When it comes to high-quality general liability and errors & omissions insurance, EliteMGA provides home inspectors in Maryland with coverage designed specifically for the industry. Whether you perform home inspections, mold sampling, energy audits, or specialty environmental services, the risks are real—and the right insurance protects your business and your clients. EliteMGA offers coverage limits ranging from $100,000 to $1,000,000, with competitive pricing for combined E&O and General Liability policies.
Maryland Home Inspection E&O Insurance Requirements
Maryland Home Inspection Insurance Minimums
Maryland Home Inspection General Liability Insurance Requirements
To obtain a home inspection license in Maryland, inspectors are required to carry at least:
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$150,000 in General Liability Insurance
This coverage is mandatory for all licensed home inspectors.
Maryland Home Inspection E&O Insurance Requirements
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Errors & Omissions Insurance is not required by the state of Maryland.
However, many inspectors choose to carry E&O coverage for added protection, as it covers claims related to errors, omissions, or professional mistakes not included under General Liability policies.
Is E&O Insurance for Home Inspectors in Maryland Required?
While Maryland only mandates $150,000 in General Liability Insurance, adding E&O coverage provides critical protection that GL insurance does not. Disputes can arise even when you perform a thorough inspection, and legal defense costs can be substantial. A combined GL + E&O policy helps protect your business from claims, lawsuits, and unexpected financial loss.
Why Should I Choose EliteMGA for Maryland Home Inspector E&O Insurance?
EliteMGA specializes in insurance solutions built exclusively for home inspectors. Our team uses decades of industry experience to create tailored insurance policies that match your services and risk profile. Specialty coverages are available for:
- Radon testing
- Mold sampling
- WDI/WDO termite inspections
- Infrared thermography
- Pool & spa inspections
- EIFS/stucco inspections
- Septic & water testing
- Indoor air quality testing
- Green building inspections
- Rodent and pest assessments
…and more.
We provide flexible options for both sole inspectors and multi-inspector firms, ensuring you receive protection that fits your business.