Ben at Elite was so helpful walking me though the differences in insurance of my Inspection business. Elite has made home inspection insurance a 1-2-3 easy step process, highly recommend Ben and Elite for all there insurance needs.
Home Inspector E&O Insurance
Our coverage allows you to customize home inspector insurance for your business needs. The only insurance carrier 100% dedicated to home inspectors. Purpose-built coverage, starting at $1,000/year, with approval in under 48 hours.
Tailored E&O + General Liability
No-pay, no-cost claim policy
Risk management included
Own insurance carrier: EliteRE
20+
Years of experience
50
States covered
$1,000
Starting annual premium
48hr
Approval turnaround
Why Home Inspector E&O Insurance Matters
Home inspections involve professional judgment, detailed reporting, and recommendations that can influence major real estate decisions. Even when an inspector performs an inspection carefully, a client may later allege that a defect was missed or incorrectly reported.
Home inspector errors and omissions insurance can help protect your business when a client claims that your professional services caused them a financial loss. Coverage may help with eligible legal defense costs, settlements, and judgments, subject to the terms, conditions, exclusions, and limits of the policy.
Required in 25+ States
Professional liability coverage is legally required in over half the U.S. Check your state’s requirements before you inspect.
Financial Protection
Covers legal defense costs, settlements, and judgments from claims of errors, omissions, or negligence — before and after a claim.
Professional Credibility
Demonstrates to clients, agents, and builders that you stand behind your work — and have the coverage to back it up.
Pre-Claim Risk Management
Our program includes proactive risk tools and access to the preeminent home inspection litigation attorney, Joe Denneler.
Home Inspector E&O Insurance Cost Per Year
Flexible Plans for Every Inspector
E&O Insurance for Home Inspectors starting at $1,000 Per Year. Our home inspector errors and omissions insurance policies can be tailored to your specific business needs, services offered, and state by state E&O Insurance requirements. Here are the factors that will affect the cost of your errors and omissions for home inspection insurance.
Deductibles:
A variety of deductible options from $1,500 to $10,000
Limits:
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
State:
Check your state insurance requirements for home inspectors
Business Specifics:
Number of Inspectors, Claims History, Retroactive date of your prior insurance (if you have been in business)
What Does Home Inspector E&O Insurance Cover?
Home inspection E&O coverage is designed to address claims arising from alleged professional mistakes, errors, omissions, or negligence. The exact protection available depends on the policy terms, conditions, exclusions, and coverage limits.
Real Home Inspector E&O Claim Examples
Coverage descriptions only tell half the story. Here’s what these policies actually pay for in practice:
Missed defect claim: An inspector’s report doesn’t flag a foundation issue later found during a post-sale renovation. The buyer sues for the cost of repair. E&O covers legal defense and any settlement — even if the claim is ultimately found to be without merit.
Bodily injury claim: A buyer trips on an uneven step the inspector didn’t note as a safety hazard during a walkthrough. General liability covers the resulting injury claim.
Property damage claim: An inspector accessing an attic damages ceiling drywall. Property damage coverage handles the repair claim without coming out of the inspector’s pocket.
Ancillary service claim: A radon device malfunctions and under-reports levels; the buyer later tests high and files a claim. Because radon is one of the ancillary coverages included at no extra cost, the claim is handled the same way as a standard E&O claim.
Every one of these is a real category of claim home inspectors face — and exactly why “no-pay, no-cost” claims handling matters more than the premium.
Complete Ancillary Insurance Coverage Included With Your Home Inspector Insurance
Every policy includes $100,000 in ancillary coverage for the inspection types below — simply show your certification.
$100K included
Termite / WDI
Covers damage discovered after report completion from insect or termite infestations. If your business also provides pest control or pesticide application services, learn more about Pest Control Insurance.
$100K included
Pool & Spa
Protects if your inspection misses pool deck, finish, diving board, or system defects.
$50K included
Drone / Aviation Liability
Insures your UAS/UAV aircraft for physical damage during aerial roof inspections.
$100K included
EIFS / Stucco
Covers testing errors on homes with moisture-prone exterior insulation systems.
$100K included
Indoor Air Quality
Covers air sampling sent to approved labs to test for contaminants and allergens.
