EliteRE is a first-of-its-kind captive insurance carrier created by EliteMGA specifically for home inspectors. Never before has a captive carrier been built exclusively for the home inspection profession. The name says it all: Elite, the brand home inspectors have trusted for years, and RE, standing for Reinsurance. A captive insurance carrier like EliteRE works by pooling similar risks together, such as Home Inspector Errors & Omissions (E&O) – creating a carrier designed entirely around you and your profession.
EliteRE
The Only Captive Insurance Carrier Built Exclusively for Home Inspectors
What is EliteRE? Home Inspector Captive Insurance Explained
How EliteRE Helps Our Customers
With EliteRE, the same team that sells your home inspector E&O insurance also manages your claims. No more navigating the bureaucracy of a big insurance carrier. No more getting passed between departments.
We sell your insurance. We handle billing. We settle claims — all under one roof.
What truly sets EliteRE apart is our partnership with Attorney Joe Denneler — the preeminent litigation attorney in the home inspection space. Joe and his team do two things no other carrier can offer in combination:
- They build the Risk Management tools to help keep you out of a claim in the first place.
- They manage your claims if and when one arises.
That’s end-to-end protection from the most experienced legal team in home inspection.
Because we built EliteRE from the ground up for home inspectors, we understand the risk better than any outsourced carrier ever could — and that means we can set pricing that reflects reality. We don’t rely on generalized actuarial tables from industries that don’t understand your work. We continuously strive to offer the most competitive home inspector E&O insurance rates in the market.
Every home inspection business is different. EliteRE offers coverages that match what you actually do:
- Underground Tank Scans? Covered.
- Pesticide Application Coverage? Covered.
- Tools and Equipment? Covered.
Coverages are added by request and tailored specifically to the services your company provides. If you offer it, we can cover it.
Why Choose EliteMGA’s Carrier (EliteRE) Over a Company Using Outsourced Carriers?
When you deal with EliteMGA you only have to deal with EliteMGA. The same company that handles the sale of your insurance (EliteMGA) also handles your claims and billing (EliteRE). There is no confusion or ambiguity. You may deal with the same representative for the life of your insurance needs!
How Does EliteRE Offer Such Competitive Home Inspector Insurance Pricing?
We specialize in Errors & Omissions (E&O) insurance for home inspectors and have focused exclusively on this industry for over 15 years. Our experience and deep understanding of the home inspection profession allow us to help you select the most appropriate coverage limits and deductibles for your business.
We know the unique risks inspectors face, so we can recommend optional and specialty coverages tailored to your needs and identify opportunities for available discounts. Our goal is to secure comprehensive E&O coverage that protects your business while staying within your budget.
We insure hundreds of home inspection companies of all sizes, from individual inspectors to multi-inspector firms, and understand the nuances of the industry. This expertise allows us to negotiate competitive rates and flexible policy options, including coverage that can extend to additional inspectors at minimal cost.
How Fast Can I Get Coverage? What Limits Are Available?
We handle everything in-house, allowing us to provide one of the fastest turnaround times on your E&O coverage application, often securing coverage in as little as 72 hours.
Since we own the carrier, we can move quickly and tailor your coverage limits to meet your state’s licensing requirements or the level of protection that gives you confidence in running your business. In addition, we offer access to excess limits and ancillary coverages should you need or want to expand your protection.
Frequently Asked Questions About EliteRe
EliteRE’s core offering is Errors & Omissions (E&O) insurance for home inspectors, but coverage goes well beyond the basics. Because EliteRE is a captive carrier built specifically for the profession, it can extend coverage to specialty services that standard carriers often exclude — including underground tank scans, pesticide application, and tools and equipment. If a service is part of your business, coverage can typically be added by request.
Yes. EliteRE works with home inspectors at every stage — from solo inspectors just starting out to large multi-inspector firms. Because EliteMGA handles everything in-house, the application process is straightforward and coverage can be issued in as little as 72 hours. New inspectors can also get guidance on appropriate coverage limits for their state’s licensing requirements.
Most insurance carriers cover dozens of industries and treat home inspectors as a small slice of a much larger book of business. EliteRE was built exclusively for home inspection, which means the people pricing your policy, managing your risk, and handling your claims all understand your profession in detail. There are no generalist underwriters guessing at your risk profile — and no big-carrier red tape slowing things down when you need a decision made.
Three reasons stand out. First, the same company that sells your policy also handles your billing and settles your claims — there is no passing the buck between vendors. Second, Attorney Joe Denneler, the leading litigation attorney in the home inspection space, is involved in both risk management and claims handling, giving you expert-level protection on both ends. Third, because EliteMGA has spent over 15 years exclusively in this space, they can offer pricing that reflects actual home inspection risk — not a broad industry average that works against you.
Contact EliteMGA directly to discuss your coverage needs. Because everything is handled in-house, there’s no lengthy referral process — you’ll speak with someone who knows home inspection, can walk you through your options, and can get your application moving the same day. Coverage can be in place in as little as 72 hours.