Affordable Commercial Insurance
(855) 244-0636







Home Inspector Insurance Quote

There are multiple hazards and risks that are faced by home and building inspectors in the course of an inspection. Whether they be general liability claims or errors and omission claims, a home inspector insurance policy should address both types of risks.

While some states do not have a requirement for specific insurance that doesn't really mean you can operate a business without insurance at all. Having insurance protects you from incidents in the normal course of business such as General Liability, Errors and Ommissions, and Commercial Auto Insurance.

How General Liability Protects Your Business

Consider the following scenario. John Smith Home Inspections is hired to provide a routine home inspection for a client. During the inspection Smith retrieves his ladder from his truck and proceeds to place it so he can climb up and inspect the roof. While Smith is walking with the ladder he stumbles and inadvertently smashes the windshield of the neighbor's car parked in an adjacent driveway. That incident would usually be covered by a GL policy, because it doesn't relate to the performance of a home inspection.

How Errors and Ommissions Insurance Protects Your Business

Following that mishap above, Smith climbs the roof and continues his inspection. Smith completes the inspection and provides his report to his clients. Unfortunately, Smith fails to notice an area of depression on the front of the roof indicative of a structural failure of the roof framing. His clients later file a lawsuit because they have to repair the roof themselves and did not have an opportunity to address the defect with the sellers prior to settlement. That failure by Smith is directly related to his performance of his professional services and presumably constitutes an error or omission (negligence) in performing the inspection. This is a very typical example of how E&O insurance is used in today's home inspection industry.

Policy Limit and Deductible Options

Liability Limits are available from $100,000/$100,000 up to $2,000,000/$4,000,000 to satisfy any State's or Franchisor's insurance requirements
Numerous Deductible Options beginning at $1,500

Specific Coverage Options can include

  • On-premises Bodily Injury/Property Damage Liability
  • Radon Inspections
  • Termite/Wood Destroying Insect Inspections
  • Pool and Spa Inspections
  • Sewer and Septic Inspections
  • Mold Inspections
  • Water Purification Testing
  • Lead Pain Inspections
  • Real Estate Agent Referral Protection
  • Franchisee Protection

Home Inspector Insurance Quote

Zip Code  
We process quotes for Home Inspector Insurance Quote through our network of carriers and consult with you on the best rates and insurance for your industry and company needs for free.

 or call us toll-free at (855) 773-1100
for information and pricing

You Are a Click or Call Away from the Best Quote for Small Business Insurance

Liability Insurance for Business
Contact Us
Free Insurance Agent Quotes: 855-244-0636
Office: 855-244-0636
Fax: 619-336-3818
Visit us in our San Diego insurance office Monday through Saturday
Map to San Diego Contractor Insurance Agency Business World Insurance Agency
Commercial Business World
7800 University Blvd
La Mesa, CA 91942

Insurance in California, Texas and
Arizona. CA, TX, AZ
Our Insurance
San Diego Contractors General Liability General Liability
San Diego Workers Compensation Quotes Workers' Compensation
Commercial Auto
San Diego California CA Errors & Ommissions Policy Errors & Omissions
California Product Liability Insurance Product Liability
California Professional Liability Quotes Professional Liability
California East County Contractor Bonds Liability Insurance Blog
California Los Angeles Contractor Bonds Complete List
Case Studies
CA Contractor Insurance Contractor's Insurance
CA Handyman Insurance Handyman Insurance
Home Inspectors Insurance
CA Garage Liability Garage Owners Insurance
A HVAC Installer Insurance HVAC Installer Insurance
CA Daycare Insurance Daycare Center Insurance
CA Retail Store Insurance Retail Store Insurance

California Broker License #0K70738
Arizona Broker License #1084371
Texas General Lines Agency: #2091951

© Copyright 1999-2017     m | d

San Diego Adwords Management
Nika Skin Care Salon, Laguna Niguel