All licensed home inspectors in Alaska must carry insurance and a bond as part of their registration with the state. These coverages protect your business, your clients, and your professional reputation from claims arising from errors, omissions, or accidents during inspections. At EliteMGA, we provide combined, cost-effective policies tailored to meet Alaska’s insurance requirements and your specific business needs.
Alaska Home Inspector Insurance Requirements
Is General Liability Insurance in the State of Alaska Required?
Yes. Alaska requires home inspectors to maintain insurance and a bond to obtain or maintain registration. Operating without proper coverage exposes your business to financial risk. Carrying insurance ensures compliance with state law and protects your business, reputation, and clients.
Alaska Home Inspectors Insurance Minimums
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General Liability Insurance: $20,000 minimum coverage
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Bond and Other Requirements: Home inspectors must also carry a $5,000 bond
Alaska Home Inspection Licensing Overview
- Regulated: Yes
- License Type: Home Inspector
- Exam: National Home Inspector Examination (NHIE)
- Pre-Licensing Education: Not required, but live virtual education is allowed
- Field Training/Experience: Not required
- License Renewal: Every two years
- Continuing Education: 8 hours per renewal period (4 hours for first-time renewals)
- Rules & Regulations: AS 08.18 and 12 AAC-22
To register, applicants must pass the NHIE, submit a complete application within one year, and meet other eligibility requirements, including criminal background checks. Home inspectors must also provide a written inspection report that remains valid for 180 days and carry insurance and a $5,000 bond.
Choose EliteMGA for Alaska Home Inspector Insurance
At EliteMGA, we specialize in combined General Liability and E&O insurance policies that meet or exceed state minimums. Our experienced agents will:
- Understand your specific business needs
- Ensure compliance with Alaska Home Inspector regulations
- Offer cost-efficient, comprehensive coverage
- Include optional add-ons for specialized services such as radon testing, mold inspections, EIFS/stucco, and more
With EliteMGA, you can conduct inspections confidently, knowing your business is fully protected.