When it comes to quality insurance for home inspectors in Louisiana, there’s no better option than EliteMGA. Our clients are our highest priority. With over 30+ years of combined experience, our knowledgeable and friendly insurance agents work with you to understand your business risks and provide the most effective coverage. Whether you’re a home inspector, mold sampler, energy auditor, or mortgage field service professional, the need for superior liability insurance in Louisiana is essential.

At EliteMGA, your home inspector Errors & Omissions (E&O) and General Liability (GL) insurance can be combined into one cost-efficient and comprehensive policy.

Louisiana

Louisiana Home Inspectors Insurance Minimums

Louisiana law requires home inspectors to carry the following insurance:

  • Errors & Omissions Insurance: $300,000 per year, maximum deductible $5,000
  • General Liability Insurance: $300,000 per year, maximum deductible $5,000
  • Certificate of Insurance: Must be provided to the Louisiana State Board of Home Inspectors

Carrying both E&O and General Liability insurance protects your business, your assets, and your clients. These coverages are especially important given the potential liabilities inherent in the home inspection profession.

Why E&O and General Liability Insurance is Important in Louisiana

Even if insurance were optional, protecting your business with the proper coverages is the smart choice. E&O insurance safeguards you against claims of negligence, errors, or omissions, while General Liability insurance covers physical damages or injuries that may occur during inspections.

Without these coverages, home inspectors are exposed to potentially costly lawsuits and legal defense expenses. By combining E&O and GL insurance, you not only meet state requirements but also gain peace of mind knowing your business is protected against unforeseen risks.

Why Choose EliteMGA for Louisiana Home Inspector Insurance

At EliteMGA, we specialize in providing home inspector insurance tailored to your specific needs. Our experienced team understands the unique risks associated with home inspections and can customize your coverage for:

  • Radon, lead paint, and pest inspections
  • Pool & spa, septic, and water testing
  • Indoor air quality testing, EIFS/stucco inspections
  • Infrared thermography, mold sampling, rodent inspections
  • Green building inspections, and more
  • EliteMGA combines these specialty coverages with Errors & Omissions and General Liability insurance for a streamlined, cost-effective solution.

With our expertise, you can get the coverage you need quickly, without hidden fees, taxes, or financing costs.

At EliteMGA, we are committed to supplying you with the best home inspector insurance coverage. Our insurance is created by home inspectors for home inspectors. We own the industry’s first and only insurance carrier solely devoted to the home inspection industry, EliteRE. We create the best possible insurance package to meet your needs as a home inspector in Louisiana. Our specialized and knowledgeable team will collaborate with you to consider your business’s risk management, protect you from financial losses, service offerings, employees, and individual needs.