When it comes to quality insurance for home inspectors in Washington, 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 will work with you to understand your business’ risks and the best way to cover those exposures.  We will guide you in making an informed decision to best protect your business and we are familiar with the WSDA requirements. Whether you’re a home inspector, mold sampler, energy auditor, or mortgage field service professional, the need for superior liability insurance in Washington (WA) is inevitable. At EliteMGA, your home inspector Errors and Omissions and General Liability insurance will be combined into one cost-efficient and effective policy.

Washington board

Home Inspectors Insurance Minimums in WA

***The following requirements for Home Inspector Insurance in Washington applies ONLY to Pest Inspectors.

Home Inspector General Liability Insurance Requirements in Washington

The State of Washington requires home pest inspectors to obtain one of the following:

  1. $25,000 Surety Bond covering inspections done up to 2 years after the fact
  2. $12,500 Surety Bond covering inspections done up to 2 years after the fact, plus $25,000 non-occurrence based E&O
  3. $25,000 Assigned Account held by the Washington Department of Agriculture

Home Inspection E&O Insurance Requirements in Washington

  1. $25,000 Minimum Aggregate covering 2 years after the date of your last inspection

For more information on becoming a home inspector in Washington, visit InterNACHI’s WA Home Inspector resource page.

Is E&O Insurance for Home Inspectors in Washington Required?

First and foremost, the state of Washington requires home pest inspectors to carry one of the aforementioned errors and omission or general liability insurance coverages to procure or maintain an active license. Beyond the requirements of the state, protecting your assets by carrying the proper insurance is the prudent thing to do. E&O insurance will protect you and your business from possible liabilities, your company’s reputation, and long extensive lawsuits. Remember, a lawsuit caused by an unfounded error or omission allegation is a time-consuming nuisance. Unfortunately, Home Inspectors can’t predict the behavior of a home buyer who is making the biggest investment of his or her life. So, don’t set yourself up for a financial burden because you don’t have reliable E&O protection. Have EliteMGA service your E&O insurance needs.

Why Should I Choose EliteMGA for Washington 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 30+ years of combined experience will help you get the E&O insurance you deserve in the quickest amount of time possible.