Home inspectors face distinct professional-liability exposures and can be held responsible for actual or alleged inspection errors. From missed structural defects to failure to disclose hazards, these claims can quickly threaten a practice’s finances and reputation. Capitol Special Risks (CSRisks) offers a tailored Home Inspector Insurance program that helps protect your clients with targeted Errors & Omissions (E&O) and General Liability solutions for residential and light commercial inspections.
Program Overview from Capitol Special Risks
CSRisks is a fully licensed wholesale broker that places surplus lines coverage through multiple markets. Our team includes Certified Insurance Counselors and Professional Liability specialists who work with retail agents to craft E&O and General Liability packages for home inspectors. The program is designed for straightforward placement, responsive underwriting, and practical coverage tailored to inspection operations of varying size and scope.
Ideal Accounts and Appetite
This program is a strong fit for licensed home inspectors whose primary business is residential property inspections. Incidental commercial work (under 10% of revenue) is accepted automatically. Typical clients include:
- Independent, single-inspector practices
- Small to mid-size inspection firms with multiple inspectors
- Inspectors offering ancillary services such as radon testing, pool/spa, or septic inspections
You can place accounts of any size—solo operators to multi-inspector firms—on a single policy with tiered pricing for additional inspectors.
Example scenarios: You might have a solo inspector who adds radon and mold testing and needs combined E&O and GL limits, or a three-inspector firm that wants one policy to cover staff with consistent limits and an affordable per-inspector premium.
Coverage Highlights and Advantages
Our Home Inspector Insurance program contains core protections and flexible options that agents can apply to common inspection exposures:
- E&O Coverage: Liability for alleged or actual negligence, missed defects, improper inspection, and reporting errors.
- General Liability: On-premises Bodily Injury & Property Damage, with a $500,000 sublimit available for the corporate entity.
- Prior Acts Coverage: Available where included on the applicant’s current policy and approved by underwriting.
- Automatic Tail Coverage: 60 days of automatic reporting period following policy expiration.
- Multi-Inspector Flexibility: Add additional inspectors under one policy with incremental premiums (typically $1,000–$1,500 each).
- Referring Party Coverage: Protects third parties for vicarious liability arising from covered wrongful acts.
Optional enhancements let you tailor limits and exposures for specialty services, including:
- Mold, lead paint, and WDI/termite inspections
- Water, septic, pool & spa inspections
- New construction and phase inspections
- EIFS/stucco and code-compliance evaluations
- Carbon monoxide detection and cracked heat exchanger issues
- Extended tail coverage (1–3 years)
Underwriting Notes and Minimum Premiums
Underwriting evaluates each account based on the number of inspectors, revenue mix, scope of services, and claims history. Minimum premiums vary by those factors and by optional coverages selected; submissions are reviewed individually to ensure an appropriate fit. CSRisks emphasizes fast turnaround and transparent placement—there is no broker fee charged on placements through this program.
Territories and Availability
Available on a non-admitted (surplus lines) basis in all 50 states, including DC. CSRisks places business nationwide, from high-exposure urban markets to rural territories, making the program a practical option for agents with clients across diverse geographies.
Why Work With Capitol Special Risks
Capitol Special Risks combines surplus lines access with Professional Liability expertise to help agents place challenging home inspector accounts. Our team provides practical underwriting guidance, flexible endorsement options, and quick response times so you can secure the right coverage for your clients without unnecessary delays. Fast turnaround and no broker fee help you keep placements competitive and straightforward.
Contact CSRisks to discuss placements or submit a quote request through your usual surplus lines workflow.
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 works well for independent home inspectors, small to mid-sized inspection firms, and inspectors who provide ancillary services such as radon or pool inspections. Commercial inspections are acceptable if they represent less than 10% of revenue.
Are multiple inspectors covered under a single policy?
Yes. Multiple inspectors can be consolidated on one policy. Additional inspectors are typically added for an incremental premium, commonly between $1,000 and $1,500 each depending on exposure.
What optional coverages are available?
Available enhancements include mold, lead paint, water/septic, WDI/termite, EIFS/stucco, carbon monoxide, new construction inspections, and extended tail coverage of 1–3 years.
Is prior acts coverage available?
Yes. Prior acts (retroactive) coverage can be considered when it was included on the insured’s current policy; each request is reviewed by underwriting for eligibility.
In which states is this program available?
The program is available in all 50 states on a non-admitted basis. CSRisks can assist agents placing business nationwide.
Need help placing an account? Connect with a market specialist.