Texas Home Inspector Insurance Requirements
Home inspection is a very niche industry with laws varying in every state. Likewise, that specificity applies to insurance for Texas home inspectors. Do you know what your insurance requirements are as an inspector in Texas? 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 the Texas home inspector insurance requirements as established the Texas Real Estate Commission (see Chapter 535.211).
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Professional Liability / Errors and Omissions (E&O) Requirement
Limits of $100,000 / $100,000 or more.
General Liability / Bodily Injury and Property Damage Liability
No requirements, unless performing mold inspections. See below.
If you perform mold inspections, you must have limits of $1 million / $1 million in general liability.
If you perform pest inspections, you must have limits of $300,000 / $300,000 or more.
Workers’ compensation requirements come from the Texas Department of Insurance. (See Workers’ compensation insurance guide.)
Have questions about insurance for Texas home inspectors? Call to have a conversation with a licensed broker.
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 Texas 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.
Last Updated: July 15, 2021