$100K included
Infrared Thermography
Protects if infrared technology fails to detect leaks, pests, or electrical issues.
What Happens When You File a Claim
- Report the incident. Notify EliteMGA directly — no third-party call center. Report a claim here.
- In-house review. Your claim is handled entirely by EliteMGA’s internal claims team, not outsourced to a generic carrier.
- Legal defense assigned. You get access to Joe Denneler, one of the industry’s leading home inspection litigation attorneys — before the claim even escalates.
- No-pay, no-cost resolution. If EliteMGA doesn’t pay, you don’t pay. Legal defense, settlements, and judgments are covered regardless of the claim’s merit.
- Risk management follow-up. Post-claim, you get proactive guidance to reduce the chance of a repeat issue.
In-House Claims Management Unlike Other Carriers
Claims management is vital with home inspector E&O insurance.
Key aspects include:
- In-House Handling: E&O insurance manages the entire claims process internally, streamlining support and resolution.
- Coverage: It covers legal defense costs, judgments, and settlements, regardless of the claim’s merit.
- Risk Management: Proactive strategies help minimize potential risks and prevent claims.
- Peace of Mind: With comprehensive coverage and support, you can focus on your work with confidence.
Trusted by Home Inspectors Nationwide
As a home inspector EliteMGA was recommended to me by many of my peers. Everything has been great thus far and customer service is always prompt, friendly and knowledgeable. Luckily for me I have not had any claims filed but feel good knowing they are there for me.
I use EliteMGA for my new home inspection business and they have been great. The rates are competitive and the service is outstanding. Anytime I have a question, or need assistance Niccole from EliteMGA is there to help….
I have had EliteMGA as my E&O insurance for the last 22 years. The customer service is fantastic! And I can’t complain about the rates either! Thank you for all you do!
I have had my E&O Coverage with these folks for years and have been satisfied with their customer service. They have responded quickly when I have needed any documentation to provide to new clients, lenders, builders, real estate brokers, etc.
MGA has been the best bang for the buck in providing my home inspection insurance needs and always pleasant to deal with.
This company makes Home Inspector’s insurance affordable. When starting a business it’s costly enough. They are very professional and friendly as are their representatives. Would highly recommend them!
EliteMGA has been a pleasure to work with. They have guided me through the process and have been extremely understanding and patient as I learn my way through the business. I would highly recommend ALL new home inspectors check out EliteMGA! Having the certificate of liability insurance from EliteMGA readily accessible for agents and customers has helped me earn new business.
Fort Morgan, Colorado
Our multi-inspector firm has been with EliteMGA for several years. Ben Garrison has provided us with crucial advice and great service over that time. We have no plans to look elsewhere for our E and O coverage. Like the man said, “Never quit a winner!”
EliteMGA has been very responsive to my needs as a home inspector and the E&O Insurance cost is very competitive.
When you have a question or a problem Eiipro either knows the answer or gets you the RIGHT answer. Any error and omission insurance company is only as good as the person you deal with, that is why I deal with Eiipro and have done so for years.
Ben and Dave are great to work with. They have always been a call away and went to bat for me when we had a claim. They are also my agents for our home, auto and other lines of insurance.
So easy. Great source for E&O and General Liability business coverage. Highly recommend. Niccole, their Sr. Program Rep is knowledgeable, courteous, and helpful.
Best Home Inspectors E&O insurance out there. Super professional, very responsive and heplful. Ben Garrison is the man!
EliteMGA was so easy to work with!! I would highly recommend them for all your Home Inspector insurance needs!!! – Paul Rondeau Viewpoint Home Inspections!!
Elite got me a great rate on E & O insurance for my home inspection business, beating all the competition by over $500. Dave walked me through the entire process. I highly recommend using EliteMGA!
I have been using EliteMGA for the last few years. They are very professional, responsive and answer all of the questions your would have. Perfect insurance for home inspectors. Love this company and will continue to use them for years to come. I highly recommend if your a home inspector to use EliteMGA for your insurance needs.
Ive been in the home inspection business since 1998, EliteMGA is by far the best E&O / GL carrier I’ve ever dealt with. If you’re wise, you’re going to sign with EliteMGA.
