For residential home inspectors
Professional Liability / E&O and General Liability, built for how residential home inspectors actually work — high property turnover, tight timelines, and a report the buyer relies on.
If you inspect single-family homes for buyers ahead of a purchase, your two core coverages are Professional Liability / E&O and General Liability. Together they’re designed to address the two main categories of risk in home inspection work: allegations about the inspection itself, and everyday third-party incidents connected to your operations.
Errors & Omissions (E&O) and Professional Liability generally mean the same thing for a home inspector — they’re not two separate products. This is the coverage designed to help respond to certain covered claims alleging that a defect or condition was missed or improperly reported during your inspection. See our Home Inspector E&O page for a closer look at how that plays out in a real claim scenario, or our broader Professional Liability / E&O page for the coverage mechanics.
General Liability handles a different exposure: eligible third-party bodily injury and property damage connected to your operations, like an injury during a walkthrough. See our General Liability page for the full explanation of how it complements E&O rather than duplicating it.
Home inspectors typically work alone or in small teams, visit dozens of unfamiliar properties a month, and produce a written report that a buyer may rely on to make one of the largest financial decisions of their life. That combination — high report reliance, high property turnover, tight timelines — is exactly the profile Professional Liability / E&O coverage for inspectors is designed around.
Yes, generally. For home inspectors, both terms describe the same coverage: protection designed to help respond to certain covered claims alleging errors, omissions, or negligence in your inspection work.
A frequent scenario involves a buyer alleging that a condition — a roof issue, foundation concern, or electrical problem — was missed or not properly reported. See our Home Inspector E&O page for more on how that kind of claim is handled.
Most home inspectors carry both, since they’re designed for different categories of claims — professional allegations versus third-party injury or property damage.
We work with inspectors at different stages of their business, from newly licensed to established multi-decade operations. Pricing and eligibility depend on your specific business.
The coverage mechanics are the same, but a home inspector’s work is typically concentrated in residential pre-purchase transactions. If your business also covers small multifamily or broader residential work, see our Residential Property Inspector page.
Fill out the form on this page with your business name and contact details. Our licensed agents build your custom quote — typically the same business day.
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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