Insurance for home inspectors

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Tailored home inspector insurance for your business. Maximum coverage, minimum cost.

As a home inspector, your clients trust you to deliver accurate inspection services to ensure projects run smoothly. However, if your inspection work fails to achieve the results your clients want or damage their property, home inspectors can face serious litigation issues. Home inspector injuries at worksites are also common. WIth Provide, you can tailor a policy that protects you, your employees, your customers, and the premises/equipment you use.

What insurance do home inspectors need?

  • Work injury insurance: Coverage for employee injuries/sickness, including Covid-19 infections.
    Pays for medical expenses, lost wages, and lawyer’s fees if you workers sue you for creating an unsafe work environment.
  • Foreign worker medical insurance: Legally mandatory coverage for foreign workers. Pays for medical expenses like surgery and hospitalisation.
  • Professional indemnity insurance: Coverage if you are sued for defective work, negligence, errors & omissions, defamation, and other causes. Also covers errors made by sub-contractors, which is very important.
    For instance, there was some defective or poor workmanship in your construction project. This resulted in water leaks and poor structural integrity. If your client sues you for workmanship errors, this insurance will pay for lawyer’s fees and court-awarded damages.
  • Public liability insurance: Coverage if you damage third-party property, or cause injuries to others during your renovation. 
    This insurance will pay for lawyer’s fees if you are sued for such causes, medical expenses to injured parties, and any damages awarded.
  • Property all risks insurance: Coverage for risks like fire, water leaks, burglary, etc. Protects your business premises (e.g. office), and its contents (e.g. computers, tools).

    Highly recommended to combine this with Machinery and equipment breakdown insurance.

  • Machinery and equipment breakdown insurance: Coverage for breakdowns to your tools and equipment, e.g. drills, table saws, etc.

    Most renovation contractors will combine this insurance with Property all risks insurance. This is because Property all risks does not cover breakdowns of equipment.

Get started on a quote, or drop us a message to start crafting your own custom policy.

What are the major risks home inspectors firms face?

  • Being sued by clients for poor/defective inspection services, resulting in losses – e.g. lower sale price for property due to poor inspection (for sellers), or paying a higher than necessary price for property due to inspection that didn’t sufficiently reveal issues with the property (for buyers)
  • Death, injury or illness of employees. You’ll need Work Injury Compensation Insurance to cover this.
  • Property damage or injuries caused to third-parties while performing renovation works
  • Damage/loss of renovation equipment

What are the benefits of using Provide for home inspector insurance?

Provide gets you tailored online quotes for home inspector insurance, at the lowest premiums. 
  • Save up to 25% on your premiums
  • Save time with our convenient online platform to get quotes, file claims, and manage policies 
  • Expert insurance team with 20+ years experience serving both SMEs and large multinational firms
  • Available by phone 7 days/week

Get home inspector insurance tailored for your business. Lowest prices nationwide.

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