E&O Insurance for Home Inspectors

Throughout the industry, home inspector insurance rates are becoming lower and more affordable; however, many carriers are raising their rates on their loyal, paying customers.

At Elite InspectInsure, we are committed to our clients. We are constantly striving to offer the most up-to-date, varied coverage we possibly can without raising our rates. Our home inspectors work hard, and we believe that they deserve personalized coverage for their work without paying an arm and a leg.

Lawsuits Against Home Inspectors Can and Do Happen

While a home inspector may simply be doing his or her job, lawsuits can be brought up for all kinds of different reasons. Recently, a family in New Jersey sued a home inspection company after their newly purchased home turned out to have unstable flooring, a leaky roof, and bad wiring. The case settled for $37,000. Given the fact that more than half of home inspectors are sole proprietors, this kind of lawsuit can be devastating. That’s where e&o insurance for home inspectors comes in.

Home Inspector E&O Insurance

Our competitive rates and benefits are outlined below.

Discounts Given For:

  • Accredited Association Memberships
  • Education Participation
  • Holding Additional Licenses (electrical, contracting, plumbing, HVAC, industry relevant)
  • Software Use
  • Technology/Equipment Use (Cameras, etc)

Our E&O Insurance and General Liability Insurance Policies

E&O Insurance – An errors and omissions insurance policy will provide your company, your employees, and you with protection against lawsuits or claims that are based on omissions or mistakes made in your inspection which resulted in financial damages for the client. The policy can even be prepared to provide protection from fees charged by attorneys or a settlement amount if you are determined to be guilty of an error or omission. Learn more about e&o insurance here.

General Liability InsuranceClick here to learn more.


  • Termite/pest – If you miss subtle damage to a home caused by pests or termites that is discovered later on.
  • Commercial – If you inspect a commercial building rather than a home.
  • Radon – If your tests for radon gases  are somehow ineffective, whether it’s due to your device malfunctioning or some other margin of error.
  • Lead paint – If an older home still contains lead paint in some capacity and you miss it during your inspection.
  • Pool/spa – If a home you are inspecting has a pool or spa, and your inspection fails to uncover issues in the pool’s decks, steps, interior finish, cleaning system, diving boards, or other features.
  • EIFS/Stucco – If you inspect a home built with exterior materials that are prone to moisture, like EIFS or Stucco, and there are errors in your testing.
  • Indoor Air Quality Testing
  • Green Building Inspections – Inspecting green buildings involves an entire additional set of criteria.
  • Infrared Thermography – Infrared technology can help you immensely with your home inspections, but it can also open you up for potential errors.
  • Rodent Inspections – If there is rodent damage in a home, or signs of an infestation that make themselves more prominently known later on.
  • Mold
  • Septic/Water testing – Water and septic systems vary in complexity, which makes it sometimes easy for small errors to slip through.

home inspectors performing a task can feel more protected with e&o insurance for home inspectors.

Our Home Inspector Program Highlights

  • Over 10 years’ experience insuring home inspectors
  • No frivolous membership, agency, or broker fees
  • “A” rated, admitted insurance carrier
  • Excellent claims management with specialized legal counsel
  • Flexible payment options

How Much Will an Elite InspectInsure Insurance Package Cost You?

Prices for home inspector E&O insurance for residential inspectors will vary based on specific factors. The policy should be tailored to your business and needs to have at least the following details:

  • The deductible for each type of liability
  • The total dollar amount that will be paid for each liability type
  • A services section that itemizes the type of services you offer in detail
  • An explanatory section detailing the nature of the policy i.e. “This policy applies to errors, omissions or negligent acts in the course of providing or failing to provide professional services.”
  • The deductible that needs to be paid to cover legal defense fees
  • The coverage requirements of your state


It is a given that people, as well as companies, will make mistakes. In order to protect you and your company against any type of error or omission it is necessary to have a good insurance policy in place to provide protection against mistakes made by your workers or yourself.


Ben and Dave are great to work with. They have always been a call away and went to bat for me when we had a claim. They are also my agents for our home, auto and other lines of insurance.
– Renegizzo21 (via Google+)

When you have a question or a problem Eiipro either knows the answer or gets you the RIGHT answer. Any error and omission insurance company is only as good as the person you deal with, that is why I deal with Eiipro and have done so for years.
Michael DelGreco (via Google+)

Contact Eiipro for Home Inspector E&O Insurance

To learn more about our errors and omissions insurance coverage for home inspectors, please contact our Home Inspection Insurance Team at inspection@eiipro.com, or call 800-355-1185.