For insurance buyers, insurance agents and insurance wholesalers!For insurance buyers, insurance agents and insurance wholesalers!
AI Risk
Contact Us
contact_phone Click to call
AI Risk
Contact Us
contact_phone Click to call

Home Inspectors Liability

Key Risk Groups:

Residential Home Inspectors (will allow up to 25% light Commercial work).

Overview of the Program From AI Risk:

AI Risk offers a specialized Home Inspectors Liability program designed to meet the unique needs of residential home inspectors, including those who occasionally handle light commercial inspections (up to 25% of their work). This program is tailored to help you place business for clients needing comprehensive liability protection in a field where professional oversights and environmental exposures can lead to costly claims.

Backed by AIG and available in all 50 states plus Washington, DC, this program gives agents access to broad liability coverages underwritten by a carrier with strong financial stability. Whether your client is a one-person operation or a growing inspection firm, AI Risk provides flexible options that can match a variety of risk profiles.

Ideal Accounts and Appetite

This program is a strong fit for:
  • Residential home inspectors seeking professional liability protection
  • Inspectors who occasionally perform light commercial inspections (up to 25%)
  • Small to mid-sized home inspection businesses looking for comprehensive, customizable coverage
You might have a client who inspects residential properties and occasionally gets referrals for small retail or office buildings—this program is designed to accommodate that kind of business.

Coverage Highlights and Advantages

AI Risk’s Home Inspectors Liability program offers core professional liability coverage with optional endorsements to address key exposures in the home inspection industry:
  • Professional Liability tailored to home inspection services
  • Optional Premises Liability (sublimits apply)
  • Optional Termite Inspection Coverage (sublimits apply)
  • Optional Radon Testing Coverage (sublimits apply)
  • Referral Endorsement for Real Estate Agents and Brokers—protects relationships that drive business
These options allow you to build a policy that reflects the actual services your clients provide, helping them stay protected and compliant in a detail-sensitive field.

Underwriting Notes and Minimum Premiums

The program offers a $1,000,000 limit with a starting premium of $3,150. Lower limits are available at reduced premiums. Underwriting is focused on aligning coverage with actual exposures while maintaining competitive rates.

Territories and Availability

AI Risk’s Home Inspectors Liability program is available on an admitted basis in all 50 states and Washington, DC. This nationwide availability ensures that you can place qualifying inspection accounts no matter where your clients operate.

Why Work With AI Risk on This Business

As both a Managing General Agency and carrier partner, AI Risk brings underwriting expertise, responsive service, and access to AIG’s capacity. Their commitment to the home inspection niche means you get a program built around real industry needs—not a generic E&O policy. With flexible coverage options, competitive pricing, and nationwide availability, AI Risk helps you deliver value and peace of mind to your clients in the home inspection field.

Frequently Asked Questions

What types of accounts are a good fit for this program?

This program is ideal for residential home inspectors, including those who do up to 25% light commercial work.

Are optional coverages available?

Yes. Optional coverages include Premises Liability, Termite, Radon, and a Referral Endorsement for real estate agents and brokers. Sublimits may apply.

Is this program available nationwide?

Yes, AI Risk offers this program on an admitted basis in all 50 states and Washington, DC.

What is the minimum premium for this coverage?

The minimum premium for a $1,000,000 limit starts at $3,150. Lower limits are available at reduced premiums.

Who is the carrier behind this program?

The program is backed by AIG, providing financial strength and stability.

Need help placing an account? Connect with a market specialist.

U.S. States Available

  • U.S. States Available:
  • Provider Type:
    Managing General Agency and Carrier
  • Admitted:
    All Available States
  • Carriers:
  • Carrier Ratings:
    A.M. Best A XI rated
  • Commission:
    Varies
  • Min Premium:
    -

Browse

Request a Quote Now!

CONTACT INFORMATION

LOCATION

There are no locations attached to this storefront.

APPLICATIONS

  • Contact for Application
    Click here to contact the appropriate AI Risk office for more information and applications.

AGENCY LICENSING

Please call the Middle Market Program Manager in your area.
CompleteMarkets is The Insurance Industry's Professional Network
Please Register for FREE or Sign In to contact
Not an Insurance Agent? No problem, we help hundreds of people find the right agent/advisor every day!
Visit our dedicated Insurance Consumer section and we will recommend the right agent for your specific needs.
AI Risk has other insurance programs like Amateur Sports.