurance coverage will reach the people who own homes or rent out spaces and we can finally all sleep a little better at night. Battling BBs are enough of a nightmare within itself, not having the money to do it is entirely another issue that will only make the situation worse.

2 nobugsonme June 29, 2011 at 4:11 pm

Hi Pete,

I know homeowners and renters who are responsible for treatment would be very interested in getting this kind of coverage.

Personally, being able to choose one of the better PCOs in my area, and not being tied to a single chain, is a big deal, so I hope we’ll have the option when the time comes.

Sadly, there will still be lots who can’t afford insurance, so we still need other solutions in place to cover that situation. No one should have to live with bed bugs.

3 Pete June 30, 2011 at 8:37 am

Hi Nobugsonme,

I totally agree. For the ones who can’t afford insurance, hopefully that’s where the government can step in and assist those who are so unfortunate. Slowly but surely as industries are responding to this epidemic, I feel it’s helping America “buy some time” so that hopefully, one day, we can be on this post talking about a Magic Bullet finally being presented.

4 Brigid July 6, 2011 at 2:14 pm

I have a feeling that this may be a situation where individual PCOs will have to find their own insurance company to “partner” with.

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