Business Insurance for Home Inspectors

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Home Inspection

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An injury or other accident during a home inspection could be costly. Protect your business and gain peace of mind with home inspector insurance.

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What types of business insurance do home inspectors need?

These policies provide coverage for the most common home inspector risks.

General liability insurance

This policy covers basic risks such as client injury or property damage during an inspection. Bundle with property insurance for savings in a business owner’s policy.

BEST FOR

Slip-and-fall accidents
Damaged customer property
Product liability insurance

Workers’ compensation insurance

This policy is required in almost every state for home inspection businesses that have employees. It covers medical costs for work-related injuries and illnesses.

BEST FOR

Employee medical expenses
Missed wages
Employee injury lawsuits

Commercial auto insurance

This policy covers legal costs and damages if a vehicle owned by a home inspection company gets into an accident. It can also cover weather damage, vandalism, and theft.

BEST FOR

Car accidents
Vandalism and theft
Weather damage

Professional liability insurance

Professional liability insurance for home inspectors, also called errors and omissions insurance (E&O), can cover legal costs related to the quality of your work.

BEST FOR

Failure to notice a construction defect
Accusations of negligence
Work errors and oversights

Looking for different coverage? See more policies.

Why do home inspectors need insurance?

Home inspectors often need to examine every inch of a home from the roof to the crawl space. It can be dangerous for you and your clients, who might follow you up a ladder or onto rotten planking. Business insurance for home inspectors can pay legal, medical, and property repair bills in the event of an accident or lawsuit.

How much does insurance cost for construction and contracting professionals?

Man in construction vest and helmet calculating insurance costs.

Several factors will have an impact on insurance costs, including:

The type of services offered
Business equipment and property
Revenue
Location
Number of employees

View Costs

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