Home inspector insurance

• Alabama: Bodily injury and property damage liability insurance of at least $20,000 for property damage, $50,000 for any one person and $100,000 for more than one person, plus $250,000 of errors and omissions coverage.
• Alaska: A surety bond, a time certificate of deposit or a cashier’s check of $10,000. A certificate of public liability and property damage insurance of at least $20,000 for property damage, $50,000 for injury or death to one person and $100,000 for injury or death to more than one person.
• Arizona: Within 60 days after certification, and before any fee-based home inspection, file one of three financial assurances. It may be errors and omissions insurance of $200,000 in the aggregate and $100,000 per occurrence, a bond of $25,000 retroactive to the certification date, or proof that minimum net assets have a value of at least $25,000.
• Arkansas: Professional liability or errors and omissions insurance of at least $100,000. Submit a current certificate of insurance with your application.
• Connecticut: Chapter 400f of the General Statutes and the Regulations of Connecticut State Agencies, 20-491, set no insurance requirement for home inspectors.
• Delaware: Under the Division’s guidance, a certificate sent directly from your carrier showing at least $50,000 of errors and omissions insurance.
• Florida: Commercial general liability insurance of at least $300,000.
• Illinois: General liability insurance of at least $100,000 to cover losses or claims against you or your home inspector entity. You attest to it on the application.
• Indiana: General liability insurance of at least $100,000 from an insurer authorized in Indiana. The policy lists the state as an additional insured.
• Iowa: Errors and omissions and general liability insurance of at least $100,000 per occurrence and $500,000 in the aggregate, with deductibles of no more than $2,500. Keep it for at least one year after the latest report you deliver.
• Kentucky: General liability insurance of at least $250,000, from an insurer authorized in Kentucky. The board is the certificate holder.
• Louisiana: Errors and omissions insurance and general liability insurance, each at least $300,000 per year, with a deductible of no more than $5,000.
• Maryland: General liability insurance of at least $150,000.
• Massachusetts: Errors and omissions insurance of at least $250,000 in the aggregate, for both licenses.
• Mississippi: General liability insurance and errors and omissions insurance, each of no less than $250,000 per occurrence. The certificate is in the inspector’s own name, with the Mississippi Home Inspection Division as certificate holder.
• Montana: Errors and omissions insurance of at least $125,000, with proof submitted.
• Nebraska: A certificate of general liability insurance of at least $250,000.
• Nevada: Errors and omissions insurance of at least $100,000 and general liability insurance of at least $100,000, held by you or your employer. Proof is due with each application and renewal, and you supply it to the Division every year.
• New Hampshire: Proof of liability insurance with your application and with each renewal. The proof names the insurer, the certificate holder, the category and minimum amounts of coverage, and the cancellation policy.
• New Jersey: Errors and omissions insurance of at least $500,000 per occurrence.
• New Mexico: Errors and omissions insurance totaling at least $250,000, and professional liability insurance totaling at least $250,000. Renewal requires proof of both.
• New York: Proof of a certificate of liability coverage, filed with the Department. The Department sets its terms and conditions.
• North Carolina: General liability insurance of $250,000, and either minimum net assets or a surety bond, in an amount the Board sets between $5,000 and $10,000, or errors and omissions insurance of $250,000.
• North Dakota: Proof of current errors and omissions insurance of $100,000 or more covering all home inspection activities. A renewal must reach the Secretary of State before July 1, with a current insurance certificate.
• Ohio: Comprehensive or commercial general liability insurance of at least $100,000 per occurrence and $300,000 aggregate. If your employer is not a licensed home inspector and carries a policy that covers you, you need not carry your own.
• Oklahoma: Comprehensive general liability insurance with limits of at least $50,000 combined single limit for bodily injury and property damage. The certificate must name the Construction Industries Board as certificate holder, not as an additional insured.
• Oregon: The home inspector services endorsement carries a $15,000 bond and $100,000 per occurrence of liability insurance.
• Pennsylvania: Errors and omissions insurance and general liability insurance, each of at least $100,000 per occurrence and $500,000 in the aggregate, with deductibles of no more than $2,500, kept for at least one year after your latest report.
• Tennessee: General liability insurance of at least $500,000, and errors and omissions insurance, with proof in the standard Accord format.
• Texas: Professional liability or other insurance covering Texas Occupations Code Chapter 1102, Subchapter G, of $100,000 per occurrence, before the license issues. Upload the TREC Certificate of Insurance or Proof of Financial Responsibility form.
• Utah: Liability insurance of $500,000 and errors and omissions insurance of $500,000, each naming the Division as certificate holder.
• Virginia: General liability insurance of at least $250,000 per occurrence. A commercial general liability or business liability policy of $250,000 is acceptable if the applicant is an additional insured.
• West Virginia: General liability insurance of $250,000, maintained, with proof to the State Fire Marshal at renewal.

For a state not listed, its license page is the place to check.