Looking for Inspection Services Insurance?
Protect your inspection business from professional errors, missed defects, liability claims, and E&O exposure. Get coverage for home inspectors, commercial inspectors, and specialized inspection services.
What is Inspection Services Insurance?
Inspection services insurance protects inspectors against financial losses arising from professional errors, missed defects, client disputes, and accidental property damage during inspections. Coverage typically includes professional liability (E&O), general liability, and equipment protection. Real estate agents, lenders, and clients often require proof of insurance before inspections or contract approvals.
Professional Liability (E&O)
Covers claims alleging inspection errors, omissions, or missed defects that result in financial losses for clients.
General Liability
Protects against bodily injury or property damage claims that occur while performing inspection services at client properties.
Equipment Protection
Covers inspection tools, including ladders, cameras, moisture meters, thermal imaging devices, and testing equipment.
Certificates
Fast proof of insurance for clients, real estate agents, lenders, and transaction coordinators.
Who Needs Inspection Services Insurance?
- Home inspectors : Businesses requiring specialized insurance coverage
- Commercial building inspectors : Businesses requiring specialized insurance coverage
- Specialty inspection providers : Businesses requiring specialized insurance coverage
- Environmental and testing inspectors : Businesses requiring specialized insurance coverage
Why Harper?
Inspection-Focused Expertise
Harper understands inspection-specific risks, missed defects, documentation disputes, and claims tied to inspection standards of practice.
Fast Proof for Transactions
Real estate deals move fast. We deliver certificates quickly, so inspections don’t delay closings.
Clear, Practical Guidance
We explain E&O, general liability, and inspection requirements in plain language, no guesswork.
Coverage Built for Your Inspection Type
Policies are tailored for residential, commercial, environmental, mold, termite, or specialty inspections.
Frequently Asked Questions
What insurance do inspectors need?
Most inspectors need professional liability (E&O) for inspection errors, general liability for accidental property damage, and equipment coverage for tools. Workers’ compensation is required if you have employees.
Is inspection insurance required?
In most cases, yes. Clients, real estate professionals, and lenders typically require E&O coverage before hiring an inspector. Some states also require it for licensing or certification.
How much does inspection insurance cost?
Home inspectors typically pay $1,000–$3,000 annually. Commercial or specialized inspectors often pay $3,000–$8,000+, depending on inspection volume and risk exposure.
Does insurance cover missed defects?
Professional liability (E&O) can cover claims alleging missed defects when inspections were performed in accordance with applicable standards and properly documented.
Does insurance cover property damage?
General liability covers accidental property damage during inspections, such as damage caused while testing systems or accessing crawl spaces.
Can I add agents or clients as insureds?
Real estate agents typically don’t require additional insured status, but Harper can accommodate special requests when contracts require it.