Insurance for home inspectors.

Errors and omissions, general liability, and the add-ons for radon, mold, pest, and drone work, for home inspectors whose biggest risk is a buyer who says you missed something.

What home inspectors usually carry

Errors and omissions
General liability, $1M / $2M
Drone liability
Hired and non-owned auto
Tools and equipment
Workers’ comp

Watch for these in a home inspector’s policy

Claims-made coverageErrors and omissions pays for claims made while the policy is in force. Keep your retroactive date when you switch, and buy tail coverage when you retire.
Ancillary inspectionsRadon, mold, pest, pool, and sewer scope inspections are often excluded from a basic inspector policy unless they are listed.
DronesGeneral liability excludes aircraft, and most policies treat drones as aircraft. If you fly roofs, you need drone liability.
Damage during the inspectionRunning a dishwasher that then floods the kitchen is a general liability claim, not an errors and omissions one. You need both.
Inspection agreementsSome policies expect a signed pre-inspection agreement on every job. Missing one can weaken your defense, or your coverage.

What agents and brokerages ask home inspectors for

Errors and omissionsBrokerages often want proof of it before adding you to a preferred vendor list.
General liabilityListing agents want it before you run systems in a seller’s home.
Additional insuredSome brokerages and relocation firms ask to be named on your general liability.

Questions home inspectors ask

Straight answers.

The questions we hear most, answered plainly.

Do home inspectors need errors and omissions insurance?

It answers the most common claim: a buyer who says you missed a defect. Some states require it, and most agents expect it either way.

What is a retroactive date?

The date your errors and omissions coverage reaches back to. Keep it when you change policies, or inspections done before the new policy may not be covered.