As a real estate inspector, your findings help buyers make major financial decisions, which means there’s always the risk of expensive lawsuits. Home inspector liability insurance helps protect you from claims and legal fees, which is why it’s often required by clients, brokerages, or contracts.
Professional liability insurance, also known as errors and omissions insurance, protects you in case you make an error in your work. No matter how experienced you are as a real estate inspector, you could be accused of overlooking an issue during inspection or making an error that caused a financial loss.
With so much money on the line in real estate deals, a lawsuit can mean tens of thousands in legal fees and paying a potentially huge settlement.
Errors and omissions (E&O) insurance for home inspectors helps you:
Depending on the size of your business and the amount of coverage you choose, Berxi’s errors and omissions insurance for home inspectors generally costs between $600 and $1,700 per year.
In addition, you can add general liability coverage to your Berxi E&O policy for just $169/year.
Your annual premium will depend on a few different factors, including:
Because Berxi has no hidden costs or interest payments, home inspectors who choose our insurance save an average of 15% vs. other insurance companies. The fastest way to find out how much you’ll pay for home inspector insurance is to get a quote.
Berxi’s top-rated errors and omissions (E&O) insurance for home inspectors protects you from claims alleging that an error or negligence in your work caused a financial loss.
You also have the option to add general liability coverage to your E&O policy to help protect against third-party injuries and property damage.
Errors and omissions insurance — also known as professional liability insurance — helps protect you if a client claims your inspection included a mistake, oversight, or missed issue that led to a financial loss. E&O insurance can help cover legal defense costs, settlements, judgments, and other related expenses.
Examples of E&O claims covered by Berxi home inspection insurance include:
Amount Covered: Up to $1 million per claim/$2 million aggregate
You can add general liability coverage to your E&O home inspector insurance policy for just $169/year. This coverage helps protect your business from third-party claims involving bodily injury, property damage, and personal and advertising injury. General liability insurance can cover the cost of medical bills, property repairs, and legal costs.
Examples of claims covered by Berxi general liability insurance for home inspectors:
To add general liability coverage to your errors and omissions policy, just select the option while getting your quick online quote.
Amount Covered: $1 million per claim/$2 million aggregate
If you have employees, workers’ compensation insurance is typically required by law and helps cover medical expenses and lost wages if they’re injured on the job. It can also help protect your business from related lawsuits. You can add optional workers’ comp coverage to your Berxi E&O policy by speaking with our in-house product specialist team.
Cyber liability insurance helps protect your business if sensitive client information is compromised in a data breach or cyberattack. It can help cover notification costs, legal fees, and recovery expenses. You can add optional cyber coverage from one of our trusted partners to your Berxi E&O policy.
Commercial auto insurance helps cover vehicles used for business purposes, including accidents, property damage, and liability claims. This is especially important if you regularly drive between inspection sites.
Commercial property insurance helps protect your business premises and equipment from risks such as theft, fire, or certain other types of damage. It’s useful whether you work from an office or out in the field.
With a financial strength rating of A++ by AM Best, we have the stability and expertise to protect you long-term.
Berxi never has any interest fees, hidden costs, or membership fees. In fact, people who choose Berxi save an average of 15% vs. industry standards.
You can visit our website to get a quote, buy a policy, update your account information, and file a claim — all in just a few clicks.
When you call our support line, you’ll reach a real human being from our in-house product specialist team who will work hard to answer all of your questions.
Getting covered is fast and straightforward.
Step 1: Using our easy online quote process, just answer a few quick questions about your work as a real estate inspector, including where you work, your business details, and your coverage needs. Get a quote today.
Step 2: While quoting, you’ll have the option to add general liability coverage to your policy for $169/year, which helps protect you from third-party claims of bodily injury, property damage, and personal and advertising injury.
Step 3: Get an instant, personalized quote with clear pricing.
Step 4: Purchase coverage online in minutes.
Step 5: Access your policy 24/7 to manage certificates, update your information, or file claims — right from your phone or computer.
“I appreciate the excellent customer service. I am happy I went with Berxi! It makes all the difference to know you will be supported by knowledgeable representatives when you need help.”
— Carrie F.
“Berxi was recommended to me by a friend at another company. The quoting process was easy, and the price is better than anywhere I’ve found!”
— Jeremy
“I’ve been struggling for weeks, trying to find the correct insurance. I was quoted 3 times as much for the same coverage from other companies. In about 10 minutes, I had everything I needed from Berxi!”
— Jody R.
It helps to have both, which is why Berxi’s home inspector insurance gives you the option to combine coverage for added protection. Errors and omissions (E&O) insurance helps protect you from claims related to your inspection work, like missed defects or reporting errors. General liability covers third-party injuries and property damage, so having both provides more complete protection for your business. You can add general liability coverage to your Berxi E&O policy for $169/year.
Requirements vary by state; some require E&O insurance for licensing, while others do not. Even if insurance is not required, many clients, brokerages, or contracts may still expect you to carry coverage. And of course, if you face a lawsuit, you’ll want to have home inspector insurance to provide legal and financial protection.
The amount of coverage you need depends on factors like the size of your business, the value of the properties you inspect, and client requirements. Many inspectors choose limits that align with common contract expectations and potential legal costs. Berxi offers E&O limits of up to $1 million per claim/$2 million aggregate.
E&O policies are typically claims-made, meaning coverage applies only if the policy is active when the claim is filed. Keeping continuous coverage in place can help ensure you’re protected, even if a claim arises years after the inspection.
Standard E&O and general liability insurance typically do not cover your tools or equipment. You may need additional coverage, like commercial property insurance, to protect your equipment.
You can get your certificate of insurance one day after purchasing your policy.
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