The folks at EliteMGA are just that – elite. I have used them for insurance for several years now and really can’t speak highly enough. First, the responsiveness: emails and calls are returned not just the same day, but often in minutes. Second, the professionalism and thoroughness: I have been late making a payment or made an error on paperwork, and they go the extra mile to cover over mistakes or explain things well. For inspectors looking for E&O and general liability, EliteMGA is just the best.
I had the pleasure of speaking with Ben Garrison at length about insurance and liability. I not only learned what to look for when I was comparison shopping, but I received an invaluable education as to what exactly I needed to be insured for. I can’t rate this experience high enough. For home inspectors there’s only one guy you should be talking to.
Fran was great! He took the time to talk to me and walk me through everything. Its amazing that EliteMGA provides this very needed niche of insurance for Home Inspectors. I am very grateful.
Best coverage for Home Inspectors. Great service and cost!
The folks at EliteMGA are just that – elite. I have used them for insurance for several years now and really can’t speak highly enough. First, the responsiveness: emails and calls are returned not just the same day, but often in minutes. Second, the professionalism and thoroughness: I have been late making a payment or made an error on paperwork, and they go the extra mile to cover over mistakes or explain things well. For inspectors looking for E&O and general liability, EliteMGA is just the best.
Kansas City, Kansas
Easy to use, quick response, able to answer all of my questions and provide the E&O and liability insurance I need.
Best Home Inspection Insurance I’ve ever had!
When you are self-employed as a home inspector, being properly protected is extremely important which is why I’ve always carried E&O and General Liability insurance. After a very bad experience with another insurance agent that compromised coverage for all the inspections I’ve performed in the past, EliteMGA and Ben Garrison went to bat for more me in a big way. Fortunately, Elite has a great relationship with their insurance carrier partners and was able to solve a major problem for me and I could not be more grateful for their help. Elite has earned my business and my loyalty and most important, my respect. If you’re a home inspector in the market for E&O insurance, it would be a mistake not to contact Elite. They are the best in the business and I can now sleep comfortably at night knowing Elite has my back.
Sacramento, CA
They were very easy to deal with and to obtain my E & O Insurance from. I’m confident I got a great rate and know I can have peace of mind insuring with this group should I ever need to use it!
By far the best E&O insurance for HI out there!
This will be my second year with EliteMGA for my home inspection general liability and Errors and Omissions insurance. Personally, I have never used a different company for home inspection insurance, but I have always had positive interactions and experiences with EliteMGA and would have no issues recommending them to other home inspectors I know.
EliteMGA is hands down the best for home inspection insurance. They care about their client’s and the level of care is top notch.
I moved my Home Inspection insurance to EliteMGA. They covered all the process we are currently doing and what we plan to do at a great rate. It was super simple and easy.
E&O Insurance FAQs for Home Inspectors
Errors and Omissions insurance covers legal costs, settlements, and judgments arising from claims of errors, omissions, missed defects, breaches of contract, or negligent behavior during a home inspection. It’s professional liability coverage tailored to your work.
EliteRE is EliteMGA’s own insurance captive — a carrier dedicated exclusively to home inspectors. By pooling risk with other educated, certified inspectors, you get better rates and a claims process managed entirely in-house. If we don’t pay, you don’t pay.
Professional liability insurance is required in over 50% of U.S. states. EliteMGA covers all 50 states and can help you navigate your state’s specific requirements, including minimum coverage limits and policy types. Check our state-by-state guide to see the requirements where you operate.
Most inspectors carry between $100,000 and $500,000 in coverage, though limits up to $1,000,000+ are available. The right limit depends on your state’s minimum requirements, the size and value of homes you typically inspect, and whether you offer higher-risk ancillary services like mold or structural assessments.
You’re personally responsible for legal defense costs, settlements, and judgments — which can run into the tens of thousands of dollars even for claims later found to be without merit. This is why over half of U.S. states require the coverage.
It can, depending on your policy’s retroactive date. This is why your claims history and prior coverage dates are factors EliteMGA reviews when quoting your policy — ask about retroactive coverage when you switch carriers.
A claims-made policy covers claims filed while the policy is active (and often requires “tail” coverage if you stop inspecting). An occurrence policy covers incidents that happened during the policy period, regardless of when the claim is filed. EliteMGA can walk you through which structure fits your business.