Home Inspectors E&O Insurance from Fox Point Programs
Fox Point Programs offers specialized Errors and Omissions (E&O) Insurance tailored for Home Inspectors. Also known as Professional Liability Insurance, this coverage helps protect inspectors and their employees from claims of negligence, errors, or omissions that may arise during the course of their work. As a Managing General Agency with access to a range of carriers, Fox Point can also provide optional General Liability (GL) coverage to further safeguard your clients’ operations.
Ideal Accounts and Target Classes
This program is designed for licensed Home Inspectors who conduct residential and commercial property inspections. It also has limited availability for compliance and code inspectors. Whether your client is a sole proprietor or operates a multi-inspector firm, Fox Point offers flexible solutions to meet their risk management needs.
Examples of suitable risks include:
- A residential home inspector operating in multiple counties with part-time administrative staff.
- A commercial property inspector looking for E&O limits up to $1M/$1M and optional radon/termite coverage.
Coverage Highlights and Advantages
Professional Liability (E&O) Coverage:
- Available nationwide for eligible classes*
- Policy limits up to $1M/$1M*
- Deductibles starting at $1,000*
- Includes up to 2 hours of Risk Management consultation at no cost
- Referring Party Coverage included at no cost
- Optional Radon and Termite inspection coverage
- Extended Reporting Period (ERP) options for 1, 2, or 3 years
- Automatic 30-day post-reporting period
- Self-rating applications available for qualifying applicants
General Liability (GL) Coverage:
- GL limits up to $1M/$1M*
- First Dollar Coverage – no deductible applies for GL policies
- Premiums starting at $79
*Some restrictions may apply
Underwriting and Applications
Fox Point offers a streamlined underwriting process, including self-rating applications for qualified accounts. Agents can choose between the full application or the simplified self-rating form, depending on the risk profile.
Download Applications:
Home Inspectors Full Application
Home Inspectors Self-Rating Application
Territories and Admitted Status
This program is available in most U.S. states, including but not limited to CA, FL, TX, NY, and IL. Coverage is offered in both urban and rural areas, with admitted status in most states. Check current state availability and any restrictions when submitting risks.
Why Work With Fox Point Programs
Fox Point Programs specializes in professional liability solutions and brings deep expertise in niche markets like home inspection. Their flexible underwriting, access to multiple carriers, and value-added services like complimentary risk management consultations make them a trusted partner for agents nationwide.