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EliteMGA, powered by its own insurance carrier, EliteRE, has specially crafted coverage to protect the professional Home Inspector. Every inspector we insure has specialized home inspection education. Pool your risk with other educated inspectors for better coverage.
- 20+ years of experience insuring home inspectors in all 50 states
- Tailored coverage designed specifically for home inspectors
- Low premiums and competitive rates through our own insurance captive, EliteRE
- Only insurance carrier 100% dedicated to the home inspection industry
- Risk and claims management from the preeminent Home Inspection litigation attorney, Joe Denneler included in our program
- Pre-claims assistance with risk management tools to keep you out of a claim
- Worry free claims reporting: if we don’t pay anything, you don’t pay anything
Get Covered in Less Than 48 Hours
E&O Home Inspector Insurance Starting at $1,000 Per Year
Our policies can be tailored to your specific business needs, services offered, and state requirements. Here are the factors that will affect the cost of your E&O home inspection insurance.
Deductibles:
A variety of deductible options from $1,500 to $10,000
Limits:
The total dollar amount that will be paid for each liability type, from $100,000 to exceed $1,000,000
Policy Type:
Claims made vs occurrence policy
Ancillary Coverage:
Selection of specific services offered by your company
State:
Check yourstate insurance requirements for home inspectors
Business Specifics:
Number of Inspectors, Claims History, Retroactive date of your prior insurance (if you have been in business)
What’s Included in a GL and E&O Home Inspector Insurance Policy
All the coverage you need is included in our policy at no additional cost! Simply show your certification to meet our education requirements.
Errors and Omissions Insurance
Protects home inspectors from claims related mistakes, error or omission that caused a financial loss for the client.
General Liability Insurance
Protects home inspectors from claims related to property damage and personal injury to their customers or a third party.
Bodily Injury Insurance
Protects inspectors in the event that their actions or alleged errors in the inspection report result in someone being physically harmed.
Property Damage Insurance
Protects inspectors in the event that their actions or alleged errors in the inspection report result in damage to the property or loss of use of the property.
Ancillary Coverage Included with Education
Created BY home inspectors, FOR home inspectors, our coverage allows you to customize your insurance for business needs.
Termite/WDI $100,000 Coverage Included
Covers damage to a home caused by insects or termites that are discovered after the report is completed.
Mold $100,000 Coverage Included
Covers mold inspectors who use visual inspections, air and surface sampling, or moisture meters to determine if mold is present.
Radon $100,000 Coverage Included
Protects you from inaccurate testing for radon gasses, whether it’s due to your device malfunctioning or some other margin of error
EIFS/Stucco $100,000 Coverage Included
Covers testing errors while inspecting a home a home built with exterior materials that are prone to moisture, like EIFS or Stucco
Commercial $100,000 Coverage Included – Covers inspections for commercial buildings other than a home (limitations may apply)
Lead Paint $100,000 Coverage Included – Protects you during older home inspections that still contain lead paint in some capacity that was miss during the inspection
Pool/Spa $100,000 Coverage Included – Protects you in the event that your inspection fails to uncover issues in a pool’s decks, steps, interior finish, cleaning system, diving boards, or other features
Green Building Inspections $100,000 Coverage Included – Covers you if you offer inspections for energy efficiency
Indoor Air Quality Testing $100,000 Coverage Included – Covers inspectors who take air samples at the property and send them to an approved lab for testing
Infrared Thermography $100,000 Coverage Included – Protects you if your infrared technology does not detect a leaks, pests, electrical issues, or other problems after the inspection is completed
Rodent Inspections $100,000 Coverage Included – Protects you if there is rodent damage in a home, or signs of an infestation occur after an inspection
Septic/Water Testing $100,000 Coverage Included – Water and septic systems vary in complexity, and specific coverage can be added to extend to these services for the properly trained inspector
Drone-Aviation Liability $50,000 Coverage Included – Insures your UAS/UAV aircraft for physical damage while performing roof or other aerial inspections.
Additional Ancillary Coverage Options – Extra
Tool & Equipment Coverage – Protects your equipment and inspection tools from damage during inspections including tablets, drones, and other tools.
Have Questions? Contact Us!
