North Carolina Home Inspector Insurance

Home inspection is a very niche industry with laws varying in every state. Likewise, that specificity applies to home inspection insurance in North Carolina. Do you know what your insurance requirements are as a North Carolina 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 the North Carolina home inspection insurance requirements as established by the North Carolina Department of Insurance Home Inspector Licensure Board (see § 143-151.51.,b,1-2).

Click below to obtain insurance for your North Carolina home inspection business!


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

One of three options:

  • Limits of $250,000 / $250,000 or more in E&O
  • $5,000 in bonds
  • $5,000 in assets

General Liability / Bodily Injury and Property Damage Liability

Limits of $250,000 / $250,000 or more


Apply for E&O and GL Insurance


Workers’ Compensation

Workers’ compensation requirements come from the North Carolina Industrial Commission. (See Employers’ Requirement to Carry Workers’ Compensation Insurance.)


Apply for Workers’ Comp Coverage


Have questions about North Carolina home inspection insurance? 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 North Carolina 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.

North Carolina Home Inspector Insurance Requirements

Last Updated: September 27, 2022