Florida Home Inspector Insurance Requirements

Home inspection is a very niche industry with laws varying in every state. Likewise, that specificity applies to the insurance home inspectors need. Since it can be difficult to find this information, we’ve done the research for you.

The following are the Florida home inspector insurance requirements as established by the Florida Department of Business and Professional Regulation (see Chapter 468.XV.61-30.)

Click below to obtain insurance for your Florida home inspection business!

Professional Liability / Errors and Omissions (E&O) Requirement

No requirement, unless inspecting for mold. Mold assessors are required to carry $1 million.

General Liability / Bodily Injury and Property Damage Liability

Limits of $300,000 / $300,000 or more.


Apply for E&O and GL Insurance


Workers’ Compensation

Workers’ compensation requirements come from the Florida Division of Workers’ Compensation. (See Florida Workers’ Compensation Coverage Requirements.)


Apply for Workers’ Comp Coverage


Have questions about Florida home inspector insurance requirements? Call to have a conversation with a licensed broker.


InspectorPro Insurance is the leading provider of home inspection insurance in the nation. Why? Above all, we recognize that obtaining or switching insurance providers can be stressful for you. What’s more, we understand that you, as a home inspector, have unique needs when it comes to having adequate protection from claims.

For this reason, with InspectorPro, you get tailored coverage at a reasonable price. And, since our team of licensed professionals specializes in home inspection insurance, we give you the personalized attention you deserve. Moreover, we offer free pre-claims assistance to diffuse complaints before they can escalate into claims. In short, insuring with anyone else simply isn’t worth the risk.

Florida Home Inspector Insurance Requirements

Last Updated: September 27, 2022