Overview of the Program From U.S. Risk
U.S. Risk Insurance Group, Inc. offers a comprehensive Errors and Omissions (E&O) insurance program tailored specifically for home inspectors. This solution is designed to help insurance agents and brokers place coverage for clients involved in a wide range of residential and commercial property inspections. With flexible underwriting, broad coverage options, and availability in all 50 states, this program is ideal for both independent inspectors and larger inspection firms.
Ideal Accounts and Appetite
This program is ideal for licensed and experienced home inspectors who perform various types of inspections, including:
- Residential and commercial property inspections
- Code compliance inspections
- Insurance and loss control surveys
- Pool and spa inspections
- Septic tank inspections
- Wood-destroying insect/organism inspections
- Radon and lead detection and reporting
You may have a client who recently launched an inspection business or a seasoned professional expanding into specialized inspection services. This program can accommodate both scenarios, including prior acts coverage when needed.
Coverage Highlights and Advantages
Key features of this E&O program include:
- Defense outside the limit option available
- Limits ranging from $100,000 to $5,000,000
- Minimum premium starting at $1,250
- Minimum deductible of $1,000
- Free certificates of insurance
- Prior acts coverage available
- General liability coverage available as an add-on
- Coverage for contingent bodily injury and property damage
- Referring agencies can be added as additional insureds
- Flexible binding options — can bind using other carrier applications
This program goes beyond basic E&O protection by also including coverage for high-risk exposures like radon and lead detection, as well as wood-destroying insect inspections — areas where many standard policies exclude or limit coverage.
Underwriting Notes and Minimum Premiums
The program is underwritten with a minimum premium of $1,250 and a minimum deductible of $1,000. U.S. Risk offers flexibility in using other carrier applications, expediting the process for agents with clients ready to bind coverage. Defense outside the limits is also available, adding further value to this offering for more complex or high-risk inspection businesses.
Territories and Availability
This program is available in all 50 states, including the District of Columbia. Whether your client is a solo inspector in a rural area or a multi-state operation, U.S. Risk can provide scalable solutions that comply with local standards and industry best practices. Most available markets are admitted, depending on the specific state and risk profile.
Why Work With U.S. Risk on This Business
U.S. Risk Insurance Group, Inc. brings deep expertise in niche professional liability programs and works with a variety of carriers to offer flexible, competitive solutions. Their home inspector E&O program is backed by responsive service, quick turnaround, and the ability to accommodate a broad range of inspection specialties. As a trusted partner to independent agents across the country, U.S. Risk makes it easier to place and service this specialized line of business with confidence.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for licensed home inspectors performing residential or commercial inspections, including specialized services like radon detection, septic inspections, and insect evaluations.
Is prior acts coverage available?
Yes, prior acts coverage is available for qualified risks, helping protect inspectors with existing exposure from previous work.
Can I use another carrier’s application to submit business?
Yes, U.S. Risk can bind and issue policies using applications from other carriers, making the submission process more convenient for agents.
Is general liability available with this E&O coverage?
Yes, general liability coverage can be added to the E&O policy, providing broader protection for your client’s business operations.
What is the minimum premium for this program?
The minimum premium starts at $1,250, with deductibles beginning at $1,000. Premiums may vary based on limits and risk profile.
Need help placing an account? Connect with a market specialist.