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Liability Insurance for Home Inspectors

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.
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Desired Classes

We will consider many individual residential home inspectors or home inspection firms, including inspectors with no experience (and new ventures). We can write coverage in all states except Delaware and the District of Columbia.

Enhancements

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)

Premiums

  • Minimum premium: $1,545
  • Deductibles available from $0 up to $5,000 (varies per state)

Underwriting Requirements

  • A completed and signed ProgramConnect application
  • 5 years currently valued loss history
  • Resumes for any inspector with less than three years of experience
  • Use of a pre-inspection contract required

Program Details and Underwriters

RSC Solutions’ ProgramConnect streamlines and accelerates the submission process: Choose the coverages your client 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.