Home Inspector Insurance — Errors & Omissions + General Liability
Helping inspectors since 2006. Backed by multiple A-rated carriers with decades of specialized industry experience.
Home Inspector Insurance Program
Errors & Omissions + General Liability
Helping inspectors since 2006. Backed by multiple A-rated carriers with decades of specialized industry experience.
Program Highlights:
- Combined GL + E&O premiums starting at $750/year
- Solo inspectors, new inspectors, & multi-inspector firms covered across 48 states & DC
- Commercial Inspections up to 100,000 sq ft included (excluding restaurants)
- Diminishing E&O Deductible: $500/year credit down to $500 minimum
- Same-day quote turnaround available
Why Inspectors Need Specialized Coverage
1. Errors & Omissions (Professional Liability)
Your primary defense against missed defects and inspection oversights:
- The "Missed" Defect: Protects you if a buyer discovers a cracked heat exchanger, foundation issue, or roof leak months after closing.
- Legal Defense Expenses: Pays legal counsel and court costs even against unfounded or frivolous claims.
- Peace of Mind: Keeps an oversight from turning into personal financial catastrophe.
2. General Liability (On-Site Protection)
Protects your physical presence while testing and operating on-site:
- Bodily Injury: Covers medical expenses if a homeowner or realtor trips over equipment or ladders.
- Property Damage: Covers accidental damage like stepping through an attic floorboard or testing plumbing valves.
- Realtor Preferred Lists: Most agencies require active GL certificates before recommending or granting lockbox access.
Comprehensive Coverage for All Inspection Types
Radon & IAQ Testing
Infrared Thermography
Sewer Scope & Well Testing
Mold, Pool & Spa Inspections
Draw & 203(k) Consulting
Unmanned Aircraft / Drones
Wind Mitigation & 4-Point
Commercial, PCA & ASTM
Apply for Coverage
Complete the quick application below to receive same-day underwriting and quote options.
Open Application Form