Home Inspector Business Insurance: Key Coverages Every Inspector Needs
- Feb 19
- 2 min read
Running a home inspection business involves unique risks, from property damage to liability claims. Understanding Home Inspector Business Insurance and the key coverages every inspector needs helps protect your business, clients, and equipment. While a personalised Home Inspector Business Insurance quote provides exact pricing, knowing which coverages are essential ensures you get the right protection without overpaying.
Below are the most important coverages for home inspection businesses today.
General liability protects your business from third-party claims of property damage or bodily injury during inspections. This coverage is essential for:
Accidental damage to a client’s property
Injuries to clients or visitors while on-site
Legal defence costs if a claim arises
Having adequate general liability coverage is the foundation of any home inspection business insurance policy.
Professional liability insurance protects inspectors against claims of negligence, mistakes, or omissions in their inspections. This coverage is critical because:
Reports may miss hidden defects
Clients may allege inaccurate evaluations
Legal defence costs can be significant
Proper professional liability coverage ensures inspectors can operate confidently without risking financial loss.
Business property coverage protects your equipment, office space, and tools. Inspectors often rely on:
Cameras and moisture meters
Drones and ladders
Computers and reporting software
Insuring these assets ensures that your business can recover quickly in case of theft, damage, or natural disasters.
Business interruption coverage compensates for lost income if your business cannot operate due to a covered event. This may include:
Forced closure due to property repairs
Adding this coverage helps maintain cash flow and keeps your business running smoothly.
If you have employees, workers’ compensation is typically required. It covers medical expenses and lost wages for employees injured on the job, helping protect both staff and your business.
Secure Your Home Inspector Business Insurance Today
Choosing the right Home Inspector Business Insurance doesn’t have to be complicated. Wexford Insurance helps home inspection business owners evaluate risks, compare carriers, and secure comprehensive coverage tailored to their operations.
👉 Request your Home Inspector Business Insurance quote from Wexford Insurance today and protect your business, equipment, and clients with confidence.
