Insurance for Home Inspectors

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Better, Regardless of Your Size

  • Get them even before you start inspecting

  • We protect those who protect the home, so get a quote today

  • Inspect your insurance in a quick, easy and cheap way

  • When you're inspecting homes, we're inspecting quotes; start today

Coverage Plans for All Your Needs

For Home Inspectors there is a possibility of oversights during your work, improper advice and more, so we have the coverage to help keep you out of court.

BASIC

Essential coverage to meet client demands


General Liability

From
39
Month
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Includes:

  • Coverage against claims from bodily injury, property damage and personal injury
  • Coverage for products/completed operations

STANDARD

Required coverage to operate


General Liability + Erros & Omissions (E&O)

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All Basic plan benefits and:

  • Professional negligence
  • Retroactive claims (previous contracted work)
  • Subcontractor errors

PRO

Protect your essential business equipment


General Liability + E&O + Commercial Auto

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All Standard plan benefits and:

  • Coverage against claims from 3rd party bodily injury and property damage
  • Physical damage protection with comprehensive and collision coverage

CUSTOM

When you have specific requirements


Add as many coverages as you need

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ALREADY INSURED?

We will take care of the switching hassle.

Call us at (646) 844--9933 for help and more information

We've Got You Covered with Coverage You Need

Home inspectors spend a great deal of time on client’s property and in their homes. This leaves a risk of potential damage to property, injury to yourself and your employees and possible injury to your clients during your work. Next to Errors & Omissions there are more insurance coverages to consider:

Act Now, Get Protected Easily, Quickly and Affordably

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Get a free quote, all you need to enter is your zip code to get started.

Or call (646) 844--9933 anytime.

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Frequently Asked Questions

Do home inspectors carry insurance?

Many states require home inspectors to carry certain types of coverage and minimum limits for liability. An insurance is designed to protect you from unintended circumstances that result in losses, or hardship of your clients and your business.

What is ASHI certified?

American Society of Home Inspectors (ASHI) certified is the highest level of certification a home inspector business can receive. These are the only true 3rd-party certified inspectors in the industry, and are accredited by the National Commission for Certifying Agencies (NCCA).

Is Workers Compensation necessary for home inspectors?

Yes. Even though there are instances where home inspectors can be exempted from Workers' Compensation, there are claims and liabilities in which a health insurance would not be able to cover.

How much does it cost to insure a home inspector business?

The cost of a home inspector insurance will vary on specific factors. The cost will depend on the type of insurances your business needs. For instance, a General Liability insurance will cost around $500 annually.

Why does a Home Inspector need insurance?

Home inspectors work closely with buyers in the process of purchasing a new home. They count on you to thoroughly inspect a home, identify any potential problems, and deliver the findings. Buyers rely on your recommendations to determine if they should continue with the purchase. If you miss something critical, it can result in a lawsuit months after the home inspection is complete. Home inspector insurance is beneficial because it protects you during these costly scenarios. Individuals working in building inspection inspect and evaluate a property and report on its condition. They do this for real estate transaction purposes.

What risks could Home Inspectors face?

There are many risks you face each day that result in a lawsuit or unwanted expenses to your home inspection business including:

  • Property Damage: It’s common for home inspectors to move items during an inspection or use heavy equipment. If your ladder crashes and breaks the glass on a homeowner’s cabinet or you flood the bathroom during a routine water inspection, you’ll be held responsible for the damages.
  • Oversights: It’s hard to document every finding without going overboard. If you fail to notice certain pests or potential mold and the buyer ends up with a significant bill, as a result, later, they can file a lawsuit for negligence.
  • Auto Accidents: It’s impossible to complete a home inspection anywhere but at the home. If you use your personal vehicle to travel to job sites and cause an accident, your personal auto policy won’t cover the expenses.
  • Damaged Equipment: Specialized tools make it possible to complete home inspections efficiently. If these tools are stolen, broken, or damaged, expenses to replace them can add up in addition to lost revenue while they are unusable.

Peace of Mind, At Your Fingertips

CoverWallet utilizes state of the art technology to help small businesses understand and buy customized coverage, get significant savings and conveniently manage their insurance, in a matter of minutes, all through our online platform.

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I was extremely satisfied with all services and communications with customer support. I would definitely recommend to others. Thank you CoverWallet!

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