All licensed home inspectors in Arkansas must carry general liability insurance to operate legally in the state. Under the Arkansas Home Inspector Registration Act, inspectors must procure at least $100,000 in general liability insurance to register with the Secretary of State. EliteMGA provides combined, cost-effective E&O and General Liability policies that meet Arkansas state requirements while protecting your business from claims, lawsuits, and unexpected inspection-related risks.
Arkansas Home Inspection E&O Insurance Requirements
Arkansas Home Inspectors Insurance Minimums
Home Inspector General Liability Insurance Requirements in Arkansas
To be registered as a home inspector in Arkansas, you must carry a minimum of $100,000 in general liability insurance. This coverage is required under the Arkansas Home Inspector Registration Act and is essential for licensing and ongoing compliance.
For more information on becoming a home inspector in Arkansas, visit InterNACHI’s AR Home Inspector resource page.
Is E&O Insurance for Home Inspectors in Arkansas Required?
While Arkansas law specifically requires $100,000 in general liability insurance, carrying both Errors & Omissions (E&O) and General Liability provides the most complete protection. General Liability typically covers slip-and-fall incidents or property damage (e.g., a broken garage door or falling ladder). E&O protects you from claims related to missed defects, reporting errors, or buyer disputes.
Home inspections come with inherent risk, and even a small oversight can lead to costly claims or legal defense expenses. With EliteMGA, you can combine both GL and E&O coverage into one comprehensive, cost-effective policy designed to safeguard your business.
Arkansas Home Inspection Requirements
- Home Inspection Regulated: Yes
- License Type: Home Inspector
- Regulating Body: Arkansas Home Inspector Registration Board
- Required Exam: NHIE + ASHI Standards of Practice
- Pre-Licensing Education: 80 hours (classroom only; no virtual or self-paced)
- Field Training: Required
- License Renewal: Annually
- Continuing Education: 14 hours (8 classroom, 6 online allowed)
- Mandatory Insurance: At least $100,000 General Liability
Arkansas Home Inspector Registration (Act 1328 of 2003)
All inspectors must register with the Secretary of State, adhere to ASHI Standards of Practice, and carry $100,000 GL coverage. Repairs on inspected properties are prohibited for 12 months.
Why Should I Choose EliteMGA for Arkansas Home Inspector Insurance?
At EliteMGA, we specialize in providing home inspectors with the best E&O and General Liability insurance available. Our experienced team helps you:
- Understand your business risk and coverage needs
- Ensure compliance with Arkansas’s insurance requirements
- Build a cost-efficient, tailored insurance policy
- Add optional endorsements for specialized services such as Radon, Lead paint, Termite/WDI/WDO, Septic & water testing, EIFS/stucco, Mold sampling, Infrared inspections, Indoor air quality, Rodent inspections, Pool & spa, Green building inspections
At EliteMGA, you’ll never encounter hidden fees, taxes, or financing costs. Our 20+ years of combined experience ensure fast, dependable protection for your inspection business.