Home Inspectors
Why Home Inspectors Need Specialized Insurance
While your technical skills are top-notch, the nature of the inspection business carries inherent financial risks. Here is why carrying both Errors & Omissions (E&O) and General Liability (GL) is essential:
- Errors & Omissions (Professional Liability)
E&O insurance is your primary defense against claims that you made a mistake or missed a significant defect during an inspection.
- The “Missed” Defect: If a client discovers a cracked heat exchanger or a structural foundation issue six months after moving in, they may sue you for the repair costs, claiming you should have caught it.
- Legal Defense Costs: Even if you did everything right, defending yourself in court is expensive. E&O covers your legal fees and any resulting settlements.
- Peace of Mind: It allows you to perform your job confidently, knowing that a single oversight won’t result in personal financial ruin.
- General Liability
While E&O covers your work, General Liability covers your physical presence on the property.
- Bodily Injury: If a homeowner or real estate agent trips over your ladder or equipment and gets injured, GL covers their medical expenses and your legal liability.
- Property Damage: If you accidentally leave a sink running while testing it and cause water damage, or if you step through an attic ceiling, GL pays for the repairs.
- Agent/Realtor Protection: Many real estate offices will not allow you onto a property or put you on their “preferred vendor” list unless you can provide a certificate of General Liability insurance
Home Inspectors Errors & Omissions Insurance
Helping Inspectors Since 2006 – Multiple A-Rated Insurance Companies with Decades of Experience
Why Choose Madrona Insurance?
- Premiums starting at $750/year for combined General Liability and E&O
- New Inspectors Preferred – Multi-State & Multi-Inspector Coverage Available
- Experienced Solo Inspectors Covered
- Commercial Inspections up to 100,000 sqft (no restaurants)
- Same Day Quotes – Quick Phone Assistance: 959-205-9982
Comprehensive Coverage for All Inspection Types
- Draw Inspections
- 203(k) Inspection & Consulting
- Energy Audit Inspection
- Bulkhead, Seawall & Dock Inspection
- Infrared Thermography
- Indoor Air Quality & Green Building
- Lead Paint & Radon Inspections
- Mold, Pool & Spa Inspections
- EIFS (Visual Only) & Oil Tank Sweep
- Unmanned Aircraft Inspection
- Wind Mitigation, Rodent, Termite/WDI & 4-Point
- Septic, Sewer & Water Well Inspections
- Commercial Inspections up to 100,000 sqft
Special Features & Additional Coverage
- Diminishing Deductible: $500/Year (Min $500 E&O Only)
- Expert Witness Coverage
- Limited Additional Insured: Franchiser & Realtor Referrals
- Automatic Extended Reporting Period (ERP): Available after 3 years for death, disability, or retirement
- General Liability: $250 Deductible, $10,000 Medical Coverage, $100,000 Coverage on Property Rented to You
- Pre-Claims Assistance & Risk Management Support
Commercial, PCA & ASTM Inspections
We have you covered for Commercial, PCA, and ASTM inspections with flexible policies and expert support.
Contact & Apply:
- Phone: 959-205-9982
- Apply Online: Application Link
- Website: madronainsurance.com
Madrona Insurance | Serving Home Inspectors Since 2006