When it comes to quality general liability & errors and omissions insurance, there’s no better option than EliteMGA. Our clients are our highest priority, and we want you to receive the best E&O insurance you deserve. Whether you’re a home inspector, mold sampler, energy auditor, or mortgage field service professional, the need for professional liability and E&O insurance in Florida is inevitable, so choose EliteMGA with coverage limits ranging from $100,000 up to $1,000,000, and prices starting at $1000 for the home inspector Errors and Omissions and General Liability insurance.

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FL Home Inspection Insurance Minimums

Florida Home Inspection General Liability Insurance Requirements

  • In order to apply for a home inspection license, you are required to submit proof of general liability insurance coverage of no less than $300,000.

Florida Home Inspection E&O Insurance Requirements

  • The state of Florida does not mandate a requirement for home inspector Errors & Omissions Insurance except for Mold Inspectors/Assessors, which are required to maintain $1,000,000 aggregate

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

First and foremost, the state of Florida requires home inspectors to submit proof of general liability insurance coverage of no less than $300k to apply for a home inspection license. Beyond the requirements of the state, carrying home inspector insurance that combines General Liability and Errors & Omissions can not only differentiate you from your competitors but also protect your assets from financial losses, and your business from potential liabilities and lawsuits. Operating as a home inspector in the state of Florida 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 in Florida 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 Florida Home Inspector Insurance?

Our mission at EliteMGA is to provide your home inspection business with the best E&O insurance on the market as well as other important insurances. Our specialized, experienced staff will generate the best possible E&O policy plan for your business’s risk management and individual needs. Whether you’re a sole proprietor or a multi-inspector firm, we tailor our policy to fit your needs. We 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.

Plus, there are no hidden fees, taxes, or financing costs with our program. Our 20+ years of combined experience will help you get the professional liability insurance and E&O insurance you deserve in the quickest amount of time possible.