Home Inspector E&O And General Liability Insurance

Ryan Phelps Big Brother Inspections

EliteMGA, powered by its own insurance carrier, EliteRE, has specially crafted coverage to protect the professional Home Inspector. Every inspector we insure has specialized home inspection education. Pool your risk with other educated inspectors for better coverage.

  • 20+ years of experience insuring home inspectors in all 50 states
  • Tailored coverage designed specifically for home inspectors
  • Low premiums and competitive rates through our own insurance captive, EliteRE
  • Only insurance carrier 100% dedicated to the home inspection industry
  • Risk and claims management from the preeminent Home Inspection litigation attorney, Joe Denneler included in our program 
  • Pre-claims assistance with risk management tools to keep you out of a claim
  • Worry free claims reporting: if we don’t pay anything, you don’t pay anything

E&O Home Inspector Insurance Starting at $1,000 Per Year

Our policies can be tailored to your specific business needs, services offered, and state requirements. Here are the factors that will affect the cost of your E&O home inspection insurance.

A variety of deductible options from $1,500 to $10,000

The total dollar amount that will be paid for each liability type, from $100,000 to exceed $1,000,000

Policy Type:
Claims made vs occurrence policy

Ancillary Coverage:
Selection of specific services offered by your company

Business Specifics:
Number of Inspectors, Claims History, Retroactive date of your prior insurance (if you have been in business)

What’s Included in a GL and E&O Home Inspector Insurance Policy

All the coverage you need is included in our policy at no additional cost! Simply show your certification to meet our education requirements. 

Errors and Omissions Insurance

Protects home inspectors from claims related mistakes, error or omission that caused a financial loss for the client.

General Liability Insurance

Protects home inspectors from claims related to property damage and personal injury to their customers or a third party.

Bodily Injury Insurance

Protects inspectors in the event that their actions or alleged errors in the inspection report result in someone being physically harmed.

Property Damage Insurance

Protects inspectors in the event that their actions or alleged errors in the inspection report result in damage to the property or loss of use of the property.

Ancillary Coverage Included with Education

Created BY home inspectors, FOR home inspectors, our coverage allows you to customize your insurance for business needs.

Termite/WDI $100,000 Coverage Included

Covers damage to a home caused by insects or termites that are discovered after the report is completed.

Mold $100,000 Coverage Included

Covers mold inspectors who use visual inspections, air and surface sampling, or moisture meters to determine if mold is present.

Radon $100,000 Coverage Included

Protects you from inaccurate testing for radon gasses, whether it’s due to your device malfunctioning or some other margin of error

EIFS/Stucco $100,000 Coverage Included

Covers testing errors while inspecting a home a home built with exterior materials that are prone to moisture, like EIFS or Stucco

Commercial $100,000 Coverage Included Covers inspections for commercial buildings other than a home (limitations may apply)

Lead Paint $100,000 Coverage Included – Protects you during older home inspections that still contain lead paint in some capacity that was miss during the inspection

Pool/Spa $100,000 Coverage Included Protects you in the event that your inspection fails to uncover issues in a pool’s decks, steps, interior finish, cleaning system, diving boards, or other features

Green Building Inspections $100,000 Coverage Included Covers you if you offer inspections for energy efficiency

Indoor Air Quality Testing $100,000 Coverage Included – Covers inspectors who take air samples at the property and send them to an approved lab for testing

Infrared Thermography $100,000 Coverage Included – Protects you if your infrared technology does not detect a leaks, pests,  electrical issues, or other problems after the inspection is completed

Rodent Inspections $100,000 Coverage Included – Protects you if there is rodent damage in a home, or signs of an infestation occur after an inspection

Septic/Water Testing $100,000 Coverage Included – Water and septic systems vary in complexity, and specific coverage can be added to extend to these services for the properly trained inspector

Drone-Aviation Liability $50,000 Coverage Included – Insures your UAS/UAV aircraft for physical damage while performing roof or other aerial inspections. 

Additional Ancillary Coverage Options – Extra

Tool & Equipment Coverage – Protects your equipment and inspection tools from damage during inspections including tablets, drones, and other tools.

Common Claims & Home Inspector Insurance Coverage to Protect You

Type of Claim Examples Protection
  • Overfilling a sink or a tub
  • Stepping through the ceiling 
  • Broken automatic garage doors
General Liability Insurance
Missed Defects
  • Foundation issues
  • Roof problems
  • Water Intrusion
Errors & Omissions Insurance

Claims Management with E&O Home Inspection Insurance

Claims can and do happen. With EliteMGA, we handle the entire process inhouse from insurance to risk management and claims to settlements. 

Our E&O home inspection insurance covers judgments, settlements and defense costs that may be brought against the inspector, regardless of the merit behind the claim.

Insurance for Home Inspectors

Home Inspector Testimonials

Home Inspection Insurance FAQs

Errors and omissions (E&O) insurance is a form of professional liability coverage designed to shield home inspectors, their employees, and other professionals from allegations of substandard work or negligent behavior.

It covers legal costs, settlements, and judgments arising from errors, omissions, missed deadlines, breaches of contract, or other mistakes in their services. Home Inspection E&O insurance can mitigate the financial risks associated with such claims.

  • State Requirements: Professional Liability insurance for home inspectors is required in over 50% of the states. Check if it is required in your state!
  • Financial Protection: It shields inspectors from financial losses due to claims of errors, omissions, or negligence during inspections, covering legal costs and settlements.
  • Professional Reputation: Demonstrates professionalism and responsibility to clients, building trust by showing readiness to address any errors or omissions, enhancing credibility.
  • Risk Management: Helps mitigate risks inherent in home inspections, providing coverage for potential claims and allowing inspectors to focus on their work with confidence.
  • Protection Against Lawsuits: Guards against lawsuits from dissatisfied clients, covering legal defense costs and potential damages, ensuring financial security amidst legal challenges.

E&O insurance for home inspectors typically does not cover certain claims. EliteMGA can tailor a policy specifically designed for your home inspection business to fully protect you against all common claims in the home inspection industry. Some areas not covered by E&O insurance include property damage, personal injury, intentional misconduct, and general liability.

The cost of Errors and Omissions (E&O) insurance for home inspectors can vary based on several factors including:

  • Coverage Limits
  • Deductible
  • Location
  • Experience and Claims History
  • Ancillary Services Offered