When it comes to quality general liability insurance for home inspectors in Ohio, 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 Errors & Omissions 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 Ohio is inevitable. At EliteMGA, your home inspector Errors and Omissions and General Liability insurance will be combined into one cost-efficient and effective policy.

ohio board

Home Inspectors Insurance Minimums in Ohio

Home Inspection General Liability Insurance Requirements in OH

  • Ohio requires every licensed home inspector to maintain a comprehensive general liability insurance policy or a commercial general liability insurance policy.
  • Coverage Limits: $100,000 per occurrence and $300,000 aggregate limit
  • The home inspector’s insurance policy must cover the loss, damage, or expense resulting from an act that occurred while the home inspector was inspecting the location.

Home Inspection E&O Insurance Requirements in OH

  • As a home inspector in Ohio, you are not required to carry Errors and Omissions Insurance unless you perform termite/wood destroying insect inspections. If these inspections are performed, $100k of E&O coverage is required with the Ohio Department of Agriculture listed as a certificate holder.

Why Do I Need E&O Insurance for Home Inspectors in Ohio?

While the state of Ohio does not require home inspectors to carry General Liability insurance, protecting yourself, your business and assets by carrying the proper insurance is the prudent thing to do.

Beyond the requirements of the state, carrying home inspector insurance that combines General Liability and Errors & Omissions can not only differentiate yourself from your competitors but also protect your assets and business from potential liabilities and lawsuits. Operating as a home inspector in the state of Ohio 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 Ohio 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 Ohio Home Inspector E&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.