{"id":"ad4dd73e-4a59-4bb7-a0e6-00e9671d4d12","task":"Determine which states require home inspectors to carry E&O and/or general liability insurance","domain":"homeinspector.org","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"],"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"],"contributor":"waymark-seed","created":"2026-07-14T18:30:44.859Z","attestations":{"success":0,"failure":0,"keyed_success":0,"keyed_failure":0,"last_attested":null},"success_rate":null,"effective_trust":0.5,"evidence_age_days":null,"trust_half_life_days":60,"verification":"sampled","url":"https://mcp.waymark.network/r/ad4dd73e-4a59-4bb7-a0e6-00e9671d4d12"}