E&O and GL Insurance

Get fully covered with both errors and omissions insurance and general liability insurance for home inspectors. By coupling these two insurance products together, home inspectors can rest easy knowing that they are covered by the most common claims against home inspectors.

Only Dedicated Insurance Carrier, EliteRE

EliteMGA’s home inspector insurance is uniquely positioned to offer tailored coverage at competitive rates through their own insurance captive, EliteRE. EliteRE is the first and only insurance carrier 100% dedicated to the home inspection industry and designed with home inspectors in mind.

State Specific Insurance

EliteMGA has years of experience providing home inspector liability insurance in all 50 states. By law, certain states require a home inspector to carry insurance.

Our Home Inspector Insurance Coverage

EliteMGA is 100% dedicated to the professional home inspector. We specialize in your specific needs:

  • Dedicated Carrier: We sell insurance. We do the billing. We settle claims! We have our own carrier for Home Inspectors! No nonsense dealing with a third-party insurance carrier – just us!
  • Support: Our team of in-house attorneys (led by the pre-eminent expert in Home Inspection, Joe Denneler) create the Risk Management tools (to keep you out of a claim) and manage the claims (once you have a claim).
    We strive to have the most competitive rates in the market.
  • Experience: We have been serving home inspectors since 2007. Our experience counts in underwriting- writing business responsibly so as to ensure a product for inspectors for years to come.
  • Coverage Plans: We offer unique coverage – Whatever you need for your home inspection business we can provide.
  • Discounts: Group discounts for multiple inspectors.

EliteRE, Only 100% Dedicated Carrier For Home Inspectors

EliteMGA has been a leader in providing home inspector business insurance and risk management for years in the Home Inspector industry but there was always one piece missing – Total Autonomy. Who knows the experience of inspectors better than a leading provider of insurance and risk management in the country? So, EliteMGA created a carrier just for Home Inspectors – EliteRE. What are the advantages of us owning our own captive?

  • Complete underwriting authority – we decide who to insure.
  • Absolute pricing authority – we decide the pricing.
  • Tailored Policy – we create the policy’s coverages to fit the needs of our inspector clientele.
  • Risk Management – we create the tools to keep you out of claims.
  • Absolute Claims Authority- we handle the claims in-house with our inspector’s best interest at heart.

State by State Insurance Requirements For Home Inspectors

Group Discounts:

You have multiple inspectors? We rate 2 inspector groups for the price of 1! Your business is growing and needs cash flow? We can add all inspectors mid-term for no additional cost until renewal. Do you have a large group of inspectors? Our group rates are SENSATIONAL!

Discounts Given For:

Accredited Association Memberships

Education Participation

Holding Additional Licenses (electrical, contracting, plumbing, HVAC, industry-relevant)

Software Use

Technology/Equipment Use (Cameras, etc)

Errors and Omissions Home Inspector Insurance

Errors and omissions insurance protects home inspectors in case their client files a lawsuit or claim based on financial damages caused by omissions or mistakes in the inspection. Errors and omissions will cover attorney fees, settlements, and any third-parties financial losses. EliteMGA’s errors and omissions insurance is powered by our own captive, EliteRE. Most states require home inspectors to carry errors and omissions insurance. However, even if your state does not require it, it is still a good idea to carry errors and omissions insurance. Learn more about errors and omissions insurance for home inspectors and the errors and omissions policy from EliteMGA.

General Liability (GL) Home Inspector Insurance

Home Inspectors often experience claims in regards to property damage and personal injury to their customers or a third party. General Liability insurance for home inspectors protects you from these types of claims. Moreover, many home inspectors are required to furnish proof of coverage to enter a property. Additionally, if you have a location (office or shop), general liability insurance covers that location for third party “slip and fall ” public liability. EliteMGA’s general liability insurance for home inspectors is designed to cover residential and commercial inspectors, radon, mold, termite inspectors, green/energy auditors, and infrared thermographers. Our general liability insurance includes products and operations, medical payments, rented property or premises, and much more.

What Our Customers Say About Us!

Certified Home Inspector Association- Superior Home Insurance Insurance- EliteMGA
Certified Home Inspector Association- Superior Service Home Inspector Insurance- EliteMGA
ASHI Bronze Recognition
Certified Market Specialist- EliteMGA

Home Inspector Claims Talk

Do Home Inspectors Really Need Insurance?

A home inspector who takes great care in his or her work and has all the professional experience in the world can still be the target of a lawsuit. Legal defense costs and damages could financially cripple an uninsured home inspector. That is why it is important to invest in insurance for home inspectors, including errors and omissions (E&O) insurance and general liability insurance coverages.

Home inspector insurance can be especially confusing. Luckily, we can help you determine your needs and connect you with a program that fits your individual insurance requirements.  Just give us a call today at 800-355-1185 or email us at inspection@eiipro.com, and our professional EliteMGA team will help in any way we can.