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Lexington Home Inspectors Program

 Home Inspectors Program


Home Inspectors Liability Insurance protects home

inspectors in claims arising from allegations of

wrongful acts, errors, and omissions in residential

real estate inspections and commercial inspections

including apartments/condominiums, offices, or

services (except restaurants) where the inspected

building is less than 100,000 square feet in area. The

program can also include premises liability

insurance. Get your Quote with Elite MGA and Lexington  now CLICK HERE

Desired Classes

Many individual residential home inspectors or

home inspection firms can be considered, including

inspectors with no experience and new ventures.

Coverage can be written in all states except

Delaware and the District of Columbia.


Coverage can be expanded to include:

– Premises liability insurance — matching limits up

to $1,000,000 are available for premises liability

(subject to policy deductible)

– Radon inspections with sub-limits to $100,000

(subject to a $3,000 deductible)

– Termite inspections with sub-limits to $250,000

(subject to a $5,000 deductible)

– Protection extending coverage to entities that

commonly refer inspectors to customers, e.g.,

real estate brokers

– Limited carbon monoxide coverage amendatory

endorsement — sub-limits to $100,000 (subject

to $3,000 deductible)

– Pool and spa coverage (subject to policy limits

and deductibles)

– Septic and water purification testing

endorsement — sub-limits to $250,000 (subject

to $5,000 deductible)

– Limited exception to fungus and mold exclusion

with sub limits of $100,000 (subject to a $5,000

policy deductible)

– Limited exception to lead or lead by-products

exclusion with sub limits of $100,000 (subject to

a $5,000 policy deductible)


– Minimum premium: $1,545

– Deductibles available $0 up to $5,000 (varies per state)

Underwriting Requirements

– A completed and signed ProgramConnect


– 5 years currently valued loss history

– Resumes for any inspector with less than three

years of experience

– Use of a pre-inspection contract required

RSC Solutions’ ProgramConnect streamlines and accelerates the submission process: Choose the coverages your clinet needs and complete only those application sections.

to comply with state and local licensing requirements. Coverage is underwritten by Lexington Insurance, with the sound financial strength and flexibility brokers and insureds can count on. Lexington Insurance Company, a Chartis Company, is the leading U.S.-based surplus lines insurer.RSC Solutions is a division of Risk Specialists Companies Insurance Agency, Inc. (RSCIA). RSCIA, a Chartis company, is a premier broker of specialty property-casualty and personal lines insurance. Chartis is the marketing name for the worldwide property-casualty and general insurance operations of Chartis Inc.  All products are written by insurance company subsidiaries or affiliates of Chartis Inc. Coverage may not be available in all jurisdictions and is subject to actual policy language. Non-insurance products and services may be provided by independent third parties. Certain coverage may be provided by a surplus lines insurer. Surplus lines insurers do not generally participate in state guaranty funds and insureds are therefore notprotected by such funds.