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U.S. Risk Insurance Group, Inc. – Home Inspectors E&O Insurance Program 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.

Specialized Shuttle Vehicle Insurance Program from U.S. Risk Insurance Group U.S. Risk Insurance Group, Inc. offers a comprehensive insurance solution designed specifically for shuttle and people-mover operations. This program is backed by an A+ XV rated admitted carrier and is tailored to meet the unique liability and property exposures associated with commercial passenger transport. Whether your clients operate fixed-route transit buses or non-EMT passenger vehicles, this program delivers the coverage and support they need — and the underwriting expertise you expect. Ideal Accounts and Appetite This program is ideal for accounts with annual premiums of $75,000 or more and includes the following target classes: Shuttle and people-mover operations Fixed-route transit buses Non-emergency medical transport (non-EMT) vehicles You might have a client that operates a private airport shuttle service or a company providing employee transportation between facilities — both would be excellent fits. The program is designed for fleets with a strong operational history and a focus on safety and compliance. Coverage Highlights and Advantages This market offers a robust set of coverage features and benefits: Auto liability limits available up to $5 million Physical damage coverage included Very low deductible options Incidental General Liability can be written alongside auto coverage Competitive pricing and highly responsive claims handling Proactive loss control resources to help reduce future exposures Underwriting Notes and Submission Requirements A complete submission is required for underwriting consideration. Please include: Completed ACORD applications: 125, 127, 137 (and 126 if incidental GL is requested) Public Auto questionnaire Vehicle schedule with details: description, garaging location, usage, radius, passenger capacity, and cost new Five years of currently valued loss runs Current financial statement Driver list and current MVRs Minimum premiums vary based on account size and risk characteristics, but this program is generally suited for larger accounts with complex needs. Territories and Availability Coverage is available in all 50 states, including Washington D.C. U.S. Risk accesses a variety of markets to ensure broad national availability with flexibility to meet local regulatory and operational requirements. Why Work With U.S. Risk Insurance Group? As a leading excess and surplus lines broker, U.S. Risk has deep experience in the transportation sector. Our specialized shuttle vehicle insurance program is backed by strong carrier relationships and a service-oriented team that understands the unique challenges of this niche. From underwriting to loss control, we deliver responsive, knowledgeable support to help you close and retain accounts. Frequently Asked Questions What types of accounts are a good fit for this shuttle vehicle insurance program?Ideal accounts include shuttle and people-mover operations with annual premiums of $75,000 or more, such as fixed-route transit buses and non-EMT vehicles. Is incidental General Liability coverage available?Yes, incidental GL can be written in conjunction with the auto liability coverage for qualifying accounts. What are the submission requirements for this program?A complete submission includes ACORD forms, a Public Auto questionnaire, vehicle schedule, five years of loss runs, financials, and driver/MVR information. What carrier backs this program?The program is backed by an A+ XV rated admitted carrier, offering financial strength and claims reliability. Is this program available nationwide?Yes, this shuttle vehicle insurance program is available in all 50 states and Washington D.C. Need help placing an account? Connect with a market specialist.