Washington Home Inspector Insurance Requirements

Home inspection is a very niche industry with laws varying in every state. Likewise, that specificity applies to insurance for Washington home inspectors. Do you know what your insurance requirements are as a Washington 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.

Unlike most other states, there are no insurance requirements for Washington home inspectors, unless performing pest inspections. But that doesn’t mean you’re immune to claims.

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


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

No requirement, unless performing pest inspections. See below.

General Liability / Bodily Injury and Property Damage Liability

No requirement.


Apply for E&O and GL Insurance


Pest Coverage

Inspectors offering pest inspections must have one of the following four options:

  1. $25,000 in E&O
  2. $25,000 surety bond
  3. $12,500 surety bond, plus $25,000 in nonoccurrence-based E&O
  4. $25,000 assigned account

Available upon request. 

Workers’ Compensation

Workers’ compensation requirements come from the Washington State Department of Labor & Industries. (See Insurance Requirements: Do I need a workers’ comp account?)

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


Have questions about insurance for Washington 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 a Washington 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.


Washington Home Inspector Insurance Requirements

Last Updated: September 27, 2022