Building & home inspector insurance
One application, multiple quotes.
All in one place.
Essential Protection
From
$26
/month*
Can provide coverage if a client claims there was a mistake in the professional services you provided.
What’s included:
Errors & Omissions / Professional Liability
Coverage limits: $100K to $3M†
Get multiple quotes in less than 10 mins
Essential Protection
From
$26
/month*
Can provide coverage if a client claims there was a mistake in the professional services you provided.
What’s included:
Errors & Omissions / Professional Liability
Coverage limits: $100K to $3M†
Get multiple quotes in less than 10 mins
Would you rather pick and choose your coverage? Explore all options
Over 1 million customers worldwide.
Buy instantly online.
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Why Do I Need Home Inspector Insurance?
Whether you work for yourself or a small firm, being a home inspector poses a lot of risks. You’re in charge of thoroughly examining a home or building to identify any issues, and if you fail to provide any information on the structure that could be an issue for the new owner, that’s going to cost you. And while you inspect an older home, you put yourself at risk for injury or damaging property.
Below are some of the most common types of insurance policies that home inspectors carry to stay protected.
What Type of Home Inspector Insurance Do I Need?
Professional Liability / Errors & Omissions
Coverage for damages and legal costs due to mistakes or negligence claims.
From
$26
/month*
General Liability
A foundational insurance coverage to help handle costs from third-party accidents, property damage, and bodily injury.
From
$20.75
/month*
Business Owner’s Policy (BOP)
General liability, property insurance, and more all in one convenient package.
From
$33.75
/month*
Business insurance —
a quick explainer
Learn more about policies for small businesses, what they cover, why you might need them, and how we can help – all in just 60 seconds.
Business insurance is often made up of different types of policies to cover different things, similar to how your health insurance can be made up of medical dental and vision coverage. Here are some of the ones small business owners need. General liability is kind of the Swiss army knife of insurance. It can do a lot, like help handle costs from third party accidents, property damage, bodily injury, and more. Nobody’s perfect, right? That’s what professional liability is for. It could come in handy in the event of honest mistakes or claims of negligence. Workers’ comp can protect your business and help take care of employees who get sick or injured on the job. Small businesses are big targets for cyber criminals. Cyber Insurance can help cover costs associated with stolen customer data, cyber attacks, breaches, and fraud. BOP or a business owners policy combines different types of coverages like general liability and commercial property insurance. Putting them together for you is where we come in. You tell us a bit about your business online or on the phone, and we customize the coverage options for what you do and what you need. It’s your business, it should be your insurance as well. That’s why we’re here.
Professional Liability Insurance for Home Inspectors
Professional Liability insurance – which is also referred to as errors and omissions insurance (E&O insurance) – is a type of policy that provides coverage in the event a customer alleges negligence from your professional services. If your customer decides to sue your business for mistakes related to your services, your professional liability insurance policy may cover damages and legal costs that you might be ordered to pay due to negligence.
As a home inspector, there is a chance you could have an oversight on a structure’s blueprint or condition, which is why professional liability insurance is so important. Don’t let one error cost you – make sure you get professional liability insurance!
General Liability Insurance for Home Inspectors
General Liability insurance – also known as commercial general liability (CGL) – protects your business from third-party claims of bodily injury or damage to someone else’s property.
For example, if you are on the job inspecting an old home for an interested buyer, and your screwdriver creates a huge hole in the drywall, your general liability policy may provide coverage.
General liability usually covers:
- Bodily injury
- Third-party property damage
- Personal and advertising injury
- Medical expenses
- Defense costs
- Supplemental payments
General liability insurance usually does not cover:
- Damage to your own property
- Professional services
- Workers compensation or injury to own employees
- Known claims or potential claims
Lastly, general liability insurance is sometimes bought in conjunction with professional liability insurance, but be sure you check your specific policy to see if it includes both coverages. Depending on the type of work you perform, both policies may be required to provide the best level of coverage in the event your business experiences a claim.
Learn more about General Liability Insurance.
Workers Compensation Insurance for Home and Building Inspectors
Do you have full-time employees, part-time help, or even subcontractors? If that’s the case, you’ll definitely need workers compensation insurance. If someone who works for you gets hurt on the job, this coverage provides help with medical bills, lost wages, and any legal costs that relate to the injury.
Most states require any business with employees to have workers compensation insurance, so make sure you add it to your policy!
Learn more about workers compensation insurance.
How Much Does Insurance for Home and Building Inspectors Cost?
Not sure how much you might pay for coverage for your home inspection business? While there’s no one answer for how much your policy will cost, your final premium will usually be determined by:
- The number of employees you have (including part-time and consultants)
- Your location
- Payroll
- Revenue
- And more
What Does Building Inspector Insurance Cost
Try our insurance calculator.
Get a quick estimate in just 3 steps.
Answers to More Building Inspector Insurance Coverage Questions
Insurance can financially protect the business you’re building. Without it, you may have to pay out-of-pocket for property damage, accidents, or lawsuits. In some cases, clients may require that you have insurance before hiring you. Some coverages, such as workers compensation, may be legally required in your state.
Cost is often based on several factors, including:
- Your business’s trade/specialties
- The services you provide
- Where your business is located
- How many employees you have
- Your estimated revenue
We can help find the coverages and prices for your business in just 10 minutes right here.
business you own, the services you provide, and how many employees you might have. When it comes to how much you need, this also depends on several factors, including:
- The size of your business
- Where your business is located
- The industry you’re in
- How many employees you have
- Your estimated revenue for the year
We can help you find the right coverage and the right amount in just minutes.
More than one million small business owners around the world trust Simply Business to help keep their business protected. Why? We make it easy to compare, shop and save on coverage for more than 400 types of small businesses.
In minutes you can: find the coverage that fits your needs, compare and save up to 20%* on multiple quotes from leading insurers, buy online and manage your policy 24/7.
We also make it easy to customize your policy, so you’ll only pay for what your business needs. You can even get a Certificate of Insurance (COI) that same day.
Why Small Businesses Choose Simply Business
Small business insurance is what we do. Whether it’s covering you for accidents and errors, meeting workers’ comp requirements, or financially protecting your business from the unexpected, we can help find the coverage you need for your business.
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Answer a few questions about
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I went online, looked around, and found Simply Business. The process was so seamless. I got my certificate within minutes. It was just phenomenal.
Karen
Owner of Tangaza Bath & Body Studio LLC
With Simply Business I know I can look at different carriers, but also see all my stuff in the same place… a lot of [insurance] providers don’t offer a variety of coverage, all in one place.
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Owner of Bunker83 LLC
It wasn’t overwhelming to figure out what was covered and what wasn’t covered. And the cost was competitive.
Kim
Owner of Room to Breathe Professional Organizing
Feel confident in your choice.
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We’ve Got More Helpful Information
*The displayed price for each product is a monthly estimate calculated from the 10th percentile of relevant policies sold by Simply Business (e.g., General Liability data is used for General Liability estimates). This estimate uses data from relevant policy sales between July–December 2025. Final price and payment terms, which may include an initial down payment, are subject to change based on your state, selected insurance provider, and specific business details.
† Limits may vary by state and nature of your business.
‡ Displayed price is based on the lowest available coverage limit for Equipment and Small Tools policies.
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