Home Inspector Liability Insurance from Eiipro

Home inspector liability insurance protects 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.

Desired Classes

This product is designed to cover:

  • Residential and Commercial Inspectors
  • Radon, Mold, Termite Inspectors
  • Green/Energy Auditors
  • Many Others Available

Available in 48 Contiguous State (excluding AK, HI).

View your state’s liability insurance requirements here.


Coverage can be expanded to include:An inspector with home inspector liability insurance doesn't need to worry about errors on the job affecting his or her financial stability.

  • 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 premiums starting at $1,000 – NO ADDITIONAL FEES
  • Deductibles available from $1,500 all the way up to $10,000
  • Average Premium = $1750
  • 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

EliteMGA has partnered with an A+ rated, admitted carrier to offer residential and commercial inspectors across the nation E&O, General Liability and Workers Compensation insurances. By completing our application, we will design your home inspector liability insurance coverage around the specific services you offer. NO NEED TO PAY FOR ENDORSEMENTS YOU DON’T NEED!  EliteMGA is a leading provider of home inspection insurances, and has 10+ years of experience within the industry and offers discounts for using many of the vendors/products you currently already use.