When it comes to quality general liability insurance for home inspectors in Alabama, there’s no better option than EliteMGA. Our clients are our highest priority, and our knowledgeable and friendly insurance agents will work with you to understand your business’s specific needs to ensure you are armed with the best general liability insurance policy on the market. Whether you’re a home inspector, mold sampler, energy auditor, or mortgage field service professional, the need for superior liability insurance in Alabama (AL) is inevitable. At EliteMGA, your home inspector Errors and Omissions and General Liability insurance will be combined into one cost-efficient and effective policy.
Alabama Home Inspection E&O Insurance Requirements
Home Inspectors Insurance Minimums in AL
Home Inspector General Liability Insurance Requirements in Alabama
- Alabama home inspectors are required to obtain a minimum of $20,000 in coverage for injury or damage to property, $50k for injury or death to any one person, and $100k for injury, damage, or death to more than one person for liability insurance covering all home inspection operations.
Home Inspector Errors & Omissions Insurance Requirements in Alabama
- The state of Alabama requires home inspectors to obtain a minimum of $250,000 of errors and omission coverage.
Is E&O Insurance for Home Inspectors in Alabama Required?
First and foremost, the state of Alabama requires home inspectors to carry a minimum of $250k of errors and omission insurance coverage and general liability insurance coverage to procure or maintain an active license. Beyond the requirements of the state, carrying home inspector insurance that combines General Liability and Errors & Omissions can not only differentiate yourself from your competitors but also protect your assets and business from potential liabilities and lawsuits. Operating as a home inspector without liability and E&O insurance is like driving without a seatbelt. You might be the best driver on the road, but you don’t know who is on the road with you just like you can’t predict the behavior of a home buyer who is making the biggest investment of his or her life. Home inspectors conduct many home inspections per year; each of these inspections has the potential for liability exposure. Without the protection of liability and E&O insurance, you’re taking a risk and potentially setting yourself up for a financial burden.
Why Should I Choose EliteMGA for Alabama Home Inspector E&O Insurance?
At EliteMGA, we are dedicated to providing you with the best E&O insurance on the market as well as other important insurance coverages. Our specialized, experienced staff will work with you to understand your business and individual needs in order to construct the best possible insurance policy. Regardless if you’re a sole proprietor or a multi-inspector firm, we will work with you to tailor our policy to fit your needs. In addition to E&O and GL insurance policies, we also offer coverage for radon, lead paint, termite/WDI/WDO, pool & spa, septic/water testing, indoor air quality testing, EIFS/stucco, infrared thermography, mold sampling, rodent inspections, green building inspections, and much more.
With EliteMGA, there are never any hidden fees, taxes, or financing costs. You can trust that our 20+ years of combined experience will help you get the E&O insurance you deserve in the quickest amount of time possible.