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Insurance Program Managers Group (IPMG)
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Insurance Program Managers Group (IPMG)
Contact Us
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Home Inspector Insurance

Home Inspector Insurance Program
 
Insurance Program Managers Group (IPMG) offers a focused Home Inspector Insurance Program designed to address the specific liability exposures faced by professional home inspectors. Written as a package policy, the program combines Professional Liability (Errors & Omissions) and General Liability to help protect your clients from allegations of negligent acts, errors, or omissions arising from residential or light commercial property inspections. Mono-line Professional Liability (E&O) is not available — General Liability must be included.
 

Ideal Accounts and Appetite

This program is a strong fit for experienced individual inspectors and established inspection firms offering a broad range of services. Typical eligible operations include:
  • Wood-destroying insect or organism inspections
  • Pool and spa inspections
  • Water and septic system testing
  • Carbon monoxide testing (including cracked heat exchangers)
  • New construction inspections, code compliance reviews, radon testing, mold evaluations, and lead-based paint assessments
Inspectors who transitioned from the construction trades may be considered if they can demonstrate at least three years of relevant construction experience. Applicants should generally be experienced in the services they provide and use standard, written inspection contracts.

Coverage Highlights and Advantages

IPMG’s Home Inspector Insurance Program provides comprehensive, flexible options to meet common agent and insured needs:
  • Professional Liability (E&O) – Claims-made basis with limits available up to $1,000,000
  • General Liability – Occurrence-based coverage required as part of the package
  • Blanket Additional Insured – Available for referral agents where needed
  • SIR (Self-Insured Retention) – Options start as low as $1,000
  • Supplemental Tail – Offered for extended reporting when eligible
  • Prior Acts Coverage – Available for qualifying risks

Underwriting Notes and Minimum Premiums

To obtain a quote, submissions must include complete documentation:
  • Signed and completed application (required even for underwriting/quote)
  • Company brochure or website page describing services
  • Three years of loss history
  • Copy of the standard inspection contract used by the applicant
  • Proof of membership in a recognized industry association (for example NACHI, ASHI, NAHI)
  • Proof of passing a state or national inspection exam
The program’s minimum premium starts at $750. Underwriters may request additional documentation depending on the scope of services, limits, and risk characteristics.

Territories and Availability

This program is available on a non-admitted basis in Florida (FL), Illinois (IL), and Missouri (MO). Coverage is underwritten through Penn America Group.

Why Work With IPMG?

As a Managing General Agency and Excess & Surplus Lines broker, IPMG brings niche underwriting expertise for inspection and inspection-adjacent exposures. Agents benefit from IPMG’s:
  • Direct access to a specialized E&S market (Penn America Group) for harder-to-place inspection risks
  • Underwriting teams experienced in inspection services and contract wording
  • Flexible options for SIRs, supplemental tail, and prior acts where appropriate
  • Streamlined submission requirements that make quoting more efficient for producers
Example scenarios you can place through this program:
  • You have a sole proprietor who performs residential inspections, radon testing, and pool inspections and needs a combined E&O/GL package with a modest SIR.
  • You represent a small inspection firm whose principal has a construction background and three years of documented construction experience; they offer new construction and code compliance inspections and require limits up to $1M.
IPMG is positioned to help agents place these types of accounts with tailored terms and a focus on inspection-specific exposures.

Frequently Asked Questions

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

Experienced individual home inspectors or inspection firms offering residential or light commercial services are ideal. Applicants with relevant construction backgrounds may also qualify.

Is mono-line E&O coverage available?

No. This program is offered only as a package that includes both Professional Liability (E&O) and General Liability.

What documentation is required to submit a quote?

A signed application, a brochure or website detailing services, three years of loss history, a standard inspection contract, and proof of association membership and exam completion are required.

What states is the program available in?

This program is available on a non-admitted basis in Florida, Illinois, and Missouri.

What is the minimum premium for this coverage?

The minimum premium begins at $750; final pricing depends on underwriting, limits, and the insured’s loss history.

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

U.S. States Available

  • U.S. States Available:
  • Provider Type:
    Managing General Agency and Excess & Surplus Lines Broker
  • Admitted:
    No States
  • Carriers:
  • Carrier Ratings:
    A
  • Commission:
    10%
  • Min Premium:
    $750

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CONTACT INFORMATION

LOCATION

225 Smith Rd
St. Charles, IL 60174
888-377-5845
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Insurance Program Managers Group (IPMG) has other insurance programs like Animal Handlers Insurance.