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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.
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
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
Business owner's policy
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.
BEST FOR
- Accidents that injure clients
- Client property damage
- Stolen or damaged business property
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
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
Contractor's tools and equipment insurance
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.
BEST FOR
- Equipment less than five years old
- Mobile equipment, such as a dolly or ramp
- Small tools like tape measures and screwdrivers
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 business insurance cost for home inspectors?
A home inspector who works independently can expect to pay less for insurance than a larger company.
Factors that affect premiums include:
- Inspection services offered
- Business property and equipment
- Business income
- Types of insurance purchased
- Policy limits and deductibles
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:
- Complete a free online application
- Compare insurance quotes and choose policies
- Pay for your policy and download a certificate
Our licensed insurance agents work with top-rated U.S. providers to find the most affordable coverage that fits your home inspection business, whether you work independently or hire employees.
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