HOME INSPECTORS

Available E&O and GL coverage for individual home inspectors or home inspection firms, including new ventures nationwide*

Contact Kristye DeStout:

937-432-1611
kristyedestout@norman-spencer.com

Trust Norman-Spencer to have your back.
Call us at (800) 543-3248 to learn more about application requirements and submission requirements.

HOME INSPECTOR Coverage

OVERVIEW

Norman-Spencer is working hand in hand with our AM Best A++ (Superior XV) carrier to help with the placement of professional and general liability insurance for Home Inspectors. To meet the needs of our clients, the coverage includes the following highlights:

Highlights
  • Claims Made Error & Omission coverage including Personal Injury for limits up to $1,000,000 with deductibles ranging from $1,500 to $10,000.

     

  • General Liability coverage for limits up to $1,000,000 including premises and personal injury.

     

  • Automatic Extension of Coverage for Ancillary Inspection Professional Services where contracted by a home inspector. Inspection services include : Carbon Monoxide, Energy Audit, Exterior Insulation Finishing System & Stucco, Green Building, Indoor Air Quality, Infrared Thermography, Pool or Spa, Radon or Natural Gas, and Rodent Inspections.

  • Norman-Spencer understands the needs of home inspectors. We can provide specific specialty inspections. The following are optional coverages that you could be eligible for:

    • Termite Inspections (up to $1M)
    • Limited Fungus & Mold (up to $250K)
    • Limited Lead (up to $1M)
    • Septic & Water (up to $1M)
    • Wind Mitigation (up to $250K)

What info is needed for a quote?

  • Completed application 

     

  • Copies of licenses, where state requires licensing

     

  • Resumes of key personnel (if in business less than 3 years

     

  • Loss information (past five years)
  • Copy of pre-inspection agreement

     

  • Board Investigation and Claim Supplemental form if required

     

  • Expiring declaration page (if currently insured)

OVERVIEW

Norman-Spencer is working hand in hand with our AM Best A++ (Superior XV) carrier to help with the placement of professional and general liability insurance for Home Inspectors. To meet the needs of our clients, the coverage includes the following highlights:

Highlights
  • Claims Made Error & Omission coverage including Personal Injury for limits up to $1,000,000 with deductibles ranging from $1,500 to $10,000.

     

  • General Liability coverage for limits up to $1,000,000 including premises and personal injury.

     

  • Automatic Extension of Coverage for Ancillary Inspection Professional Services where contracted by a home inspector. Inspection services include : Carbon Monoxide, Energy Audit, Exterior Insulation Finishing System & Stucco, Green Building, Indoor Air Quality, Infrared Thermography, Pool or Spa, Radon or Natural Gas, and Rodent Inspections.

  • Norman-Spencer understands the needs of home inspectors. We can provide specific specialty inspections. The following are optional coverages that you could be eligible for:

    • Termite Inspections (up to $1M)
    • Limited Fungus & Mold (up to $250K)
    • Limited Lead (up to $1M)
    • Septic & Water (up to $1M)
    • Wind Mitigation (up to $250K)

What info is needed for a quote?

  • Completed application  
  • Copies of licenses, where state requires licensing 
  • Resumes of key personnel (if in business less than 3 years 
  • Loss information (past five years)
  • Copy of pre-inspection agreement 
  • Board Investigation and Claim Supplemental form if required 
  • Expiring declaration page (if currently insured)

Contact Kristye DeStout:

937-432-1611
kristyedestout@norman-spencer.com

Trust Norman-Spencer to have your back.
Call us at (800) 543-3248 to learn more about application requirements and submission requirements.