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Home Inspectors

Program Target Description:  Home Inspectors Professional Liability Program

Program Target:  

  • Target Risks:   Home inspectors, predominantly residential (not more than 25% commercial).  Will consider new ventures with adequate building construction experience; also energy auditors/raters.
  • Ineligible Risks:  Insureds performing code inspections, wind mitigation inspections.
  • Geographic:   All states.

Why work with our program administrator:

  • More than 20 years of experience in the real estate professional liability field.  
  • Service!  48-hour turnaround on inquiries, quotes (assuming completed application), policy issuance.
  • Service with a human touch—

Coverages & Limits Available:

  • Admitted or Non-Admitted:  Non-Admitted
  • Professional Liability – Limits from $100,000 to $1,000,000.  Extension of coverage for disciplinary matters.
  • Optional Coverage Endorsements – Carbon Monoxide; Wood Destroying Organisms (termite and others); Radon or Natural Gases; Swimming Pool, Hot Tub or Spas; Lead or Lead By-Products; Septic and Water Purification Testing; Premises Liability (during performance of a home inspection); Additional Insured – Grantor of Franchise); Personal Identity Coverage.

Submission Requirements:

  • Program specific application and claim supplement, if applicable.
  • Copies of licenses, if licensed by state.
  • Copy of pre-inspection agreement.
  • Currently valued loss runs, if prior coverage.
  • Resume or experience summary for new ventures.

Broker Requirements:

  • Program administrator producer form.
  • Licenses in jurisdictions where broker operates.
  • Proof of errors and omissions insurance (minimum limit $1,000,000)