EliteMGA provides Massachusetts home inspectors with high-quality Errors & Omissions and General Liability insurance designed specifically for the inspection industry. Whether you perform standard home inspections or offer additional services like mold sampling, radon, or environmental testing, we build customized insurance policies that protect your business and meet Massachusetts licensing requirements.
Massachusetts Home Inspection Insurance Requirements
Massachusetts Home Inspectors Insurance Minimums
Errors & Omissions Insurance Requirements (Required)
Massachusetts requires all licensed home inspectors and associate home inspectors to carry:
-
At least $250,000 in Errors & Omissions (E&O) insurance
This minimum applies to both Associate Home Inspectors and fully licensed Home Inspectors as a condition of licensure.
General Liability Insurance Requirements (Not Required by the State)
-
General Liability insurance is not required by Massachusetts law.
However, most inspectors choose to carry GL coverage because it protects against bodily injury, property damage, and accidents occurring during the inspection.
Is E&O Insurance for Home Inspectors in Massachusetts Required?
Yes — Massachusetts requires both home inspectors and associate home inspectors to carry at least $250,000 in Errors & Omissions insurance.
This coverage protects you against claims related to professional errors, missed defects, or inspection oversights.
While General Liability is not required, adding GL coverage is strongly recommended because it protects your business from accidental property damage or bodily injury during inspections.
Carrying both E&O and GL coverage not only reduces risk but also increases your credibility and competitiveness in the Massachusetts real estate market.
Why Should I Choose EliteMGA for Massachusetts 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 in order 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 20+ years of combined experience will help you get the E&O insurance you deserve in the quickest amount of time possible.