Overview — Caitlin Morgan Insurance Services: Home Inspectors E&O Insurance
Caitlin Morgan Insurance Services offers a specialized Home Inspectors E&O program through a panel of various carriers. As a wholesale broker, we work with agents and brokers to place residential inspection firms that need professional liability protection tailored to the risks of home inspection work. The program is designed for inspectors and small inspection companies that focus on residential properties and related ancillary inspections (such as radon or pest).
Ideal Accounts and Appetite
- Residential home inspection firms and independent inspectors
- Inspectors offering ancillary services such as radon testing and pest inspections (available on many submissions)
- Small to mid-size firms with standard inspection agreements and reasonable annual inspection volume
This program generally does not target large commercial inspection firms, structural engineers acting in an engineering capacity, environmental remediation contractors, or inspectors whose operations include significant specialty contracting outside typical inspection reporting.
Coverage Highlights and Advantages
- Limits from $100,000 to $5,000,000 to match a range of risk tolerances
- Premises liability coverage options to address onsite exposures
- Radon and pest inspections coverage available on many programs
- Deductible flexibility: commonly offered options of $1,500 / $2,500 / $5,000
- Minimum premiums as low as $1,500 on eligible risks
Underwriting Notes and Submission Checklist
Underwriters will evaluate: inspection experience and credentials, sample inspection reports and standard client contract, annual inspection volume, services offered (radon/pest, pool, septic, etc.), claims history, and staff/employee details. Accurate sample agreements and clear disclosure of additional services help secure broader coverage terms.
Typical items to include with a submission: completed application, sample inspection agreement/report, résumé or licensing details for the principal inspector, and loss runs (if available).
Territory and Availability
This E&O program is available across the following states: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY. As a wholesale broker, Caitlin Morgan places business with admitted and non-admitted carriers as appropriate for the risk and territory.
Why Place Home Inspectors E&O with Caitlin Morgan Insurance Services?
- Wholesale broker expertise: access to multiple carrier relationships for competitive options
- Underwriting geared to residential-focused inspectors and ancillary services
- Flexible limits and deductible structures to fit small firms and growing practices
- Responsive submission review and practical underwriting feedback to help place borderline risks
Example Scenarios
You might have a single-inspector business that performs 200 residential inspections per year and offers radon testing as an add-on — this program can provide an E&O policy with radon coverage and a deductible that matches the client's budget. Or you may be placing a two-person firm that performs home and pest inspections and wants premises liability included on the same policy; the program routinely accommodates these packages.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Residential home inspectors and small inspection firms that focus on single-family and multi-family residential properties, including those that offer ancillary services such as radon or pest inspections, are the primary fit. Larger commercial inspection operations and engineering firms are generally outside the program's appetite.
What limits, deductibles, and coverages are available?
The program offers limits ranging from $100,000 up to $5,000,000, with deductible options commonly including $1,500, $2,500, and $5,000. Premises liability and endorsements for radon and pest inspections are available depending on the carrier and underwriting review.
Which states are covered and how is the program placed?
This program is available in the listed states across the U.S. Caitlin Morgan Insurance Services places business through its carrier panel as a wholesale broker, using admitted or non-admitted carriers where appropriate for the risk and jurisdiction.
What information should I include with a submission to improve placement chances?
Provide a completed application, sample inspection agreement and a recent sample report, details on the inspector(s) and licenses/certifications, annual inspection volume, a description of ancillary services offered, and loss runs if available. Clear documentation of inspection practices and client contract language helps underwriters evaluate risk quickly.
Need help placing an account? Connect with a market specialist.