The Best Home Inspector Business Insurance
The leading provider of insurance for home inspectors
We are InspectorPro Insurance, the #1 provider of home inspector insurance in the nation. With errors and omissions (E&O or professional liability), general liability, and workers’ compensation coverage available for all 50 states, we are confident that we can provide your home inspection company with the peace of mind and protection you need.
What Sets Us Apart as the Best Home Inspector Insurance
When comparing home inspector insurance companies, it can be tough to discern the differences. Confronted by half a dozen home inspector insurance applications and mile-long insurance policies, you may not even know where to start your analysis. And if you’re worried about throwing your state’s home inspector insurance requirements into the mix, the task of finding the best home inspector insurance for your business can be even more daunting.
Let us do some of the work for you. We know we have the best home inspector insurance, and we can prove it. See five of our customers’ favorite things about our home inspector insurance (and how we stand out from our competitors) below.
Most of our team members work with home inspectors and only home inspectors. With such a tight focus on the inspection field, our team is better equipped to meet your home inspector insurance requirements and answer your questions.
And it’s not just our brokers and account managers who are committed to home inspectors. It’s our claims team, too.
Our claims team only handles pre-claims and claims in the inspection industry. In turn, their unique knowledge about the inspection field allows them to close claims quickly and efficiently—which is what you really want from your home inspector insurance.
Our staff’s expertise and effectiveness help give us the best home inspector business insurance nationwide. Get to know the InspectorPro team yourself by reading our employees’ bios.
Pre-claims assistance is exactly what it sounds like: It’s help responding to unhappy clients to prevent demands for money. As the best home inspector insurance, we stifle 85 percent of inspection clients’ complaints before they turn into claims.
In the open market, help with pre-claims can cost an extra $500 a year or more. And oftentimes, that outside help doesn’t give you the same benefits.
In fact, addressing a client’s complaint with a third party can violate your home inspector insurance policy’s reporting requirement.
At InspectorPro, there is no need to pay for a separate complaint handling service in addition to your home inspector insurance coverage. Our pre-claims assistance comes with most insurance policies at no additional cost and without penalties at renewal.
That means incidents submitted to pre-claims assistance will not result in deductible charges and premium increases so long as the complaint 1) is an incident, not a claim, and 2) doesn’t turn into a claim.
You don’t know the true value of your home inspector insurance until you have to file a claim. And, if you haven’t had a claim already, it’s likely you will. Over half of home inspectors face at least one claim during their careers. And it’s when you’re facing a claim that having the best home inspector insurance really matters.
With us, a claim doesn’t have to be the end of your business. Here at InspectorPro, our thorough and experienced claims handling procedures make sure your claims resolve in your best interest.
Our claims adjusters have the professionalism and commitment to
advocate for your inspection business, no matter what the covered cause. With our dedicated and knowledgeable team in your corner, you can inspect with more peace of mind.
While not having claims is a reward in and of itself, it would be nice if your home inspection business insurance provider acknowledged everything you do to prevent claims. So, we do. Here are some of the rewards we give our inspectors who are taking their risk management seriously:
1. Contract Discounts:
We’ve used our claims defense know-how to create state-specific pre-inspection agreements that protect our home inspectors. We’re so confident in our contracts that we award any insured who properly executes them a $1,000 deductible discount on covered claims. Learn more about our model pre-inspection agreements.
2. Diminishing Deductibles:
Our diminishing deductible endorsement—also referred to as a reducing, depreciating, or disappearing deductible—rewards you for your consecutive years with us and without claims. For each consecutive policy period that you do not have a claim, your E&O deductible will be reduced by 10 percent (subject to a maximum reduction of 50 percent).
Better yet, when combined with other discounts, you may pay as little as $0 on your home inspector insurance deductible. Learn more about our diminishing deductible discount.
3. Early Reporting Discounts:
You can also receive discounts by reporting claims to your home inspector insurance company promptly.
Since timing can play a pivotal role in claims handling, we offer early reporting incentives of up to 50 percent off your deductible. When combined with your diminishing deductible endorsement (above), your potential deductible drops from 50 percent off to 75 percent off. Add the contract discount, too, and you may pay as little as $0 on your deductible.
Learn more about our early reporting discount.
After over 15 years of handling claims against home inspectors, we know a thing or two about which characteristics of a contract offer the best defense. We’ve used our insight into the most recent claims, case law, and legislation to create state-specific pre-inspection agreements so you can proactively prevent and protect against claims.
