how important is general liability insurance for home inspectors or is it just personal preference ? all your views will be appreciated
Thanks in advance
If you want to protect yourself for damage caused by you during an inspection, then it’s very important.
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General liability insurance is just like any other insurance, you don’t need it until you need it and then you’ll wish you had it.
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Keep in mind, E&O is for what you miss/omit from the inspection. GL is covers many areas like breaking a window with a ladder or stepping through a ceiling while inspecting an attic. And these are simple, low cost examples.
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If you intend on performing New Build inspections, plan on having 1M+ coverage naming the Builder just to be able to step foot on the property!
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If you do much business with listed properties you’ll most likely need GL insurance to satisfy the local board of realtors.
It is like any other insurance - you will be glad you have it when you need it. Make sure it is a good policy - you get what you pay for as the old saying goes.
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