Home Inspector Insurance

As a professional home inspector, precision is part of your daily routine. You’re trained to spot what others miss—and your clients count on you for that level of detail. But even the most careful inspector can face unexpected issues: a client trips during a walkthrough, a costly detail gets overlooked, or your tools are damaged on-site.
That’s where home inspector insurance comes in. It’s the safety net that protects your business, your income, and your reputation when things don’t go as planned. Whether it’s an accident, a claim, or just a bump in the road, the right coverage gives you the confidence to keep doing your best work, without second-guessing every step.

General Liability

General liability insurance for home inspectors covers claims of bodily injury and property damage that happen during your inspections. Imagine accidentally knocking over an antique vase while examining a homeowner’s attic. Oops—expensive mistake. General liability takes care of that, covering repair or replacement costs so you don’t have to pay out-of-pocket.

Another common scenario: you're inspecting a deck, and your ladder accidentally slips, damaging a window or wall. Without liability insurance, you're on the hook for repairs. But with coverage in place, the insurance handles those costs, saving your wallet and your reputation.

General liability also covers medical bills if a homeowner or visitor trips over your equipment and gets hurt. Nobody expects accidents, but when they do happen, having this coverage in your corner makes all the difference. Plus, many clients and realtors require proof of general liability before they'll even let you onto the property. It shows them you're professional, responsible, and ready for any mishap.

BPP Coverage for Home Inspectors

Business Personal Property (BPP) coverage protects the gear, equipment, and supplies you use daily as a home inspector. Think about all the specialized tools you carry: moisture meters, ladders, thermal imaging cameras, and laptops. If these tools are damaged or stolen, replacing them can cost thousands. BPP insurance is there to help you quickly replace damaged or lost items, so your inspection schedule doesn’t miss a beat.

Say something like this happened to you: On professional inspector stored valuable equipment in a leased office space. The building had an electrical fire, which damaged and destroyed most of his equipment. Without BPP, he'd have to replace computers, cameras, testing equipment, and anything else all on his own. With BPP though, the policy takes care of those replacements for him.

BPP also covers your equipment when you’re on the move—whether in your vehicle, at a client's home, or at your office. And with customizable limits, you choose exactly how much coverage you need, ensuring you’re neither over- nor under-insured. When your tools are the lifeblood of your business, having BPP coverage is a smart investment.

Workers' Compensation For Home Inspectors

Workers' compensation insurance covers your employees’ medical expenses and lost wages if they're injured on the job. Even solo inspectors may need coverage—if your state requires it—to protect against potential health expenses from a work-related injury.

Let's say one of your employees is inspecting a home. He needs to climb into the attic as part of the routine, but the ladder shifts and he takes a hard fall. He is taken by ambulance to the hospital, where it's discovered his back is broken. This employee will need substantial medical care and rehabilitation. And it will be a long while before he can work again, so he'll lose income too.

Workers' compensation is mandatory in most states because accidents like this can spiral into massive bills that extend over time. This coverage will pay the medical bills so that your company doesn't have to. It also pays the employees lost wages, pays for rehabilitation, and even pays for retraining if the employee can no longer work in the inspection industry due to their injuries.

What Else Do Home Inspectors Need?

Beyond general liability, BPP, and workers' compensation, home inspectors often benefit from these additional insurance coverages:

Errors and Omissions (E&O): Protection against claims alleging negligence, errors, or oversights in your inspection reports.
Commercial Auto Insurance: Covers your work vehicles, tools, and equipment, if they're involved in auto accidents.
Cyber Liability Insurance: Modern companies keep client data digitally, and often that data is online. This protects digital crimes and data breaches.
Umbrella Liability Insurance: This gives you an added layer of coverage above the base limits of your general liability or commercial auto coverage.
Bonding: Surety bonds provide guarantees to your clients that your inspection business operates ethically and responsibly.

FAQs For Home Inspector Insurance

What Will This Set Me Back?

Most inspectors spend somewhere between $350 and $1,300 a year on insurance. Your exact rate depends on where you work, what kind of coverage you need, and your claims history.

How Do I Get Covered?

You can apply online through insurance companies that focus on home inspectors—or work with an agent who understands the unique risks of your profession.

What's an “Additional Insured,” and Do I Need One?

This simply means adding someone else—usually a client or real estate agent—to your policy, so they’re protected under your insurance if something goes wrong during an inspection.

Why Do People Ask for a Certificate of Insurance?

A COI is proof you’re insured. It’s a one-page document clients may ask for before they book you, especially if they’re working through an agency or larger firm.

Can I Cut My Costs Without Cutting Corners?

Yes—by keeping your record clean, comparing quotes, raising deductibles, bundling policies, and making safety a daily habit, you can often save quite a bit.

Why Choose USA Insurance

When you choose USA Insurance, you’re not just buying a policy—you’re gaining a partner who understands your business and cares about helping it thrive.
Here’s what sets us apart:

Trusted by 99% of Our Clients
We’ve built long-term relationships by delivering the kind of service people come back for—and recommend.
Deep Knowledge of Commercial Insurance
From home inspectors and artisan contractors to retailers and manufacturers, we know what protection looks like for hands-on businesses.
Licensed Nationwide, Focused on You
Wherever you work, we’re there. With licensing in all 50 states, we offer national reach with a local touch.
Coverage That Fits Your Work
We don’t do one-size-fits-all. We shape your policy around your business, your risks, and your goals.
Plus, we make things easy with fast claims support, payment plans that work with your cash flow, and a renewal process that puts you a step ahead.