| (a) Each business license applicant and certified noncommercial
applicator license applicant must submit a certificate of insurance
with proof of coverage on the form provided by the department in an
amount not less than $500,000 for bodily injury and property damage
coverage, with a minimum total annual aggregate of $1,000,000 for
all occurrences. The insurance policy must insure applicant for damage
to persons and/or property occurring as a result of operations performed
in the course of the business of structural pest control to premises
or any other property under applicant's care, custody, or control.
No new business license or certified noncommercial applicator license
will be issued until insurance requirements are met. Policies must
contain a cancellation provision for notification to the department
not less than thirty (30) days prior to cancellation.
(b) A licensee who operates as a wood treater who treats
wood on commercial property owned by the licensee must submit a general
liability insurance policy or certificate of coverage in an amount
not less than $500,000 for bodily injury and property damage coverage,
with a minimum total annual aggregate of $1,000,000 for all occurrences.
No license will be issued until this insurance requirement is met.
Policies must contain a cancellation provision for notification to
the department not less than thirty (30) days prior to cancellation.
(c) If payment of claims results in reducing the total
aggregate of coverage below $1,000,000, the insurance carrier must
notify the department and the licensee within ten (10) business days.
The licensee must obtain additional coverage to meet the minimum requirements.
(d) Inactive certified applicators and technicians
that do not perform structural pest control work for compensation
or as a part of the duties of their employment are exempt from insurance
requirements.
(e) Certified noncommercial applicators employed by
governmental entities are exempt from insurance requirements.
(f) Only those insurance policies issued by insurers
authorized by or registered with the Texas Department of Insurance
will be considered to meet the requirements of this section.
(g) A structural pest control commercial business or
noncommercial certified applicator must maintain general liability
insurance with the required minimum coverage during the duration of
the licensure period.
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