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Our Pledge To You
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Hold cursor over links below for description |
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Information contained herein is believed accurate but is not guaranteed |
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©
Copyright 2008
Allen Insurance Group
All Rights Reserved |
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Any use, reuse or transmission
of materials contained herein is prohibited without express written
permission. |
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HOME
INSPECTION INSURANCE |
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HOME INSPECTOR
INSURANCE PRIMER |
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Q: Why do I need both
"Professional Liability" and "General Liability" insurance?
A: "General Liability"
provides coverage while you are performing the inspection and at your office. You have two
exposures while you are performing the inspection:
(1) Property Damage, such as your ladder
falling over and breaking the windshield of the homeowner's auto; and
(2) Bodily Injury,
such as your ladder falling over and hitting the homeowners child on the head.
These are
the types of exposures for which you purchase insurance.
"Professional Liability"
provides coverage for actual or alleged errors & omissions in your Inspection Report.
Again, you have two exposures:
(1) Property Damage, for example you may have missed a
leaking roof'; and
(2) Bodily Injury, a basement stair riser is several inches different
than the rest, you didn't report it, and the buyer's child falls down the steps suffering
injury.
As you can see, Bodily Injury exposure is the one with the greatest potential for
large claim settlements. |
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Q: Are separate limits for
"Professional Liability" and "General Liability" important?
A: YES! Very Important!
When
you have one limit for both types of insurance, you expose yourself to using up your
policy aggregate. If you have a large Professional Liability settlement you may have no
insurance for a serious General Liability claim.
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"THE" Source for Home Inspectors Insurance
Since 1992
We Give You Options!
Premium E&O - Occurrence Form
Standard E&O - Claims Made
and our
NEW BUSINESS OWNERS POLICY
(See Details Below)
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Our PREMIUM E&O PROGRAM
(Occurrence Form)
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The SIMPLY SUPERIOR policy
(Coverage for claims continues for 4 years into the future for each
policy - no need to buy "extended claims reporting")
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A-Rated Insurance Company
$1500 Deductible |
STANDARD
FEATURES: |
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Corporation Coverage
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Very Broad Inspection Referral Coverage for Real
Estate Agents and Others
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Coverage for Commercial Inspections
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Prior Acts coverage if you have a claims made policy
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Water and Septic Testing
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Pool & Spa Inspections
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Coverage for Incidental Radon, Termite and LBP Claims
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In-House Claims Assistance
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24 Hour Quotes
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TYPICAL COST: |
From $3175
(for a One Inspector Firm)
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OPTIONS: |
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Our STANDARD E&O PROGRAM
(Claims Made Form)
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(Coverage for claims ends when you stop buying
insurance, then you must buy at least 3 years of
"extended claims reporting")
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A-Rated Insurance Company
$2500 Deductible |
STANDARD
FEATURES: |
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Corporation Coverage
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Referral
Agent Coverage
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$50,000
Accidental Death and Dismemberment
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Prior
Acts coverage if you have a claims made policy
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Extended
claims reporting up to 36 months
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24 hour
quotes
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TYPICAL COST: |
From $1852
(for a One Inspector Firm)
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OPTIONS: |
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Just want General Liability or
Business Owners
Policy?
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We have a policy that can cover General
Liability and optional Office Contents, Computers, Tools |
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COST: |
From $500
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Instructions:
Click on the link below to access the insurance
application form. Print the
application and fax it to us along with a resume and a copy of your
inspection agreement. Fax the completed application to the number above
(478.822.9149).
If you have any questions, Email or
call us toll-free. We look forward to earning your business.
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Home Inspector's
Insurance
Info Packet |
>
CLICK HERE
< |
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This application
form is an Adobe PDF File.
If you do not have
Adobe Acrobat Reader Software,
Click the Adobe icon at right to download the free Acrobat Reader software |
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Important Note:
This is only a very brief description of the types of insurance coverages available. It is
only a summary and is not intended to represent a contract. For
complete information, please refer to your policy for specific
coverages.
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Contact:
Bob Pearson
Allen Insurance Group
478-825-5566, Ext 201
Toll-Free: 800-474-4472
Fax: 478-822-9149
Email:
bob@allenins.com
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NEW!
PAY-PER-INSPECTION PROGRAM |
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--designed
specifically for new home inspectors-- |
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NOW AVAILABLE
Pay-Per-Inspection
Info Packet |
>
CLICK HERE < |
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This
application form is an Adobe PDF File.
If you do not have
Adobe Acrobat Reader Software,
Click the Adobe icon at right to download the free Acrobat Reader software |
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for more details, contact:
Bob Pearson
Allen Insurance Group
478-825-5566, Ext 201
Toll-Free: 800-474-4472
Fax: 478-822-9149
Email:
bob@allenins.com |
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MOLD INSPECTION &
SAMPLING
INSURANCE |
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This New Professional
Liability Insurance Program Is Now Available. |
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This
application form is an Adobe PDF File. If you do not have Adobe Acrobat
Reader Software, Click the Adobe icon at right to download the free Acrobat Reader software |
Get ADOBE Acrobat Reader Free:
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For more information on this new
program |
>
CLICK HERE < |
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for more details, contact:
Bob Pearson
Allen Insurance Group
478-825-5566, Ext 201
Toll-Free: 800-474-4472
Fax: 478-822-9149
Email:
bob@allenins.com
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We accept Professional Home Inspectors from many
approved courses.
We can highly recommend the following:
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Click each
name for web site or email link,
or call at number listed. |
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For more information
about any of the above, contact:
BOB PEARSON
Allen Insurance Group
478-825-5566,
Ext 201
Toll-Free: 800-474-4472
Fax: 478-822-9149
Email:
bob@allenins.com |
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Last Updated
05/06/2008 01:54:48 PM
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DID YOU KNOW? |
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Insurance Definition |
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ALL RISK:
Insurance against loss or damage to property arising from any fortuitous cause;
except such as may be specifically excluded.
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Always review the wordings of your coverages in your policy.
Policy wordings and applicable laws & regulations are the sole determinant
of your coverage. |
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©
Copyright 2008
Allen Insurance Group
All Rights Reserved |
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