Building & home inspector insurance
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.
Why Does a Home Inspector Need 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.
Let Simply Business build a home inspector insurance policy that’s personalized just for you.
What Type of Home Inspector Insurance Do I Need?
Professional Liability / Errors & Omissions
From
$26
/month*
Also known as professional liability, this provides coverage for damages and legal costs due to mistakes or negligence claims.
General Liability Insurance
From
$20.75
/month*
A foundational insurance coverage to help handle costs from third-party accidents, property damage, and bodily injury.
Business Owner’s Policy (BOP)
From
$33.75
/month*
General liability, property insurance, and more all in one convenient package.
Business insurance —
a one-minute explanation
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.
Need more detail? Read our FAQs:
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
Want to find out how much your insurance policy might cost? Just click here to answer a couple of questions about your business.
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Feel confident in your choice.
We partner with a range of top-rated carriers and use smart technology to match you with policies that fit your specific business, your risks, and budget.
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business types covered
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customer rating on Trustpilot
1M+
customers worldwide
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*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.