Pay Per Inspection is home inspector insurance developed to assist New Home Inspectors to obtain more affordable Error & Omissions and General Liability Insurance for the first year of business, allowing inspectors to move to a standard policy in the second year, avoiding a penalty for being a new inspector.

Kaplan is not the insurer or agent. Insurance is provided by Allen Insurance Group.

Program Details

This is a brief description of coverage available under the Policy. The Policy contains limitations and exclusions. Full details of coverage are contained in the Policy. If there are any conflicts between this document and the Policy, the Policy shall govern. Costs are subject to change at any time.

The program consists of two parts.

Part 1: Initial enrollment which includes General Liability.
The inspector enrolls in the program and pays for their General Liability Insurance. This may be done while attending Kaplan or after graduation. You may enroll while in school and activate coverage at a later date – up to 45 days from enrollment date. This gives you a chance to start your marketing and create relationships before actually activating the insurance.

Part 2: Purchasing Errors & Omissions coverage for your inspections.
After enrolling you may purchase “Insured Inspection Report Packets” of ten from Kaplan. These packets are coded so that they will be recognized as “Insured Inspections.” There are two coverage packages available: Gold and Platinum. The “Gold” package includes coverage for Home Inspections and Radon Testing. The “Platinum” package adds coverage for Termite (WDO/ WDI) inspections.

Program Requirements

1. You must use the designated inspection agreement purchased from Kaplan ITA with the special Insured Inspection Report code on it.
   
2. You must use Kaplan’s Matrix Advantage, Matrix Deluxe, Matrix or InspectNOW reporting system.
   
3. You must forward a copy of the signed inspection agreement to the Allen Insurance Group within 30 (thirty) days of the inspection. You must also keep a copy for your records. Please remember that NO coverage is provided by the policy if you do not have an inspection agreement signed by your client and if the agreement used does not contain the necessary code.
   
4. The policy is written on a claims-made basis. It is not renewable nor will any extended reporting be available. All Insured Inspections must be performed during your coverage period. Important Note: The agreements/reports are not valid for insurance coverage after the expiration of your coverage period.
   
5. Coverage – The policy shall indemnify you for any claim which is first made against you and reported to the insurer during your coverage period (so stated on your coverage endorsement). The claim must arise out of an inspection or act performed during your coverage period and subsequent to the retroactive date (so stated on your coverage endorsement) and before the end of your coverage period.
   
6. You will be sent an application to move to our “Standard Claims Made Annual Program” 90 days in advance of the expiration of your coverage period. If you purchase a new annual policy from Allen Insurance Group the policy will cover previous inspections performed under the “Graduate Program”.
   
   Annual Policies also available.
   
7. All costs associated with the program are not refundable.
   
8. The program is not available to multi-inspector firms.

State Availability
The program is available in all states EXCEPT: AK, AL, AR, DC, LA, MS, NJ, OK, TN, WV and WY.

*Termite coverage not available in OH or PA.

Allen Insurance Group Graduate Program Claims Made Policy

Insurance Limits Available

• $125,000 each claim/$250,000 all claims during your coverage period
  
• $250,000 each claim/$500,000 all claims during your coverage period
  
• The limits are the same for both Errors & Omissions and General Liability

Coverage

Gold Program – Home Inspection and Radon Testing

Platinum Program – Home Inspection, Radon Testing and Termite Inspections

Standard Features:

• “A” Rated Insurance Company
• Coverage for your Corporation is Included
  (Very important if you are a corporation)
• $1500 deductible for E&O claims
• $250 deductible for General Liability claims
• Very Broad Inspection Referral Coverage
• In-House Claims Assistance

Coverage is included for:

• Home Inspections
• Commercial Inspections
• Water and Septic Testing
• Carbon Monoxide Claims (i.e., cracked heat exchanger)
• Pool & Spa Inspections
• Incidental Radon, Termite & Lead Based Paint Claims

Initial Enrollment includes General Liability

One time purchase with program.

• $125,000 each claim/$250,000 all claims $278
• $250,000 each claim/$500,000 all claims $330

Note: GL and E&O coverage limits must match.

Insured Inspection Packets

10 Matrix Advantage or Matrix Deluxe reports and Insured Inspection Report Contracts

Gold Program – Home Inspection and Radon Testing

• $125,000 each claim/$250,000 all claims $470
• $250,000 each claim/$500,000 all claims $574

Platinum Program – Home Inspection, Radon Testing and Termite Inspections

• $125,000 each claim/$250,000 all claims $626
• $250,000 each claim/$500,000 all claims $782

Note: GL and E&O coverage limits must match.

10 Matrix (long form) reports and Insured Inspection Report Contracts

Gold Program – Home Inspection and Radon Testing

• $125,000 each claim/$250,000 all claims $440
• $250,000 each claim/$500,000 all claims $544

Platinum Program – Home Inspection, Radon Testing and Termite Inspections

• $125,000 each claim/$250,000 all claims $596
• $250,000 each claim/$500,000 all claims $752

InspectNOW users - 10 Insured Inspection Report Contracts

Gold Program – Home Inspection and Radon Testing

• $125,000 each claim/$250,000 all claims $310
• $250,000 each claim/$500,000 all claims $414

Platinum Program – Home Inspection, Radon Testing and Termite Inspections

• $125,000 each claim/$250,000 all claims $466
• $250,000 each claim/$500,000 all claims $622

Costs include all applicable fees and insurance taxes. Shipping, handling and sales tax additional.

*Graduates of Enhanced, Fast Track, or Correspondence home inspection courses. This program is for new inspectors only, and individuals who currently have home inspector insurance do not qualify for this program.

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