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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One application, multiple quotes

Insureon helps home inspectors compare insurance quotes from top U.S. carriers online. Get several quotes with one application.

What types of business insurance do home inspectors need?

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

General liability insurance icon

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.

  • Slip-and-fall accidents
  • Damaged customer property
  • Product liability insurance
Workers’ compensation insurance icon

Workers’ compensation insurance

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.

  • Employee medical expenses
  • Missed wages
  • Employee injury lawsuits
Commercial auto insurance icon

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.

  • Car accidents
  • Vandalism and theft
  • Weather damage
Professional liability insurance icon

Professional liability insurance

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

  • 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 and energy consultants 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 businesses?

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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