Ohio Home Inspector Insurance

Home inspection is a very niche industry with laws varying in every state. Likewise, that specificity applies to insurance for Ohio home inspectors. Do you know what your insurance requirements are as an Ohio inspector? Or the appropriate coverage you need to defend against claims? Since it can be difficult to find this information, we’ve done the research for you.

The following are insurance requirements for Ohio home inspectors as established by the Ohio Division of Real Estate & Professional Licensing (see Chapter 255-26-2).

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


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

No requirements, unless performing pest inspections. See below.

General Liability / Bodily Injury and Property Damage Liability

Limits of $100,000 per occurrence / $300,000 or more in aggregate.


Apply for E&O and GL Insurance


Pest Coverage

Limits of $50,000 per occurrence. $100,000 aggregate in E&O required.

Available upon request. 


Workers’ Compensation

Workers’ compensation requirements come from the Ohio Department of Occupations and Professions. (See 4764.11 Insurance requirements; recordkeeping.)

Since Ohio is a monopolistic state, our workers’ compensation program is not available there.


Have questions about insurance for Ohio home inspectors? Call to have a conversation with a licensed broker.


About InspectorPro

InspectorPro Insurance is the leading provider of insurance for home inspectors 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 an Ohio home inspector, have unique needs when it comes to having adequate protection from claims.

For this reason, with InspectorPro, you get tailored insurance for your home inspection business at a reasonable price. And, since our team of licensed professionals specializes in home inspection insurance, we are able to give you the personalized attention you deserve. What’s more, 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.

Ohio Home Inspector Insurance Requirements

Last Updated: September 27, 2022