Home Inspectors
Helping Inspectors Since 2006 – Multiple A-Rated Insurance Companies with Decades of Experience
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:
Why Choose Madrona Insurance?
What inspectors get when they place coverage through us.
Comprehensive Coverage for All Inspection Types
The inspection services covered under a Madrona policy.
Special Features & Additional Coverage
Endorsements and extensions built into the program.
Commercial, PCA & ASTM Inspections
We have you covered for Commercial, PCA, and ASTM inspections with flexible policies and expert support.
Why Home Inspectors Need Specialized Insurance
The two policies do different jobs — one covers your work, the other covers your presence on site.
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
Contact & Apply:
- Phone: 959-205-9982
- Apply Online: Application Link
- Website: madronainsurance.com
Madrona Insurance | Serving Home Inspectors Since 2006
More Resources for Inspectors
Two more places to look before your next inspection — licensing rules by state, and the vendor directories inspectors use every day.
State Licensing Requirements
Licensing rules differ from state to state — and they change. Check the current requirements for every state you inspect in before you take the work.
The Inspector Resource Center
Tools and equipment, associations, franchises, training schools, software, environmental labs, radon monitors, and call centers — all in one directory.
Download the Home Inspector Application
Prefer to fill out a paper application? Download the PDF, complete it, and send it back to us.
Home Inspector E&O and General Liability Application
Please send your resume, contracts, and certificates of training with the completed application. If you are reporting a claim, include five years of loss runs and a supplemental claim form for each one.
What’s inside
- Firm details and coverage — entity type, limits, deductible, current carrier, and desired start date.
- Operations questionnaire — inspection volume, report type, software, pre-inspection agreement, and sub-contracting.
- Ancillary services — radon, mold/IAQ, sewer scope, pool/spa, wind mit, thermography, and more.
- Tier 1 and Tier 2 commercial inspections — commercial building types, project counts, and standards of care.
- Workers compensation — optional section. Not available in Pennsylvania or Texas.
- Definitions — a reference page explaining each commercial building type.
Completed applications can be emailed to Information@madronainsurance.com or faxed to 959-255-9487. This form is for estimate purposes only — coverage can only be bound upon receipt and approval of the carrier’s fully completed application and required supplements.
Ready to protect your inspection business?
Same-day quotes and quick phone assistance. Serving home inspectors since 2006.
Click to Apply