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Why do building inspectors need business insurance?
Building inspectors make sure buildings are safe, which means you could be held liable if someone gets hurt. Business insurance can cover legal costs and other financial losses from injuries, property damage, and professional mistakes. Some policies may be required by landlords, lenders, or state laws.
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What types of insurance do building inspectors need?
These insurance policies cover common risks faced by building inspectors.
General liability insurance
A general liability policy covers basic third-party risks, such as a client who trips and breaks an ankle during a building inspection. It's often required for a commercial lease.
BEST FOR
- Slip-and-fall accidents
- Damaged customer property
- Libel and other advertising injuries
Business owner’s policy
A business owner’s policy, or BOP, is a cost-effective way for building inspectors to purchase commercial property insurance and general liability coverage together.
BEST FOR
- Customer bodily injuries
- Damaged customer property
- Business property damage and theft
Professional liability insurance
This policy can cover legal costs in disputes related to a building inspector's work performance. It’s also called errors and omissions insurance or E&O insurance.
BEST FOR
- Failure to notice termites or other issues
- Professional negligence
- Zoning or regulatory oversights
Workers’ compensation insurance
Most states require workers’ comp for building 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
Cyber insurance
This policy helps building inspectors recover from a data breach or cyberattack. It's strongly recommended for any small business that handles sensitive information.
BEST FOR
- Client notification expenses
- Fraud monitoring services
- Data breach investigations
Commercial auto insurance
This policy helps cover the cost of property damage and injuries in an accident involving a building inspector's vehicle. Each state has its own requirements for auto liability insurance.
BEST FOR
- Property damage caused by your vehicle
- Bodily injuries from an auto accident
- Vehicle theft and vandalism
Looking for different coverage? See more policies.
How much does building inspector insurance cost?
A small business with a few building inspectors will pay less for insurance than a larger company.
Factors that affect pricing include:
- Services offered, such as real estate or commercial building inspection
- Business property and equipment
- Business income
- Types of insurance purchased
- Policy limits and deductibles
How do I get building inspector insurance?
It's easy to get building inspector insurance coverage and surety bonds 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
Insureon's licensed agents work with top-rated U.S. insurers to find coverage that fits your building inspection business, whether you work independently or hire employees.
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