Understanding Errors and Omissions Insurance for Home Inspectors- EiiProAlso referred to as “E&O insurance,” Errors and Omissions insurance protects a home inspector – and their clients – against particular losses that originate with an oversight on the part of the inspector. When you consider all the areas an inspector may be required to inspect and sign off on within a home, you see why this type of insurance is so important.

Complex areas that home inspectors routinely look at include:

  • Heating systems
  • Air conditioning systems
  • Interior plumbing
  • Electrical systems
  • Attics
  • Basements
  • Insulation
  • Ceilings
  • Floors
  • Walls
  • Windows

Some of these systems are highly complex. Some are old, and the inspection can be tedious. The inspector is expected to understand each facet of his or her inspection, and well-trained inspectors do. Yet the smart ones still wouldn’t enter a home without an errors and omissions insurance policy tailored to their specific needs while providing an adequate level of coverage.

Why Errors and Omissions Insurance for Home Inspectors is Important 

EliteMGA is in business to protect professional home inspectors in the event of neglect or alleged human error during an inspection that lead to damage to a client’s home or even worse, injury to an individual within the home. While errors and omissions insurance isn’t mandated in every state, we strongly suggest each inspector carry a sufficient level of this important insurance in addition to other industry-specific coverages.

If you’re a home inspector and would like a quote on insurance coverage, or if you’ve been operating without it and want to learn more about the benefits of this type of coverage, check out our insurance policies or contact us anytime.

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Elite got me a great rate on E & O insurance for my home inspection business, beating all the competition by over $500. Dave walked me through the entire process. I highly recommend using EliteMGA!

Marty Clark

The folks at EliteMGA are just that – elite. I have used them for insurance for several years now and really can’t speak highly enough. First, the responsiveness: emails and calls are returned not just the same day, but often in minutes. Second, the professionalism and thoroughness: I have been late making a payment or made an error on paperwork, and they go the extra mile to cover over mistakes or explain things well. For inspectors looking for E&O and general liability, EliteMGA is just the best.

Russell Capps

EliteMGA was so easy to work with!! I would highly recommend them for all your Home Inspector insurance needs!!! – Paul Rondeau Viewpoint Home Inspections!!

Paul Rondeau

They were very easy to deal with and to obtain my E & O Insurance from. I’m confident I got a great rate and know I can have peace of mind insuring with this group should I ever need to use it!

Gregg Pierson

Our multi-inspector firm has been with Elite MGA for several years. Ben Garrison has provided us with crucial advice and great service over that time. We have no plans to look elsewhere for our E and O coverage. Like the man said, “Never quit a winner!”

Daniel Cullen

The Elite InspectInsure Errors and Omissions (E&O) insurance coverage is underwritten by The Hanover Insurance Company whose primary office is located at 440 Lincoln Street, Worcester, MA 01653, or one of its insurance company subsidiaries or affiliates. The Coverage may not be available in all jurisdictions and is subject to the company underwriting guidelines and the issued policy. This material is provided for informational purposes only and does not provide any coverage.