Common Claims & Home Inspector Insurance Coverage to Protect You
| Type of Claim | Examples | Protection |
| Accidents |
| General Liability Insurance |
| Missed Defects |
| Errors & Omissions Insurance |
Claims Management with E&O Home Inspection Insurance
Claims can and do happen. With EliteMGA, we handle the entire process inhouse from insurance to risk management and claims to settlements.
Our E&O home inspection insurance covers judgments, settlements and defense costs that may be brought against the inspector, regardless of the merit behind the claim.
Home Inspector Testimonials
This company makes Home Inspector’s insurance affordable. When starting a business it’s costly enough. They are very professional and friendly as are their representatives. Would highly recommend them!
Dabby Doodle
The folks at EliteMGA are just that – elite. I have used them for insurance for several years now and really can’t speak highly enough. First, the responsiveness: emails and calls are returned not just the same day, but often in minutes. Second, the professionalism and thoroughness: I have been late making a payment or made an error on paperwork, and they go the extra mile to cover over mistakes or explain things well. For inspectors looking for E&O and general liability, EliteMGA is just the best.
Russell Capps
Best Home Inspectors E&O insurance out there. Super professional, very responsive and heplful. Ben Garrison is the man!
Vincent Giovanniello
Easy to use, quick response, able to answer all of my questions and provide the E&O and liability insurance I need.
Steve C
Our multi-inspector firm has been with EliteMGA for several years. Ben Garrison has provided us with crucial advice and great service over that time. We have no plans to look elsewhere for our E and O coverage. Like the man said, “Never quit a winner!”
Daniel Cullen
I moved my Home Inspection insurance to EliteMGA. They covered all the process we are currently doing and what we plan to do at a great rate. It was super simple and easy.
Lee Ruble
MGA has been the best bang for the buck in providing my home inspection insurance needs and always pleasant to deal with.
Don Halligan
I had the pleasure of speaking with Ben Garrison at length about insurance and liability. I not only learned what to look for when I was comparison shopping, but I received an invaluable education as to what exactly I needed to be insured for. I can’t rate this experience high enough. For home inspectors there’s only one guy you should be talking to.
Juan de la Cruz
Ive been in the home inspection business since 1998, EliteMGA is by far the best E&O / GL carrier I’ve ever dealt with. If you’re wise, you’re going to sign with EliteMGA.
John Weaver
As a home inspector EliteMGA was recommended to me by many of my peers. Everything has been great thus far and customer service is always prompt, friendly and knowledgeable. Luckily for me I have not had any claims filed but feel good knowing they are there for me.
Brandon Hedgeco*ck
They were very easy to deal with and to obtain my E & O Insurance from. I’m confident I got a great rate and know I can have peace of mind insuring with this group should I ever need to use it!
Gregg Pierson
Ben at Elite was so helpful walking me though the differences in insurance of my Inspection business. Elite has made home inspection insurance a 1-2-3 easy step process, highly recommend Ben and Elite for all there insurance needs.
Tony Tulich
The folks at EliteMGA are just that – elite. I have used them for insurance for several years now and really can’t speak highly enough. First, the responsiveness: emails and calls are returned not just the same day, but often in minutes. Second, the professionalism and thoroughness: I have been late making a payment or made an error on paperwork, and they go the extra mile to cover over mistakes or explain things well. For inspectors looking for E&O and general liability, EliteMGA is just the best.
Home Inspector
Kansas City, Kansas
I use EliteMGA for my new home inspection business and they have been great. The rates are competitive and the service is outstanding. Anytime I have a question, or need assistance Niccole from EliteMGA is there to help….
Mike Kuehnl
EliteMGA has been a pleasure to work with. They have guided me through the process and have been extremely understanding and patient as I learn my way through the business. I would highly recommend ALL new home inspectors check out EliteMGA! Having the certificate of liability insurance from EliteMGA readily accessibleforagents and customershashelped me earn new business.
Home Inspector
Fort Morgan, Colorado
EliteMGA is hands down the best for home inspection insurance. They care about their client’s and the level of care is top notch.
Steven Reeder
Best coverage for Home Inspectors. Great service and cost!
LDG Home Inspection, LLC
So easy. Great source for E&O and General Liability business coverage. Highly recommend. Niccole, their Sr. Program Rep is knowledgeable, courteous, and helpful.
