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The HomeTeam endorsed insurance program has been specifically designed for property inspectors. By providing insurance solely to inspectors as well as leveraging the purchasing power on a group basis, The HomeTeam endorsed insurance program helps members achieve substantial savings on their E&O insurance.
General Liability insurance can provide coverage if somebody or something is physically harmed in some way. For instance, if an inspector leaves a ladder out during a routine roof check and some children are injured while playing on it. Such lawsuits could be covered under General Liability. Errors & Omissions responds to financial losses someone may incur because of your actions or inactions. For example failing to report or notice that a chimney needed repair during a property inspection would be an area where E&O could respond. Both coverages are essential to a property inspector because they make professional recommendations while working in hazardous conditions.
The HomeTeam endorsed insurance policy is written on a Claims Made basis with the ability to provide full retroactive coverage (when properly reported). The HomeTeam endorsed insurance policy can provide coverage for all structural inspections (including but not limited to Residential, Commercial and Industrial structures) in addition to draw, FHA, 203K and others. The program is available in all 50 states and can meet or exceed regulatory requirements (when appropriate options are selected). By simplifying the insurance process inspectors can focus on their business rather than their insurance.
The HomeTeam endorsed insurance policy can provide all the common insurance components that property inspectors need in their insurance. There are no additional fees or exclusions for certain corporate structures such as Corporations, LLCs, or Sole Proprietorships. Additionally General Liability and Errors & Omissions insurance are provided on the same policy to reduce gaps between the two coverage’s. Coverage can be extended to Real Estate Brokers and Agents where required for their referrals to you. Employees or subcontractors are also eligible for coverage when properly disclosed. Fidelity/Crime Bonds are available if required by your state or contract and requested on your application. Mold, Termite and Radon coverage is also provided for an additional premium.
Disclaimer: The data and information entered and provided by you will be used to present you with a personalized quote for the coverage you select. It is not intended to constitute a binding contract. Please remember that only the relevant insurance policy can provide the actual terms, coverages, amounts, conditions and exclusions for an insured. All products and services may not be available in all states and may be subject to change without notice.
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