Our contracts include the essential provisions—like limitations of liability and arbitration clauses, where applicable—to safeguard your home inspection business. And because our model agreements are state-specific, you don’t have to worry about being out of compliance with any of the rules and regulations in your area.
Our state-specific agreements are now available to InspectorPro insureds. Click here to learn more.
Home Inspectors Say We’re the Best in Home Inspector Insurance
How do we know we have the best home inspector business insurance on the market? We look to our thousands of satisfied customers. Check out a few of their testimonials below.
While looking for insurance for our new company, InspectorPro Insurance came highly recommended. During our initial conversation, [their] clear knowledge of our industry, questions, and what [they] had to say immediately put us at ease. The subsequent follow up was absolutely first class, second only to the product and pricing they offered. They were not the only company we went to but for us they were clearly the best. If you want great service, clear communication, a great product at a solid price we suggest you give them a call.
I must admit, being new to the industry I was lost to what steps to take in finding the right Insurance Company for my Property Inspections business. However, the process from the beginning to end was absolutely amazing. A customized quote, questions answered that you didn't even know you needed to ask, to signing all documents online was super efficient. Very responsive in returning emails and making this a very easy process. I would highly recommend to anyone looking for insurance!
Great company, very customer oriented. They understand the challenges of the home inspection profession and have worked hard to be a partner and educator, not just another insurance carrier. Their commitment makes our industry better.
After working in the insurance industry for 25 years, I was very particular regarding filling the insurance needs of my business. [InspectorPro's] knowledge and approach to Risk Management as well as their ease of doing business is on par with what customers should expect from a Best In Class operation. Thank you InspectorPro for making the process easy for our business! Peace of Mind.
[With InspectorPro], the coverage increased and I feel like I AM TAKEN CARE OF which is the most important part. [InspectorPro] found holes in my old policies and assisted me with the process of what I needed and what I needed to say to get out of my old contract and into a new one with InspectorPro. The most important part is piece of mind and the comfort that when I need to talk to someone, someone is there that I'm forming a professional relationship with.
So far, I'm so much more pleased with InspectorPro than the other companies I was with and I encourage all Pillar to Post (and other companies) to at least give them a call and let them show you why they are a more personal partner in business.
This is a great company and they understand the specific needs of home inspectors. I highly recommend giving them a chance to give you a quote. AND, they are very responsive, which is rare these days!
Being in business for almost 10yrs, business is at a level where I need to know I am protected. InspectorPro Insurance provides me and my business the protection that is required of me and allows me to continue providing the best service I can to my clients without the stress of worry, if something were to happen. Hands down, InspectorPro is the only choice for professional Home Inspectors.
I cannot speak more highly of InspectorPro. “Pro” is in the name for good reason. I own multiple companies where liabilities are of serious concern. This is especially so within the real estate industry. But I am at total ease knowing that I can trust and rely on this company for fast, accurate, and knowledgeable assistance when there is a rainy day.
I recently chose InspectorPro to insure my business after conducting my own research. What I appreciate is not only the level of coverage but the pro-active stance the carrier takes in protecting its clients. [InspectorPro] is without a doubt the best in not only explaining the coverage but also makes the transition smooth and efficient. We all need insurance and InspectorPro is the best choice in my opinion.
The entire team at InspectorPro has been exceptional to deal with over a 7 year period. Whether we called or emailed they answered basically immediately. Always polite, helpful and easy to deal with. Highly Recommended!!
This is my 23rd year in the building inspection business. This insurance company is not just a place to send my money with the hope I will never have another interaction until renewal time. I have the luxury of discussing potential claims and their diffusion without additional cost. Great advice through newsletters and phone calls. On a scale of 1 to 5 stars, I give 'em a 6. Thanks, InspectorPro.
I had a horrible experience with my former insurance. From the day I got a quote, I was talked to like I was an idiot any time I'd have questions about coverage. The final straw was when my agent didn't change my banking information and my insurance was cancelled. So, I called InspectorPro. They treated me wonderfully and set me up with a policy quicker than it took my former agent to return my call.
This is the first time in eight years that I had an agent be this responsive. InspectorPro answered all my questions and concerns. And I was amazed at the communication AFTER I had signed with InspectorPro. Wow! The Policy Cheat Sheet, the pre-claims assistance—it is so nice to not be in the dark on how their insurance works. I would definitely recommend InspectorPro. They get our business, and not many do.”
