What Kind of Insurance Do I Need for a Home Inspection Business?
- Nate Jones, CPCU, ARM, CLCS, AU
- Sep 25
- 2 min read
Starting a home inspection business is a smart move in the real estate and property services industry. Whether you're inspecting homes before a sale or evaluating commercial buildings for safety and compliance, protecting your business with the right insurance is essential.
At Wexford Insurance, we specialize in helping home inspectors find tailored coverage through our home inspector insurance program. This guide breaks down the types of insurance you need to operate legally, safely, and confidently.
Why Insurance Matters for Home Inspectors
Home inspectors face unique risks—property damage, missed defects, client disputes, and even vehicle accidents while traveling to job sites. Without proper insurance, a single claim could jeopardize your business.
Essential Insurance Coverage for Home Inspection Businesses
Protects against third-party claims for:
Bodily injury (e.g., a client trips during an inspection)
Property damage (e.g., accidentally damaging a fixture)
This is often required to work with real estate agents or commercial clients.
Covers claims related to:
Missed defects
Inaccurate reports
Negligence or failure to identify issues
This is critical for home inspectors and often required by state regulations or industry associations like InterNACHI.
If you use a vehicle for business purposes—traveling to inspections, transporting tools—you need commercial auto coverage. It protects against:
Accidents
Liability
Vehicle damage
If you operate from an office or store inspection equipment, this covers:
Fire
Theft
Vandalism
Natural disasters
Even if you work from home, you may need a rider to cover business assets.
Required if you hire employees. It covers:
Medical expenses
Lost wages
Rehabilitation costs for work-related injuries
Inspection tools like moisture meters, infrared cameras, and drones are expensive. Equipment insurance protects against:
Theft
Accidental damage
Loss during transit
Why Choose Wexford Insurance?
Wexford Insurance is a niche-focused agency serving the real estate and property services industry. We work with top carriers to help you find affordable, comprehensive home inspector insurance tailored to your business.
✅ Specialized coverage
✅ Competitive rates
✅ Expert support for startups and growing businesses
Final Thoughts
Insurance isn’t just a checkbox—it’s your safety net. Whether you're just starting or scaling your home inspection business, the right coverage protects your reputation, finances, and future.
Let Wexford Insurance help you build a strong foundation with a customized insurance plan.
Contact us today.
