When it comes to quality general liability insurance for home inspectors in North Carolina, there’s no better option than EliteMGA. Our clients are our highest priority, and our knowledgeable and friendly insurance agents will work with you to understand your business’s specific needs to ensure you are armed with the best General Liability insurance policy on the market. Whether you’re a home inspector, mold sampler, energy auditor, or mortgage field service professional, the need for superior liability insurance in North Carolina (NC) is inevitable. At EliteMGA, your home inspector Errors and Omissions and General Liability insurance will be combined into one cost-efficient and effective policy.

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North Carolina Home Inspectors Insurance Minimums

NC Home Inspector General Liability Insurance Requirements

  • As a home inspector in North Carolina, you are required to carry a minimum of $250,000 in General Liability insurance.

NC Home Inspector Errors & Omissions Insurance Requirements

The state of North Carolina requirements home inspectors to obtain one of the following three options:

  1. Minimum net assets in an amount determined by the Board, ranging from $5,000 to $10,000
  2. A bond in an amount determined by the Board, ranging from $5,000 to $10,000.
  3. Errors and Omissions insurance in the amount of $250,000

Is E&O Insurance for Home Inspectors in North Carolina Required?

First and foremost, the state of North Carolina requires home inspectors to carry a minimum of $250k of General Liability insurance to procure or maintain an active license. In addition, home inspectors must obtain the three listed options above, one of which includes $250,000 in Errors and Omissions insurance. 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 and business from potential liabilities and lawsuits. Operating as a home inspector 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 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 North Carolina Home Inspector E and O Insurance?

At EliteMGA, we are dedicated to providing you 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 and individual needs in order to construct the best possible insurance policy. Regardless if 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 coverage 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.