All licensed home inspectors in Arizona are required to carry Errors & Omissions (E&O) insurance with a minimum of $100,000 per occurrence and $200,000 aggregate. At EliteMGA, we provide combined General Liability and E&O insurance policies designed to meet Arizona’s state requirements while protecting your business, clients, and professional reputation. Our experienced agents guide you in selecting the right coverage for your home inspection services.
Arizona Home Inspection E&O Insurance Requirements
Arizona Home Inspectors Insurance Minimums
Arizona Home Inspector Errors and Omissions Insurance Requirements
Licensed home inspectors in Arizona must maintain:
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$100,000 per occurrence E&O insurance
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$200,000 aggregate E&O insurance
This coverage satisfies the Arizona State Board of Technical Registration (BTR) financial assurance requirement and protects you from claims arising from errors, omissions, or mistakes during inspections.
Is E&O Insurance for Home Inspectors in Arizona Required?
Yes, Arizona law mandates that all certified home inspectors maintain E&O insurance at the state minimums to apply for or maintain an active license. Carrying both General Liability and E&O insurance ensures compliance with state law and safeguards your business, clients, and reputation from potential liability claims.
Arizona Home Inspection Licensing Requirements
The Arizona State Board of Technical Registration (BTR) regulates home inspectors under Title 32, Chapter 1 (enacted 2002). To become certified, applicants must:
- Complete 84 hours of pre-licensing education (live or self-paced allowed)
- Pass the National Home Inspectors Examination through PSI
- Complete 30 parallel home inspections under supervision
- Maintain one of the following financial assurances:
- E&O insurance ($100,000 per occurrence / $200,000 aggregate), or
- $25,000 bond, or
- Alternate financial assurance approved by the BTR valued at $25,000 or more
License renewal is annual, and continuing education is not required.
Why Should I Choose EliteMGA for Arizona Home Inspection E&O Insurance?
At EliteMGA, we specialize in providing Arizona home inspectors with combined General Liability and E&O insurance policies that meet or exceed state minimums. Our agents will:
- Understand your specific business needs
- Ensure compliance with Arizona BTR regulations
- Offer cost-efficient, comprehensive coverage
- Include optional add-ons for specialized inspections such as radon, mold, EIFS/stucco, pool & spa, and more
Operating without proper insurance exposes your business to financial risk. With EliteMGA, you can conduct inspections confidently, knowing your business is protected.