Secondary coverage
General Liability is built for a different category of claim than Professional Liability / E&O — eligible third-party bodily injury and property damage from your operations, not the accuracy of your inspection findings.
General Liability (GL) is a separate coverage from Professional Liability / E&O. Where E&O responds to allegations about the accuracy of your inspection work, GL is designed to help with eligible third-party bodily injury and property damage claims connected to your day-to-day business operations — not the professional judgment behind your report.
A few examples of the kind of exposure GL is built for: a client or agent is injured while accompanying you during a walkthrough, or something is accidentally damaged while you’re on-site performing an inspection.
Most inspection businesses carry Professional Liability / E&O as the primary coverage and General Liability as a secondary, complementary coverage. They’re designed to respond to different categories of claims, so having only one can leave a real gap — GL alone won’t respond to an allegation that you missed a defect, and E&O alone won’t respond to a slip-and-fall claim.
Many clients, brokerages, and property management companies specifically request proof of General Liability — sometimes alongside E&O — before they’ll work with an inspector. Our certificate of insurance page covers how that request typically gets handled.
General Liability does not respond to claims about the substance of your inspection findings — allegations that you missed, misreported, or mischaracterized a condition. Those allegations fall under Professional Liability / E&O. If you’re unsure which coverage a given situation would fall under, that’s exactly the kind of question to bring to a licensed agent before a claim happens, not after.
GL is designed for eligible third-party bodily injury and property damage claims tied to your business operations — for example, an injury during a site visit or accidental property damage while you’re inspecting. It is not designed to respond to claims about the accuracy of your inspection report.
Most inspectors carry both because they’re designed for different types of claims. See our Professional Liability / E&O page for how the two coverages divide the risk.
It’s common for clients, real estate brokerages, and lenders to request a certificate showing General Liability, sometimes along with Professional Liability / E&O. See our certificate of insurance page for how that process works.
General Liability may help with certain covered claims involving accidental property damage during your operations, subject to the policy’s terms and exclusions. It’s not a guarantee that every incident is covered.
For most inspectors, Professional Liability / E&O tends to represent the larger share of premium given the nature of inspection work, though your specific pricing depends on your business. See our cost page for the factors that affect both.
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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