TJB
I have been using EliteMGA for the last few years. They are very professional, responsive and answer all of the questions your would have. Perfect insurance for home inspectors. Love this company and will continue to use them for years to come. I highly recommend if your a home inspector to use EliteMGA for your insurance needs.
M Onasch
EliteMGA has been very responsive to my needs as a home inspector and the E&O Insurance cost is very competitive.
Steven Lawrence
When you have a question or a problem Eiipro either knows the answer or gets you the RIGHT answer. Any error and omission insurance company is only as good as the person you deal with, that is why I deal with Eiipro and have done so for years.
Michael DelGreco
When you are self-employed as a home inspector, being properly protected is extremely important which is why I’ve always carried E&O and General Liability insurance. After a very bad experience with another insurance agent that compromised coverage for all the inspections I’ve performed in the past, EliteMGA and Ben Garrison went to bat for more me in a big way. Fortunately, Elite has a great relationship with their insurance carrier partners and was able to solve a major problem for me and I could not be more grateful for their help. Elite has earned my business and my loyalty and most important, my respect. If you’re a home inspector in the market for E&O insurance, it would be a mistake not to contact Elite. They are the best in the business and I can now sleep comfortably at night knowing Elite has my back.
Home Inspector
Sacramento, CA
Elite got me a great rate on E & O insurance for my home inspection business, beating all the competition by over $500. Dave walked me through the entire process. I highly recommend using EliteMGA!
Marty Clark
Fran was great! He took the time to talk to me and walk me through everything. Its amazing that EliteMGA provides this very needed niche of insurance for Home Inspectors. I am very grateful.
David Gillette
By far the best E&O insurance for HI out there!
Andrian Kebalo
Best Home Inspection Insurance I’ve ever had!
Carl Harris
This will be my second year with EliteMGA for my home inspection general liability and Errors and Omissions insurance. Personally, I have never used a different company for home inspection insurance, but I have always had positive interactions and experiences with EliteMGA and would have no issues recommending them to other home inspectors I know.
Jarrett Ferris
Ben and Dave are great to work with. They have always been a call away and went to bat for me when we had a claim. They are also my agents for our home, auto and other lines of insurance.
Renegizzo21
I have had my E&O Coverage with these folks for years and have been satisfied with their customer service. They have responded quickly when I have needed any documentation to provide to new clients, lenders, builders, real estate brokers, etc.
Randy Curtis
EliteMGA was so easy to work with!! I would highly recommend them for all your Home Inspector insurance needs!!! – Paul Rondeau Viewpoint Home Inspections!!
Paul Rondeau
I have had EliteMGA as my E&O insurance for the last 22 years. The customer service is fantastic! And I can’t complain about the rates either! Thank you for all you do!
Ryan Sims
Home Inspection Insurance FAQs
Errors and omissions (E&O) insurance is a form of professional liability coverage designed to shield home inspectors, their employees, and other professionals from allegations of substandard work or negligent behavior.
It covers legal costs, settlements, and judgments arising from errors, omissions, missed deadlines, breaches of contract, or other mistakes in their services. Home Inspection E&O insurance can mitigate the financial risks associated with such claims.
- State Requirements: Professional Liability insurance for home inspectors is required in over 50% of the states. Check if it is required in your state!
- Financial Protection: It shields inspectors from financial losses due to claims of errors, omissions, or negligence during inspections, covering legal costs and settlements.
- Professional Reputation: Demonstrates professionalism and responsibility to clients, building trust by showing readiness to address any errors or omissions, enhancing credibility.
- Risk Management: Helps mitigate risks inherent in home inspections, providing coverage for potential claims and allowing inspectors to focus on their work with confidence.
- Protection Against Lawsuits: Guards against lawsuits from dissatisfied clients, covering legal defense costs and potential damages, ensuring financial security amidst legal challenges.
E&O insurance for home inspectors typically does not cover certain claims. EliteMGA can tailor a policy specifically designed for your home inspection business to fully protect you against all common claims in the home inspection industry. Some areas not covered by E&O insurance include property damage, personal injury, intentional misconduct, and general liability.
The cost of Errors and Omissions (E&O) insurance for home inspectors can vary based on several factors including:
- Coverage Limits
- Deductible
- Location
- Experience and Claims History
- Ancillary Services Offered
HAVE MORE QUESTIONS? CONTACT US!
