Why Every Home Inspector Needs General Liability Insurance On-Site
- 7 days ago
- 2 min read
Home inspectors face unique risks while performing inspections on residential and commercial properties. Even minor accidents on-site, such as property damage or slip-and-fall injuries, can lead to costly claims. General liability insurance for home inspectors provides crucial protection for your business, clients, and professional reputation.
Why General Liability Insurance Matters for Home Inspectors
Every time a home inspector enters a property, they expose themselves to potential risks. According to the American Society of Home Inspectors, property damage and client injury claims are among the most common lawsuits faced by home inspectors. Without general liability coverage, you could be personally responsible for paying damages, legal fees, or medical costs, which could threaten your business’s financial stability.
Key Coverage Areas for Home Inspector General Liability Insurance
1. Home Inspector Property Damage Protection
Accidental damage during an inspection, such as scratching a hardwood floor or breaking a window, is covered under general liability insurance. This ensures your clients are reimbursed without affecting your personal or business assets.
2. Home Inspector Bodily Injury Coverage
If a client, visitor, or third party is injured while you are on-site, general liability insurance covers medical expenses and potential legal claims. For example, if a homeowner trips over your inspection tools, you are protected.
3. Home Inspector Legal Defense and Settlements
General liability insurance also covers defense costs and settlements in case of lawsuits related to accidents or injuries that occur on-site. Legal expenses can quickly exceed thousands of dollars, making coverage essential.
4. Home Inspector Contract and Client Requirements
Many real estate agencies and clients require home inspectors to carry general liability insurance before performing inspections. Having proper coverage demonstrates professionalism and builds trust.
Request a Free Home Inspector Insurance Quote from Wexford Insurance
For home inspectors, Wexford Insurance offers tailored general liability coverage designed to protect on-site operations. Safeguard your clients, property, and business by requesting a free home inspector insurance quote from Wexford Insurance today. Our expertise ensures your coverage meets professional standards and client expectations.
