For insurance buyers, insurance agents and insurance wholesalers!For insurance buyers, insurance agents and insurance wholesalers!
Insurance Program Managers Group (IPMG)
Contact Us
contact_phone Click to call
Insurance Program Managers Group (IPMG)
Contact Us
contact_phone Click to call

Home Inspector Insurance

Home Inspector Insurance Program
 
Insurance Program Managers Group (IPMG) offers a specialized Home Inspector Insurance Program tailored to meet the unique liability exposures of professional home inspectors. Designed as a package policy, this program combines Professional Liability (Errors & Omissions) and General Liability to help protect your clients from claims arising out of alleged wrongful acts, errors, or omissions during residential or commercial property inspections. Note: Mono-line Professional Liability coverage is not available—General Liability must be included.
 

Ideal Accounts and Appetite

This program is an excellent fit for experienced individual home inspectors and established home inspection firms. Eligible applicants typically offer a range of inspection services, including but not limited to:
  • 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, radon testing, mold evaluations, and lead-based paint assessments
If you have a client who has transitioned from the construction industry into inspections, they may also be considered—especially if they have at least three years of relevant construction experience.

Coverage Highlights and Advantages

IPMG’s Home Inspector Insurance Program offers comprehensive protection with flexible options to meet your clients’ needs:
  • Professional Liability (E&O) – Claims-made basis, with limits up to $1 million
  • General Liability – Occurrence basis
  • Blanket Additional Insured – For referral agents
  • SIR (Self-Insured Retention) – Starting as low as $1,000
  • Supplemental Tail – Available for extended reporting
  • Prior Acts Coverage – Available for qualifying risks

Underwriting Notes and Minimum Premiums

Submissions must include the following to receive a quote:
  • Signed and completed application (required even for quote)
  • Company brochure or website outlining services
  • Three years of loss history
  • Copy of standard inspection contract
  • Proof of membership in a recognized association (e.g., NACHI, ASHI, NAHI)
  • Proof of passing a state or national inspection exam
The minimum premium for this program starts at $750.

Territories and Availability

This program is available on a non-admitted basis in the following states:
  • Florida (FL)
  • Illinois (IL)
  • 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 deep industry knowledge and underwriting expertise to the table. Their focus on niche liability exposures, such as those faced by home inspectors, makes them a reliable partner for agents and brokers placing specialized risks. With tailored coverage options and a streamlined underwriting process, IPMG helps you offer competitive solutions that meet your clients' evolving needs.

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 construction backgrounds may also be considered.

Is mono-line E&O coverage available?

No, this program must be written as a package that includes both Professional Liability and General Liability.

What documentation is required to submit a quote?

You’ll need a signed application, a brochure or website, three years of loss history, a standard inspection contract, and proof of association membership and exam completion.

What states is the program available in?

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

What is the minimum premium for this coverage?

The minimum premium starts at $750, though final pricing depends on underwriting and risk characteristics.

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

Browse

Request a Quote Now!

CONTACT INFORMATION

LOCATION

225 Smith Rd
St. Charles, IL 60174
888-377-5845
View Map

APPLICATIONS

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.
Insurance Program Managers Group (IPMG) has other insurance programs like Animal Handlers Insurance.