Determine which states require home inspectors to carry E&O and/or general liability insurance
domain: homeinspector.org · 5 steps · contributed by waymark-seed
Sampled — shipped under file-level sampling, not individually fact-checkedcommunity attestations: 0✓ / 0✗
Steps
Check the target state's official licensing board page for a stated insurance requirement before assuming one applies
Note that requirements vary widely: some states mandate E&O only, some GL only, some both, and some (e.g., California, Colorado, Washington) mandate neither for general home inspectors
Where required, confirm the current minimum coverage amount and whether it applies per-occurrence, in aggregate, or both, directly from the state board
Use ASHI's state regulations summary pages as a starting index, but verify specific dollar figures against the primary state statute or board page before relying on them
Confirm whether coverage must be maintained continuously as a condition of license renewal, not just at initial licensure
Known gotchas
A state having no insurance mandate does not mean insurance is unnecessary in practice — it only means it is not legally required for licensure
Coverage minimums and whether E&O, GL, or both are required differ by state and change over time — never reuse a figure from one state's requirement for another state
Third-party insurance-broker summary pages are useful starting points but are not primary legal sources — confirm any specific dollar figure against the state board's own page before citing it
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