For residential inspection businesses
Coverage for the full range of residential inspection work — pre-purchase, pre-listing, new construction, and small multifamily — built around the buyer and seller exposure unique to residential transactions.
Residential property inspection covers more than a single-family pre-purchase walkthrough — it can include pre-listing inspections, new-construction inspections, and small multifamily properties. Whatever the mix, the same two coverages typically apply: Professional Liability / E&O for allegations about your findings, and General Liability for third-party incidents during your operations.
Residential inspection work sits at the center of a high-stakes transaction, and both sides — buyers and sellers — can have an interest in what your report says. A buyer may allege a missed defect after closing; a seller or their agent could raise a concern if your report affected a deal that fell through. Professional Liability / E&O is the coverage designed to respond to covered claims arising from either direction, subject to the policy’s terms.
If your business also inspects duplexes, triplexes, or small multifamily buildings alongside single-family homes, that work generally still falls within residential property inspection for insurance purposes — but it’s worth confirming with your agent how your specific service mix is classified. If you regularly perform larger-scale commercial property condition assessments, see our Commercial Property Inspector page instead.
Generally, single-family homes and small multifamily properties inspected in connection with a residential real estate transaction. Your agent can confirm how your specific mix of services is classified.
The same Professional Liability / E&O and General Liability coverages typically apply to both, since the underlying exposure — allegations about your findings — is similar regardless of which party hired you.
Professional Liability / E&O is designed to respond to covered claims regardless of which party in the transaction raises them, subject to the policy’s terms. See our Professional Liability / E&O page for how the coverage works.
Likely yes, but it’s worth confirming with your agent. If a meaningful share of your work is larger commercial property, see our Commercial Property Inspector page.
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