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
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. Find a list of five of our customers’ favorite things about our home inspector insurance that make us stand out from our competitors below.
Our employees 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 admins that are committed to home inspectors. It’s our claims team, too. Because our adjusters only handle pre-claims and claims in the inspection industry, they’re better able to understand your clients’ complaints and how to best handle them.
Our claims team’s knowledge of the inspection field makes them better able to close claims quickly and cheaply for our insureds.
Get to know the InspectorPro team.
Pre-claims assistance is exactly what it sounds like: It’s free help responding to unhappy clients in a way that may prevent said clients from making any demands. Since beginning to offer the service in 2016, our team has stifled 85 percent of inspection client complaints before they could 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 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 free with most insurance policies without penalties at renewal.
That means that 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.
Learn how pre-claims assistance benefits you.
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.
But 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:
Contract Discounts: We’ve used our claims defense know-how to create state-specific pre-inspection agreements to 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 inspection agreements in the next tab.
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. And, when combined with your early reporting discount (above), your potential deductible discount increases from 50 percent off to 75 percent off. Better yet, if you have the contract discount, too, you may pay as little as $0 on your deductible. Learn more about our diminishing deductible discount here.
Early Reporting Discounts: When you report a claim, the most you will owe your home inspector insurance company is your deductible. However, there are ways to pay less. You can receive discounts by reporting your claims promptly. Since timing can play a pivotal role in claims handling, we offer early reporting incentives in the form of deductible waiver endorsements of up to 50 percent off to encourage insureds to quickly report potential claims to the insurance company. And, when combined with your diminishing deductible endorsement (above), your potential deductible discount increases from 50 percent off to 75 percent off. Better yet, if you have the contract discount, too, you may pay as little as $0 on your deductible. Learn more about our early reporting discount here.
After over 10 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 that 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.
Happy Home Inspectors
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 just a few of their testimonials below.
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.
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.
