Business Insurance for Home Inspectors

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Home Inspection
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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. Home inspector insurance covers lawsuits, injuries, and property repairs if there's an accident.

Home inspector examining a crack in a home's foundation
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Find the right coverage

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.

What types of business insurance do home inspectors need?

These insurance policies cover the most common risks of home inspection.

General liability insurance icon

General liability insurance

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).

BEST FOR
  • 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.

BEST FOR
  • Employee medical expenses
  • Disability benefits
  • 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. Each state has its own auto liability insurance requirements.

BEST FOR
  • Property damage caused by your vehicle
  • Medical payments for bodily injuries
  • Vehicle vandalism and theft
Professional liability insurance icon

Professional liability 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).

BEST FOR
  • Failure to notice a construction defect
  • Accusations of negligence
  • Work errors and oversights
Looking for different coverage? See more policies.

How much does construction and contracting business insurance cost?

Man in construction vest and helmet calculating insurance costs.

A small business with a few workers will pay less for insurance than a large company.

Factors that affect premiums include:

  • Inspection services offered
  • Business property and equipment
  • Business income
  • Types of insurance purchased
  • Policy limits and deductibles
View Costs

How do I get home inspection business insurance?

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:

  1. Complete a free online application
  2. Compare insurance quotes and choose policies
  3. Pay for your policy and download a certificate

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.

What our customers are saying
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"I had an urgent contractual requirement for insurance in December to pay before the end of the year. Holly Burton worked with The Hartford to send me an invoice around Christmas. I have saved hundreds in taxes."
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"The response time was almost immediate. The options I was given were based on my company's needs. I received the policy in record time."
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