Home Inspector Insurance

Ensure your home inspection business is properly and fully covered.

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Who Needs Home Inspector Insurance?

Home inspection companies face many risks. Employee injury is always possible, and workers’ comp is state-mandated for many businesses so that coverage is important. Many states also require home inspectors to have professional liability (also called errors and omissions or E&O) and home inspector general liability insurance, and we can provide both in most instances. Accidental fires and computer theft or damage should be covered by a property and liability policy. A commercial auto policy is important as you drive to houses for inspections in business-owned or leased vehicles. Many clients require a Certificate of Insurance, which is available online as soon as you purchase a home inspector insurance policy from us.

What Does Home Inspector Insurance Cost?

Your home inspector insurance cost is calculated based on a number of factors. These include your location, business size, and claims history. You can get home inspector insurance cost quotes online for the different policies you need.

Any Home Inspection Business Needs Home Inspector Insurance, Including:

• Building inspectors
• Certified inspectors
• Home inspectors
• Home inspection companies

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What are the Different Types of Insurance for Home Inspectors?

At biBERK, we offer seven different types of insurance for small business owners like you. Depending on the location of your business and other factors, certain types might be better for you than others.

Workers’ Compensation insurance

This insurance helps protect your business if an employee is injured, contracts an illness, or dies as a result of an incident on the job. It can cover medical costs, legal fees, and lost wages due to the injury.

Workers' Compensationchevron_right

General Liability insurance

Also known as commercial liability insurance, home inspector general liability insurance policy is important. The policy covers damages and legal costs associated with injury claims by customers and other people you don’t employ, damage to other people’s property that was caused by your business, and medical costs associated with these incidents. It also covers libel, slander, and copyright infringement. Plus, there are endorsements you can add to customize your policy, including cyber, hired and non-owned auto liability, employment-related practices liability, and employee benefits liability.

General Liabilitychevron_right

Business Owners Policy

Also called property & liability insurance, a business owners policy (BOP) combines general liability insurance with coverage for your company’s property. You'll get protection for the building you own, space you lease, and any property needed to run your business, while also receiving coverage for things like business interruption. This can replace lost income, as well as cover other costs associated with getting your business back up and running after suffering property damage, such as the use of a temporary location. You can also tailor your BOP with add-ons including cyber, hired and non-owned auto liability, employment-related practices liability, and employee benefits liability.

Business Owners Policychevron_right

Errors & Omissions insurance

Also known as professional liability insurance, this policy could protect you from the cost of damages and legal fees when someone claims your professional service caused financial harm to them or their business. Coverage includes mistakes on the part of your business (errors) and the failure to perform a service (omissions). Errors and omissions insurance should be considered if your business provides professional advice, offers a professional service, or has contractual requirements for the coverage.

Professional Liabilitychevron_right

Commercial Auto insurance

If your company owns or leases vehicles, this policy protects your business. This type of insurance can provide coverage for your legal fees and the medical costs of others if your employee is at fault in an accident. It can cover the cost of damages even if the vehicle is used for personal activities outside of its primary business use.

Commercial Autochevron_right

Cyber insurance

This coverage can be purchased as an add-on to a general liability, errors and omissions, or BOP policy. It helps cover costs related to system hacks or data security breaches in which sensitive information has been stolen and fraud has occurred or there is a reasonable expectation that it might occur.

Cyber Insurancechevron_right

Umbrella insurance

Every insurance policy you purchase has a maximum value that it will cover in the event of an incident. Umbrella insurance adds another layer of protection: it can cover costs that exceed the limit of another liability policy, subject to its own limit. Without it, you may be responsible for anything over your policy limit. Business liability suits can easily exceed the actual value of many small businesses, so we highly recommend an umbrella policy to protect your company.

Umbrella Insurancechevron_right

Why biBERK for Home Inspector Insurance?

We’re the experts when it comes to small business insurance.

Save time.

Get a quote entirely online or speak with one of our insurance experts right away for help getting a quote, buying a policy, or answering any questions you may have.

Save money.

We insure your small business directly, without a middleman or insurance broker, so we pass that savings on to you—up to 20% less than policies with other insurance companies.

Experienced.

We're part of Warren Buffett's Berkshire Hathaway Insurance Group with millions of satisfied customers, more than 75 years of insurance experience, and $52.2 billion in paid claims in 2023.

Get a Quote Today

See why biBERK is easier and more convenient for home inspector insurance when you obtain your free quote online.

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