Home Inspector Insurance

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

Choose your primary coverage to get started:

Professional Liability

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General Liability

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Workers' Compensation

Commercial Property

Other Coverages

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Rated 4.7/5

(5056 reviews)

Home inspector insurance that’s made for your business

NEXT specializes in providing customized insurance for small businesses and the self-employed. We offer affordable coverage tailored to home inspectors business so you are always protected against unpredictable events. The most common insurances packages bought by home inspectors business owners include:

General liability
Professional liability
Workers’ compensation
Commercial property

We specialize in providing the right type of home inspectors insurance for small businesses

NEXT is made for entrepreneurs, hustlers and home inspectors business owners who like to stay covered and save money.

General Liability

Bought by 95% of business owners like you

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 or you are held responsible for damaging property that doesn’t belong to you.

general liability can help you pay for:

Medical payments

Property damage

Legal fees and judgments

Real Estate E&O

Bought by 80% of business owners like you

Errors and omissions insurance (also known as professional liability or E&O insurance for home inspectors) helps you defend yourself if you’re accused of making a mistake that causes someone to lose money. For example, if you provide advice to a client that causes them to suffer financial losses, it could help cover related expenses to defend yourself. Real estate agents will often require agents to carry E&O coverage.

professional liability can help you pay for:

Legal defense costs

Legal judgments

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

What customers say about us

quick, efficient and valuable

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

Robert P.

4/18/2023

Amazing Product

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

Shane P.

4/15/2023

TONY DUONG

VERY GOOD AGENT AND FAST SERVICE

Tony D.

3/31/2023

CFO

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

Edward A.

12/25/2022

Easy set up

Ap was very easy and quick approval.

Linda G.

11/3/2022

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.

6/4/2022

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.

2/27/2022

Awesome easy apply

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

LAURA S.

5/28/2021

It was fast.

Max L.

4/10/2021

Fast Quote same day policy

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

Thurayah M.

1/9/2020

See the coverage plans for home inspector Insurance

You can pay for your insurance monthly or annually and you can cancel instantly at any time.

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

Cost of home inspectors insurance

NEXT makes sure that a home inspector business gets the right coverage for the most competitive rates. Policies are customized for you so they:

Your work experience
Your claims history
How many vehicles you use for work
How many employees you have

Your home inspector business risks can change from time to time and that can impact your insurance needs. We’re here to make sure you always have the right coverage.

Why does a home inspector need business insurance?

home inspectors need insurance to help stay protected from financial losses after accident. It can also offer protection from costs related to business disagreements, and it can help you qualify for licenses. You might need insurance to:

Align with industry standards and state requirements for a home inspectors business.
Change with your business as you experience fluctuations.
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.

Frequently asked questions about home inspector business insurance

Here are some of the most common questions we get about home inspector business insurance. If you don’t find the answers you need here, our licensed, U.S.-based insurance advisors are standing by to help via online chat or phone.

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

Yes, NEXT Insurance cover home inspector for General Liability, Professional Liability, Workers' Compensation, Commercial Property.

Does NEXT Insurance cover my home inspector business for Commercial Property?

Yes, NEXT Insurance cover home inspector for General Liability, Professional Liability, Workers' Compensation, Commercial Property.

How can I get a certificate of insurance?

You’ll have instant access to your certificate of insurance 24/7 from your computer or mobile device when you purchase coverage with NEXT. There’s no waiting for anyone, no need to print anything and definitely no fax machines. If you’re a new or current NEXT Insurance customer, all you need to do is log in to your account and your Live Certificate delivers you the proof of insurance you need instantly, for free. You can easily share your COI with anyone via email, text message or a social media post. We provide unlimited certificates and you can also add an additional insured for free. If you decide to change your coverage, your certificate will be automatically updated. Find out more details about your certificate of insurance.

How are claims paid out?

For some claims, you will receive a check in the mail. Other claims may be eligible for direct deposit. Your claims advocate will explain how you will receive your payment.

If I work from my home, will my homeowners 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. NEXT helps you cover what your homeowner insurance doesn’t.

Next Insurance, small business insurance

Coverage on-the-go for policyholders

Manage your policies, send and create certificates of insurance, or file a claim with our app.

More professions that are covered by NEXT

Real Estate Broker, Home Inspectors, Real Estate Appraisal, Estate Liquidator, Makerspace, Mortgage Broker, Property Management, Real Estate Agent, Real Estate Investor

* To the extent permitted by law, applicants are individually underwritten, not all applicants may qualify. Individual rates and savings vary and are subject to change. Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only.