Crawlers and Squirmers

Although it's not necessarily a phobia, I am scared of worms. I am scared of spiders, I am scared of beetles. I am scared of any squirmy thing or crawler that touches me. So, in a way, I'm simply scared of touching insects; as long as they don't bother me, I don't care. But once they touch me I will freak out.
As far as worms go, I won't touch them unless I have some type of gloves on. In the house I lived in for most of my life, we had a garden in the backyard. If we wanted to go fishing, my brother, sister and I would go "fishing" for worms. Both my siblings were fine with touching the worms themselves, except I was almost terrified. My brother, like most, would hold up a worm in front of my face, forcing me to see the squirming thing that longed to go back into the ground, but instead went into an ice cream bucket with a little layer of dirt from the garden.
Not so much worms themselves, but I can't touch them. I love to fish with my grandpa (this ties in, I swear), but when we do go fishing (which is very rare), I do not touch the worms if we have live bait, and once I get a fish I do not touch that, either. Squirmy things simply freak me out, and I refuse to touch them. Same with bugs--any sort of bug, really. Ladybugs (which we had in my old house every summer we lived there), spiders, ants; I can't stand them touching me. As long as they're crawlers or squirmers, I try to shake them off as soon as I can.
If someone tells me I have a bug on my shoulder or back, I will make a scene. Whether it's in public or not, I just want the thing off me. More often than not, someone will simply tell me that I have a bug on me.
Yes, they're just a bug. But to me, they're creepy crawly squirmers and they completely freak me out.
(Sorry this is so late, I completely forgot about it!)