Home Inspection Insurance
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The Allen Insurance
Group has been providing comprehensive insurance coverage for
professional home inspectors since 1992. It's our niche and we pride ourselves on being able to offer you
superior service at a price you can afford.
Our executive director was a home inspector for over 15 years, so we know how to
"speak your language," offering you policies you can grow with. All of our "traditional" policies cover multiple
inspectors so there's no need to buy separate policies for each inspector. The Allen Insurance
Group gives you options so you can choose the program that's right for
Why does a home inspector need both professional liability and
general liability insurance?
General Liability provides protection while
you are performing an inspection. Home Inspectors are at risk of two
||Property Damage such as.
. . if your ladder falls during an inspection causing
subsequent damage to the homeowner's vehicle.
Injury such as. . . if your ladder falls during an inspection and
strikes the homeowner's child on the head causing permanent
injury. This is the type of exposure for which you
purchased insurance in the first
coverage for actual or alleged errors and omissions within your inspection report. Again, the two expsosures
for which you are at risk are property damage and bodily
||Property Damage. . . if
your inspection report does not document a roof leak that
subsequently causes damage to the interior portion of the homeowner's house.
Injury. . . a basement stair riser is several inches different than the rest, you did not report it, and the buyer's child
falls down the steps suffering
Is it important to have separate limits for Professional Liability and General
Yes, very important! When you have one limit for both types of insurance, you are
placing yourself at risk for using up your policy aggregate very quickly. If you have a large professional
liability settlement, you may find yourself without enough insurance to cover a general liability claim should one
Approved Training Affiliates Associations and Other
Bob Pearson; Home Inspection
INSURANCE GROUP, INC.
P.O. Box 1439, Fort Valley, GA
Tollfree: (800) 474-4472,
Direct: (478) 825-5566, Ext. 201