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Home Inspector General Liability and Errors & Omissions Insurance

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Coverage Information

Available Coverage

InspectorPro can provide coverage in four forms; General Liability, E&O, Inspection Equipment, and Crime/Fidelity coverage. General Liability can provide protection when someone or something is injured (such as children falling from a ladder used for a roof inspection).

Errors & Omissions (E&O) can provide protection for a financial injury someone sustains due to your services, or lack thereof. An example of E&O coverage would be failing to notice a chimney which needs repair and the new homeowner now needs to pay to replace it.

Inspection Equipment coverage provides coverage for your equipment should it be stolen from a locked home during the course of a test or inspection. Crime/Fidelity coverage can provide protection for claims arising out of your employee's theft of another's property.

Covered Services

InspectorPro can cover most of the exposures a property inspector faces. This includes, but is not limited to, the following services:

  • FHA, HUD and VA inspections (including 203K)
  • Draw Inspections
  • Foreclosure Inspections
  • Radon*
  • Termite*
  • Mold*
  • Pool and Spa
  • Septic and Well Flow
  • Mortgage Field Services
  • Windstorm Inspections
  • Light Commercial & Residential Inspections
  • And many other services

Coverage Limits Available

Deductibles/Retentions

$2,000,000
$1,000,000

$500,000
$300,000
$100,000

$1000 General Liability
$1500, $2500, or $5,000

Enhancements

All InspectorPro policies provide the following available enhancements:

  • Full entity coverage regardless of type (corporation, LLC, sole-proprietor, etc.)
  • Referral Coverage for relevant referring parties (real estate agents, mortgage brokers, etc.)
  • Full retroactive/prior acts coverage
  • General Liability and Professional Liability
  • Administrative and clerical employees automatically covered
  • Multi-Inspector policies

Eligibility

InspectorPro is available in all 50 states and now in Canada. To be eligible for InspectorPro, home inspector insurance, you must be a property inspector who adheres to all the rules and regulations for the jurisdiction in which you do business. This may include licensing, continuing education and other requirements. Pictures are important and you need to commit to taking pictures on every inspection. For general information about your state requirements please select your state below.

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State Insurance Requirements

Select your state below to find out how much insurance coverage is required.

Insurance Carrier Information

The InspectorPro Insurance Program is underwritten by one of the world's leading insurance providers. They issue millions of policies to businesses and professionals worldwide.

2015 Corporate Highlights include:

$4.84 billion in revenues
6,200 employees
U.S. and international operations
Rated A (Excellent) and financial size X by A.M. Best

The InspectorPro Program

The InspectorPro insurance program is specifically design for home inspectors. By combining errors and omissions (E&O) with general liability insurance in one package, InspectorPro helps inspectors get the full coverage they need with substantial savings.

The InspectorPro team has well over 50 years of combined experience providing specialized insurance solutions in the real estate field. Our claims managers have administered and defended claims for property inspectors and other real estate services companies for over 20 years.

Carrier Highlights

Carrier Highlights:

$4.84 billion in revenues

6,200 employees

Rated A (Excellent) and financial size X by A.M. Best

Carrier Highlights

All of our inspectors get complementary claims assistance. If you are in the situation where you might have to file a claim, we are here to provide expert advice and tools to guide you through it.

InspectorPro is more than just your insurance provider. We exclusively focus our expertise on the home inspector industry in order to provide the best insurance product available.

We protect. You inspect.

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Claims Scenarios

See the latest home inspector claims.