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Home Inspector Insurance
Errors & Omissions / General Liability

This below listing is provided as an informational resource only. Kaplan does not endorse or specifically recommend any companies listed below:

Pay Per Inspection Insurance Program
from Allen Insurance Group
Melissa Sondron
1-800-474-4472, ext. 211

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.

Download Pay Per Inspection Information:

Pay Per Inspection - Insurance Information Pack
Veterans' Claims Made - Information Pack

The links above require free Adobe Reader software to view.

Allen Insurance Group
Marion A. Allen, Inc. of Georgia

Bob Pearson

PO Box 1439
Fort Valley, GA 31030
1-800-474-4472 ext. 172  Fax 912-825-3291

Inspectors using the Kaplan Matrix System of report receive a discounted deductible when customizing a contract with Allen Insurance Arbitration Clause. Contact Kaplan for a sample of this contract. Now offers General Liability Policy for New York home inspectors that meets the insurance requirements in NY for around $500 per year.

Business Risk Partners

ASHI's endorsed insurance provider since 2001. Providing competitive E&O insurance & the best customer service around! Special discounts apply for ASHI candidates and members. Claims-made policy automatically includes limited general liability component covering bodily injury & property damage occurring at the inspection site, radon testing, commercial inspections, corporate coverage & referring party coverage. We welcome new inspectors & multiple inspector firms where all inspectors are covered under one policy. For an additional premium coverage is available for termite & lead paint inspections as well as coverage for claims resulting in mold (new 2006!).
Visit www.inspectorinsurance.com to fill out our easy online application or call 866-268-1327 to speak with our servicing agent at Capitol Special Risks, Inc.

4907 Morena Blvd. #1415
San Diego, CA 92117

FREA offers the best rates with the lowest available deductible. Referring Party coverage is included along with a package of other benefits. FREA offers coverage to new home inspectors who have completed Kaplan’s training courses.

Fox Point Programs, Inc.
Tom Foulds, Underwriter
4001 Miller Road
Wilmington, DE 19802
Phone: (302) 765-6010 Fax: (302)-765-2088
[email protected]

Fox Point Programs is a national insurance agency specializing in professional and management liability product lines. Our team is committed to maintaining the highest levels of response time, quality control, and customer service. Fox Point Programs is fully licensed in all 50 states and represents only insurance companies rated "A" or better by A.M. Best. Click here to complete a simplified application or call toll-free 800-499-7242 in order to speak with an underwriter today!

Insurance Office of America, Inc.
Rod Morton, Vice-President
P.O. Box 162207, Altamonte Springs, Fl 32716-2207
407-998-4109 (800-243-6899)  Fax 800-788-2324
[email protected]


IOA can offer for the Kaplan trained home inspector, one of the top e & o and general liability coverage in the US as well as one of the best mold inspector e & o coverage in the business. Further, we can offer other protection for the home inspector such as workers' compensation, automobiles, and tool coverage.

North American Professional Liability Insurance Agency, LLC (NAPLIA)
Michele Dinneen, NAPLIA
5 Whittier Street 4th Floor, Framingham, MA 01701
1-866-262-7542 ext. 1345   Fax: 1-508-656-1399
[email protected]

NAPLIA is a national agency, established in 1998, specializing in providing errors & omissions insurance and related products to home inspectors and many other professionals. We have received the highest rating from the Better Business Bureau, and were named one of the "Top 500 Companies of 2007" by Entrepreneur Magazine. Visit us at www.naplia.com.

OREP Insurance Services
6760 University Ave. #250
San Diego, CA 92115
[email protected]

Low-Cost E&O for appraisers, home inspectors and real estate agents. California Insurance Lic. #0C89873.

Polaris Risk Management and Insurance Services
1800 Sutter Street #777
Concord , CA  94520
925-677-7400  Fax 925-677-7401

Our Professional Liability Program provides comprehensive E&O and GL coverage designed specifically for Home Inspectors. We have several deductible and limit options available.

Superior Insurance Services, Inc.
Email: [email protected]
Toll Free: 888-788-1024

Specializing in Errors & Omissions and General Liability for Home Inspectors. Rated A+ - Superior by AM Best; flexible choices on limits and deductibles. State admitted carrier means you pay no sales tax on the premium. Agency Fee waived for all Kaplan Professional graduates ($150) value. Serving TX, LA, MA, MI, NJ, PA, TN.

Target Insurance Services
Contact:  Deirdre Mates
Toll-free: 1-888-888-1613, Ext. 289
Fax:        860-284-1113
Email:      [email protected]
Mail:       35 Tower Lane, Avon, CT 06001

Coverage: Errors & Omissions (including Accidental Death & Dismemberment); Several Optional Endorsements (Radon, Lead Paint, WDI, etc.); Optional General Liability.

Coverage Limits: From $100,000 to $2,000,000
Deductibles: $1,000 to $10,000
Premiums Average: $2,000 to $3,500 per inspector
Kaplan Graduates receive a 10% discount! Call direct for details.

If your policy is up for renewal or if you are looking for other providers, we strongly urge you to proceed in this area with caution. Review and understand all contract clauses, fees and provisions of the insurance program before your purchase it. These listings do not in any way represent Kaplan's endorsement or recommendation of these carriers. Information on this page is provided solely as a courtesy to home inspectors for finding insurance. Prior to making any decision on an insurance carrier, we encourage you to thoroughly research all options.

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