Home Inspector Insurance

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

Choose your primary coverage to get started:

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Professional Liability

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General Liability Insurance

General Liability

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Workers’ Compensation insurance

Workers' Compensation

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Commercial Property insurance

Commercial Property

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Other Coverages

Other Coverages

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Home inspector insurance that’s made for your business

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

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

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

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.

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.

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.

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
Most Popular
General Liability
Per occurrence
$1 million
Professional Liability (E&O)
Per occurrence
$1 million
Workers’ Comp
Per accident
$500,000
Commercial Property
Per occurrence
$30,000
Pro Plus
Best Coverage
General Liability
Per occurrence
$1 million
Professional Liability (E&O)
Per occurrence
$2 million
Workers’ Comp
Per accident
$1 million
Commercial Property
Per occurrence
$30,000
Cost of home inspectors insurance

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?

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 customer, all you need to do is log in to your account and your Certificate delivers you the proof of insurance you need instantly. You can easily share your COI with anyone via email, text message or a social media post. We provide unlimited access to customized certificates 24/7 at no additional cost. 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
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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.
What we cover
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© 2024 Next Insurance, Inc. 975 California Ave, Palo Alto, CA 94304, United States
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Issuance of coverage is subject to underwriting. Not available in all states. Please see the policy for full terms, conditions and exclusions. Coverage examples are for illustrative purposes only. Your policy documents govern, terms and exclusions apply. Coverage is dependent on actual facts and circumstances giving rise to a claim. Next Insurance, Inc. and/or its affiliates is an insurance agency licensed to sell certain insurance products and may receive compensation from insurance companies for such sales. Policy obligations are the sole responsibility of the issuing insurance company. Refer to Legal Notices section for additional information.

Any starting prices or premiums represented before an actual customer quote are not guaranteed and are representations of existing premiums of active policies as of December 6, 2023. 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.