In many states, yes!
Liability insurance is commonly required by state licensing boards, and even when it’s not, clients often expect it. Here’s how it plays a role:
- Licensing Requirements: Many states require general liability and/or errors & omissions (E&O) insurance to issue or renew a home inspector license.
- Client Expectations: Real estate agents, buyers, and lenders may request proof of coverage before hiring or recommending your services.
- Professional Credibility: Carrying insurance signals professionalism and shows you’re prepared to take responsibility if something goes wrong.
- Risk Mitigation: Even if not required, it protects you from costly lawsuits related to missed defects, property damage, or client disputes.
Liability insurance isn’t just a formality—it’s a safeguard for your career and reputation.
