Home inspectors face unique professional liability exposures and can be held liable for actual or alleged inspection errors. From missed structural issues to failure to disclose potential hazards, these professionals are vulnerable to lawsuits that can severely impact their business. Capitol Special Risks (CSRisks) offers a comprehensive Home Inspector Insurance program designed to protect your insureds from these risks and provide peace of mind in a highly litigious industry.
Program Overview from Capitol Special Risks
CSRisks is a fully licensed wholesale broker specializing in surplus lines coverage. With multiple Certified Insurance Counselors on staff, we provide expert guidance to retail agents seeking tailored Professional Liability and Errors & Omissions (E&O) solutions. Our Home Inspector Insurance program is designed to meet the unique needs of inspectors across a wide variety of residential and light commercial settings.
Ideal Accounts and Appetite
This program is a strong fit for licensed home inspectors performing residential property inspections, with incidental commercial inspections (less than 10% of total revenue) included automatically. Common clients include:
- Independent home inspectors
- Inspection firms with multiple inspectors
- Inspectors offering add-on services like radon testing or pool inspections
You can place accounts for firms of any size — from solo operators to multi-inspector businesses — under a single policy.
Coverage Highlights and Advantages
Our Home Inspector Insurance program includes critical protections and built-in features:
- E&O Coverage: Protects against claims of negligence, failure to identify issues, improper inspections, and more.
- General Liability: On-premises Bodily Injury & Property Damage with a $500,000 sublimit for the corporate entity.
- Prior Acts Coverage: Available if included in the current policy.
- Automatic Tail Coverage: 60 days post-policy expiration.
- Multi-Inspector Flexibility: Cover multiple inspectors under one policy with tiered pricing per additional inspector ($1,000–$1,500).
- Referring Party Coverage: Protects third parties for vicarious liability arising from covered wrongful acts.
Optional enhancements allow agents to customize coverage for specialized services such as:
- Mold, lead paint, and WDI/termite inspections
- Water, septic, pool & spa inspections
- New construction and phase inspections
- Code compliance and EIFS/stucco evaluations
- Carbon monoxide detection and cracked heat exchanger issues
- Extended tail coverage (1–3 years)
Underwriting Notes and Minimum Premiums
Minimum premiums vary depending on the number of inspectors, scope of services, and optional coverages selected. Our underwriters assess each account individually to ensure a proper fit and pricing structure. We offer fast turnaround and never charge a broker fee, helping you close more business efficiently.
Territories and Availability
This program is available on a non-admitted basis in all 50 states, including DC. Whether you’re placing business in urban markets like California or New York or rural areas in the Midwest or South, CSRisks can help provide access to the appropriate coverage.
Why Work With Capitol Special Risks
With decades of experience and a dedicated team of Professional Liability specialists, Capitol Special Risks offers a high level of service and customized solutions for agents working with home inspectors. Our team works closely with you to evaluate risks, answer coverage questions, and ensure your clients receive the right protection without unnecessary costs or delays.
Contact us today to learn more about placing your home inspector clients with Capitol Special Risks.
Fast turnaround and we never charge a broker fee!
In CA, Capitol Special Risks, Inc. dba: Capitol Special Risks Insurance Service - CA Fire & Casualty Agency - #0C46094
Frequently Asked Questions
What types of accounts are a good fit for this Home Inspector Insurance program?
This program is ideal for independent home inspectors, small to mid-sized inspection firms, and inspectors offering ancillary services such as radon or pool inspections. Commercial inspections under 10% of revenue are also acceptable.
Are multiple inspectors covered under a single policy?
Yes, the program allows multiple inspectors to be covered under one policy. Additional inspectors can be added for an incremental premium, typically between $1,000 and $1,500 each.
What optional coverages are available?
Optional enhancements include mold, lead paint, water/septic, WDI/termite, EIFS/stucco, carbon monoxide, new construction, and 1–3 year tail coverage extensions.
Is prior acts coverage available?
Yes, prior acts coverage is available if it was included in the insured’s current policy. Each submission is reviewed individually to confirm eligibility.
In which states is this program available?
This program is available in all 50 states on a non-admitted basis. Capitol Special Risks can help you place business regardless of location.
Need help placing an account? Connect with a market specialist.