I just returned to InspectorPro after trying another company for a year. They have fantastic customer service and pre-claims assistance, as well as competitive rates. Highly recommended!
I was referred by a friend in the industry. He said InspectorPro was instrumental in heading off false claims against him. I called and emailed several companies for quotes, and InspectorPro was in touch immediately. InspectorPro has my business. They specialize in our industry and know what we have to deal with and how to stop unscrupulous clients.
Every home inspector worries about potential claims. InspectorPro does an outstanding job educating their clients on how they can avoid claims. They consistently relay information about establishing expectations, preparing solid inspection agreements, and writing proficient reports. The monthly newsletters offer valuable tips on protecting inspectors from physical harm as well as frivolous claims. The best protection from potential claims is preparation before the inspection even begins. InspectorPro offers us that peace of mind.
When I called InspectorPro to inquire about a quote, I thought I would get the salesman runaround. To my surprise, InspectorPro went over their policy as well as the competitor’s. By the end of our phone call, I realized that spending an additional $350 was actually a savings because there were so many exclusions in the competitor’s insurance policy. I could not be happier with InspectorPro.
I cannot say thank you enough to InspectorPro Insurance. I was referred to InspectorPro by a colleague and now I know why. The entire staff is polite, courteous, responsive, and timely. They made the experience extremely easy and understandable. They held my hand and walked me through everything. I felt important and wanted as a client. I was never pressured to buy anything and given open, transparent pricing. I have no doubts they will be my insurance for life. Thank you! Rock stars with 10 STARS!
I shopped around a bit before deciding on InspectorPro Insurance, and I must say I've been beyond happy with them. What initially got my attention was their responsiveness, which I was not getting from another leading company. Instead of waiting days for a response, I was getting feedback within minutes at times. As a new home inspector, I had LOTS of questions, and some came at all hours of the night. But my agent was there every step of the way, ensuring I had the answers I needed. As home inspectors, we all know there is someone who will to do it cheaper, but you get what you pay for, and the value and peace of mind I have is worth every penny.
5 FAQs About Home Inspector Insurance
Do home inspectors need insurance?
Absolutely! There are lots of reasons to carry home inspector insurance, including:
- To fulfill state home inspector insurance requirements.
- To get defense and payout help with claims.
- To stifle complaints before they turn into claims.
- To protect tools and equipment.
- To have peace of mind after retirement.
If you don’t carry insurance, you may be breaking state laws. And even if your area doesn’t require home inspection business insurance, inspecting without coverage leaves your business vulnerable to serious financial losses. Building inspector insurance gives stress relief and protection.
Blog Highlights
Another way we demonstrate having the best insurance for home inspectors? Our blog.
As one of the top home inspection insurance companies nationwide, we have enough experience and expertise to fill a book. Rather than keeping all that knowledge to ourselves, we share it with you so you can better protect your business.
We talk home inspector risk management essentials, like:
- How to make important business decisions, like which inspection services to offer, when to walk away from inspections, what to charge per inspection, and basic marketing strategies.
- True home inspector insurance claims stories so you can learn what types of lawsuits are most common in the inspection industry and how to prevent them.
- Spotlights of innovative home inspectors throughout the country so you can replicate their successes.
- Need-to-know info about pre-inspection agreements and inspection reports, including how to get your contract signed prior to every inspection, defect classification best practices, and common mistakes that might be lurking in your agreement.
- Home inspection insurance basics, like the differences between errors and omissions and general liability coverage, typical home inspector insurance requirements, how inspector insurance works after you retire, and what are approved inspector insurance limits in your state.
- Things to consider when you’re just starting your inspection business, like the demand for home inspections, the pros and cons of the profession, and basic marketing strategies.
- How to stay safe from common hazards, like animal attacks and roof slips, with safety protocols and workers’ compensation insurance for home inspectors.
- Help deciding whether you should add tools or equipment like infrared cameras and crawlspace robots, and how equipment insurance for home inspectors can safeguard those tools.
- The most common claims filed with home inspector insurance companies, like missed water damage, and how you can avoid them.
- How to manage your risk while inspecting specialty homes, like apartments and condos, flipped homes, and even homes with secret rooms and passageways.
Check out our most recent articles below.
