Home Inspector Insurance

You can save up to 25% in discounts on business insurance.*

Choose your primary coverage to get started:

Featured On

Rated 4.7/5

(5056 reviews)

Home inspector insurance that’s made for your business

NEXT specializes in providing customized liability insurance for small businesses and solopreneurs. We offer affordable insurance coverage tailored to self-employed home inspectors, so you are always protected against unpredictable events.

Once you’re covered, you can share unlimited proof of insurance in minutes at no additional cost. It takes around 10 minutes to select your coverage, purchase online, and receive your certificate of insurance to share with clients, real estate agents, mortgage lenders and more.

Home inspector liability insurance can help protect you from

Business errors

A client accuses you of making a faulty inspection and missed defects that cost them money.

Claims of negligence

Someone claims you had inaccuracies in your reporting that caused financial loss.

Legal fees and defense costs

You need an attorney to defend your home inspection business in a lawsuit after a claim.

Affordable insurance to protect against common home inspector claims

These types of insurance coverages can help boost professionalism, meet regulatory requirements and provide financial protection against legal action.

General Liability insurance

For non-employee injuries and damage to property you don’t own

General liability insurance covers a wide range of home inspector accidents and basic risks. You’ll have financial protection if someone other than an employee gets hurt (bodily injury) or you are held responsible for damaging property that doesn’t belong to you. Like E&O, some states require general liability coverage to be licensed.

general liability can help you pay for:

Medical payments

Property damage

Legal fees and judgments

Home inspector E&O insurance

To help protect you from errors and mistakes at work

Errors and Omissions insurance (also known as professional liability or E&O insurance for home inspectors) can help you defend yourself if you’re accused of making a mistake in your inspection services that causes someone to lose money. For example, if you missed a visible issue that causes a client to suffer financial losses, it could help cover related expenses to defend yourself. Some states require home inspectors to have E&O coverage to be licensed.

professional liability can help you pay for:

Professional negligence (actual or alleged)

Legal defense costs

Legal judgments

Commercial Auto insurance

If you own or drive a vehicle for work

Personal auto insurance doesn’t usually provide coverage if you cause a collision on the way to a client’s home or office. Most states require a commercial auto policy for business-owned vehicles to help pay for medical expenses and property damage after an accident.

commercial auto can help you pay for:

Medical expenses

Collision repairs

Rental car reimbursement

Workers' Compensation

For business owners who hire employees

Workers’ compensation insurance can help pay for medical care and lost wages after a workplace injury. It’s almost always required if you have employees. Choose business owner’s coverage with your policy to protect yourself.

workers compensation can help you pay for:

Medical expenses

Lost wages

Employer liability

Commercial Property insurance

For business owners who own or rent physical workspace

If you own or rent your workspace, commercial property insurance can help protect your business equipment, furniture and physical structure. If your business property is damaged due to a covered event such as a burst water pipe or fire, property insurance could help with replacement or repair.

commercial property can help you pay for:

Damaged equipment and inventory

Lost income

Operating expenses

Cyber Liability insurance

Protection against cyber attack and other tech issues

Businesses often handle personal client and financial data, and a cyber incident can disrupt your operations and hurt client trust. Cyber insurance could help protect your business and help you respond quickly if there’s a data breach of sensitive client information, a cyber attack or a phishing scam that could impact your business.

cyber liability can help you pay for:

Data breaches

Cyber attacks and ransomware attacks

System failures

Real estate professionals trust ERGO NEXT

quick, efficient and valuable

I like Next. It was just what I needed and at a great price!

Robert P.

Amazing Product

Most affordable and easiest process, next insurance is a no brainer for your business insurance needs.

Shane P.

TONY DUONG

VERY GOOD AGENT AND FAST SERVICE

Tony D.

CFO

Handsfree insurance allows us to drive the business without headaches or hassles. Thanks for keeping us safe!

Edward A.

Easy set up

Ap was very easy and quick approval.

Linda G.

Joining Next

The guy that help us straiten out our policy was gr8, easy to work with and took his time explaining every thing, my only issue was that it took to long to find the customer servic...

Theresa C.

Thank goodness

Thank goodness the representatives are available and very nice because setting up the service was challenging. The questions are worded in a very confusing way, so much so I had to...

Crystal N.

Awesome easy apply

Very user friendly website and application process....very fair price.

LAURA S.

It was fast.

Max L.

Fast Quote same day policy

Super fast service and insurance same day I applied. Sydney was super helpful

Thurayah M.

You can save up to 25% in discounts on home inspector insurance*

Choose the package that's best for your business.

Basic

Lowest Price

General Liability

Per occurrence

$500,000

Professional Liability (E&O)

Per occurrence

$250,000

Workers’ Comp

Per accident

$100,000

Commercial Property

Per occurrence

$30,000

Pro

How much does home inspector insurance cost?

Home inspector insurance costs can vary based on a number of factors, including:

Your work experience.
Your annual revenue.
The location of your business.
Your number of employees, if you have them.
How many vehicles you use for work.
Your claims history.

Your home inspection company’s risks can fluctuate from time to time, which can affect your insurance requirements and costs. We’re here to ensure that you always have the appropriate coverage.

Get a free home inspector insurance quote. Just answer a few questions and you’ll know exactly what your business will pay in about 10 minutes. You can purchase, get proof of insurance and access your policy 24/7.

Which types of insurance are required for home inspectors?

Insurance requirements vary by company, local regulations, job type, contract and other factors. Home inspectors are usually required to have liability insurance such as errors and omissions insurance and general liability insurance. You might need insurance to:

Align with industry standards. Each state has different requirements for home inspector licensing and operating a business.
Hire employees. Most states require workers’ compensation.
Drive for business purposes. Business-owned vehicles typically need commercial auto insurance.
Repair or replace property you own or rent. Protect your inventory, equipment and even the building that you lease or own.

Home inspector business insurance FAQ

If you don’t find the answers you need, our licensed, U.S.-based insurance advisors are standing by to help.

Does ERGO NEXT cover my home inspector business for Professional Liability?

Yes, ERGO NEXT Insurance covers home inspectors for General Liability, Professional Liability (E&O), Workers' Compensation and Commercial Property.

What do I need to get an insurance quote online?

It takes about 10 minutes to get a business insurance quote online with ERGO NEXT. We’ll ask a few questions about your business — like what you do, your location, how many people you employ and the vehicles you use for work. You’ll choose your options and see prices. If you like what you see, you can buy online and get a certificate of insurance (proof of insurance) on the spot.

How can I get a certificate of insurance (COI)?

Once you have an ERGO NEXT policy, you’ll have instant access to your certificate of insurance 24/7 via web or app. Log in to your account and download your COI, or have it delivered via email or text at no additional cost. Get unlimited certificates and add an additional insured as you need them. Make changes to your coverage and your COI updates automatically.

How do you file an insurance claim with ERGO NEXT?

If you’re a policyholder, simply log in to your account and file a claim. We will contact you shortly after you submit to go over the details. Our support team is standing by to help.

If I work from home, will my homeowner's insurance cover me?

Running a business from your home can save you many costs associated with a separate location. But since your business adds unique risks regardless of location, your homeowners/renters policy won’t be enough. ERGO NEXT helps you cover what your homeowner insurance doesn’t.