Pricing guide
Professional Liability / E&O and General Liability premiums for inspectors depend on your revenue, the types of inspections you perform, your coverage limits, and your claims history. Here’s how the number is typically built — and how to get yours.
There isn’t one flat price for Professional Liability / E&O or General Liability — carriers price both based on the specifics of your inspection business. A few factors tend to matter most.
Annual revenue and inspection volume. More inspections generally means more exposure, which typically affects premium for both coverages.
Types of inspections you perform. Standard residential home inspections are priced differently than commercial property condition assessments, which can carry different exposure.
Coverage limits. Higher limits — often requested by lenders, brokerages, or clients — generally cost more than base limits.
Claims-made structure and retroactive date. Professional Liability / E&O is typically written on a claims-made basis. Your retroactive date and whether you maintain continuous coverage can affect pricing and, more importantly, what’s eligible for coverage. See our Professional Liability / E&O page for how that works.
Years in business and claims history. An established inspector with a clean claims history typically sees more favorable pricing than a brand-new operation.
State. Availability and pricing can vary by state.
Because Professional Liability / E&O responds to allegations about the inspection itself, it’s usually the larger piece of an inspector’s premium relative to General Liability, which is designed for more limited third-party bodily injury and property damage exposures during your operations.
Most inspectors carry both. Bundling them with one agency, when eligible, can simplify the process versus shopping each coverage separately.
Ranges are useful for budgeting, but the only way to know what you’ll actually pay is a quote based on your specific business. Fill out the form on this page and our licensed agents will prepare a custom quote — typically the same business day.
Cost varies by revenue, inspection volume, coverage limits, claims history, and state. Rather than quote a generic number that may not reflect your business, we recommend requesting a custom quote so the figure is accurate to your situation.
They’re typically two separate coverages, often written together for convenience. Professional Liability / E&O and General Liability protect against different types of claims — see our Professional Liability / E&O page and General Liability page for the distinction.
It can. Claims-made coverage is tied to your retroactive date and continuous coverage history, which carriers factor into pricing. Gaps in coverage can complicate both cost and eligibility for prior work.
Pricing depends on the specific exposure of the work performed, not simply the label “commercial” or “residential.” A licensed agent can walk through how your specific services are rated.
Request a quote through the form on this page, or call 888-628-9144. Our licensed agents build a custom quote based on your business — typically returned 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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Our licensed agents build your custom quote — typically same business day.