The property inspector insurance specialists
Professional Liability / E&O and General Liability built for home and property inspectors — from residential inspections to commercial property assessments.
No spam. Licensed agents build your custom quote and send it back for you to review — typically the same business day.
Get your free quote
Our licensed agents build your custom quote — typically same business day.
How it works
A few basics on your inspection business — name, address, and how to reach you.
Licensed agents build your Professional Liability / E&O and General Liability quote and send it back for you to review — typically the same business day.*
Look over your options and enroll whenever works for you — no site visit required.
Once you bind, we can help get a certificate of insurance to a client, lender, or agent quickly.
*Quote turnaround is typical during normal business hours and may vary. Coverage, availability, and eligibility are subject to underwriting and approval.
“A buyer closes on the house. Six months later, they claim you missed something. We build coverage around that exact exposure.”
— Property Inspector Insurance
Coverages
Plain-English protection, matched to your real exposures.
Primary coverage
Errors & Omissions (E&O) and Professional Liability generally mean the same thing in this context. This coverage is designed to help respond to covered claims alleging an error, omission, or negligence in the inspection itself — for example, an allegation that a defect or condition was missed or not properly reported. It’s the coverage most inspectors need most, subject to policy terms.
How E&O / PL works →Secondary coverage
GL is different from E&O. It’s built for eligible third-party bodily injury and property damage claims arising from your business operations — a client trips during a walkthrough, or something gets damaged on-site. GL does not respond to allegations about the accuracy of your inspection findings; that’s what Professional Liability / E&O is for.
How GL works →Coverage descriptions are general summaries. Actual coverage is governed by the policy issued and is subject to underwriting, terms, conditions, exclusions, and carrier availability.
Who we insure
Need a Certificate of Insurance? See how COIs work for inspectors →
Wondering about price?
See what typically drives the cost of Professional Liability / E&O and General Liability for inspection businesses, and what you might expect to pay.
See the full cost breakdown →FAQ
For property and home inspectors, yes — Errors & Omissions (E&O) and Professional Liability generally refer to the same type of coverage. Both describe protection designed to help respond to certain covered claims alleging errors, omissions, or negligence in your professional inspection services. You don’t need to buy two separate products; when we say “Professional Liability / E&O,” we mean one coverage.
Professional Liability / E&O is designed to help with covered claims about the inspection itself — for example, an allegation that a defect was missed or misreported. General Liability is designed for eligible third-party bodily injury or property damage claims connected to your business operations, like a client tripping during a walkthrough. GL generally does not respond to claims about the accuracy of your inspection report; that’s what Professional Liability / E&O is for.
A common scenario is a buyer alleging that an inspector failed to identify or properly report a condition that was later discovered, and that this affected their decision to purchase or the price they paid. Professional Liability / E&O is designed to help respond to certain covered claims of this type, subject to the policy’s terms, conditions, and exclusions.
We work with private-sector commercial property inspectors performing property condition assessments for lenders and investors. Coverage stays within general property/building inspection services and does not extend to engineering opinions, structural engineering, or specialized services outside a typical inspection scope.
Fill out the short form on this site and our licensed agents typically build your custom quote the same business day. We prepare it based on the information you submit — you’re not filling out a lengthy application.
Just your business name, address, and contact information to start. Our licensed agents follow up to gather anything else needed to prepare your quote.
Both. Whether you’re a single-inspector operation or a growing firm with multiple inspectors on staff, we work with carriers suited to your size.
Yes. Once you’re bound, we can help you get a certificate of insurance to whoever needs proof of coverage. See our COI page for details.
Tell us your address on the quote form and we’ll confirm whether coverage is available for your business — eligibility and options vary by state.
Property Inspector Insurance focuses specifically on home, property, and building inspection businesses, which means our quote process, our coverage explanations — including how Professional Liability / E&O and General Liability work together — and our agents’ conversations are all built around how inspection businesses actually operate, not retrofitted from a generic commercial policy.
Property Inspector Insurance connects you with licensed agents who build your custom quote — typically back the same business day. Review it, enroll when you’re ready, and get proof of coverage when you need it.
The specialist insurance program for property and home inspectors.