For private-sector building inspectors
Built for private building and property inspection businesses — not municipal or code-enforcement employees. If you inspect buildings for private clients, here’s how coverage works.
This page is built for private-sector building and property inspection businesses — independent inspectors and firms hired by buyers, sellers, lenders, or investors to evaluate a building’s condition.
It is not intended for municipal code-enforcement inspectors or other government employees who inspect buildings for permit or code-compliance purposes as part of a public-sector job. If that describes your role, this program isn’t the right fit — municipal employment typically involves entirely different insurance and liability arrangements, usually handled through the employing government entity.
If you run or work for a private inspection business evaluating buildings for clients, the same two coverages apply as with any property inspector: Professional Liability / E&O for allegations about your inspection findings, and General Liability for eligible third-party bodily injury and property damage during your operations. See our Professional Liability / E&O page and General Liability page for how each works.
“Building inspector” can describe residential home inspection work or commercial property condition assessment, depending on your business. If your work is primarily single-family and residential, see our Home Inspector Insurance page. If it’s primarily commercial property, see our Commercial Property Inspector page. Both fall under the same general coverage approach described here.
No. This program is built for private-sector building and property inspection businesses — not government employees performing code enforcement or permit inspections as part of a public-sector job.
Yes. If you inspect buildings for private clients (buyers, sellers, lenders, or investors), the same Professional Liability / E&O and General Liability coverages described on this site apply. See our Professional Liability / E&O page to start.
The terms overlap significantly. “Home inspector” usually implies residential, single-family work; “building inspector” can describe either residential or commercial inspection depending on the business. See our Home Inspector page or Commercial Property Inspector page depending on your focus.
Yes, we work with both solo inspectors and growing firms with multiple inspectors on staff.
Fill out the form on this page with your business details, and our licensed agents will follow up with a custom quote.
Property Inspector Insurance connects you with licensed agents who build your custom quote — typically back the same business day, subject to underwriting.
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Our licensed agents build your custom quote — typically same business day.