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. Home inspector insurance covers lawsuits, injuries, and property repairs if there's an accident.
Insureon helps home inspectors find insurance that matches your unique risks.
Get free expert advice and peace of mind knowing you have the right property and liability coverage for your small business.
These insurance policies cover the most common risks of home inspection.
General liability covers basic risks, such as a homeowner tripping on a ladder and falling. Bundle with commercial property insurance for savings in a business owner’s policy (BOP).
A BOP bundles general liability coverage and commercial property insurance at a discount. It's often the most cost-effective type of insurance for home inspectors.
Most states require workers’ comp for home inspection businesses that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.
This policy covers legal costs and damages if a vehicle owned by a home inspection company gets into an accident. Each state has its own auto liability insurance requirements.
This business insurance policy helps pay for repair or replacement of a home inspector's flashlights, ladders, thermometers, gas detectors, and other tools. It's a type of inland marine insurance.
This insurance coverage for home inspectors and other professional services can pay for legal costs related to the quality of your work. It's also called errors and omissions insurance (E&O insurance).
A small business with a few workers will pay less for insurance than a large company.
Factors that affect premiums include:
It's easy to get business insurance for home inspectors and energy consultants if you have your company information on hand. Our application will ask for basic facts about your company, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:
Our licensed insurance agents work with top-rated U.S. providers to find coverage that fits your home inspection business, whether you work independently or hire employees.