When it comes to reliable General Liability and Errors & Omissions (E&O) insurance for home inspectors in California, EliteMGA delivers unmatched expertise and value. With 30+ years of combined experience, our dedicated team helps you understand your business risks, regulatory landscape, and the best coverage to protect your inspection company.

While California does not require home inspectors to carry insurance, the state does enforce a Trade Practice Act that outlines ethical standards and defines the required standard of care for inspections. Whether you’re a home inspector, mold sampler, energy auditor, or mortgage field service professional, carrying proper insurance is essential to protect your business from claims, litigation, and unexpected financial loss.

At EliteMGA, your home inspector Errors and Omissions and General Liability insurance will be combined into one cost-efficient and effective policy – built for California’s unique industry landscape.

California Board

California Home Inspectors Insurance Minimums

While the state of California does not currently require home inspectors to maintain insurance, per the state, California home inspectors must adhere to Chapter 338 of the California Trade Practice Act.

For more information on becoming a home inspector in California, visit InterNACHI’s CA Home Inspector resource page.

Is E&O Insurance for Home Inspectors in California Required?

California does not mandate E&O or General Liability insurance for home inspectors. However, carrying both is strongly recommended. Even without state requirements, inspectors still face:

  • Allegations of missed defects
  • Claims of negligence
  • Contract disputes
  • Buyer misunderstandings or remorse
  • Costly legal defense expenses

E&O insurance protects your reputation, your assets, and your business from these risks—while helping you stand out from uninsured competitors.

EliteMGA provides fast certificates of insurance, responsive service, and comprehensive coverage options tailored to inspectors across California.

Why Should I Choose EliteMGA for California Home Inspector E&O Insurance?

At EliteMGA, we are dedicated to providing your home inspection business 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’s risk management and individual needs to construct the best possible insurance policy. Whether 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 business insurance coverages 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 30+ years of combined experience will help you get the E&O insurance you deserve in the quickest amount of time possible.