The present invention relates to urea co-inclusion complexes of hazardous insecticides such as chlorpyrifos, malathion, bifenthrin and cypermethrin for improvement of safe handling and other characteristics. Insecticides which are normally non-complexing guests (NNCG) are entrapped successfully in the cavities of hexagonal urea lattice in presence of readily complexing guest (RCG) and are accordingly not accessible either to the environment for inhalation or for dermal exposure. Therefore, personnel engaged in processing and handling of insecticide(s) will not be exposed to the insecticide(s) after its engulfment in the urea lattice. Pests will be exposed to insecticide only after complex comes in contact with water following switching on water sprinkling system in fields. Formation of urea co-inclusion complexes was confirmed by DSC, FTIR, XRD and 1H-NMR studies. Additionally, the compositions exhibit improved formulation characteristics like improved dissolution profile of poorly soluble insecticides, steep reduction in offensive odor, uniform composition and better flow properties.