# Non-member question about E&O insurance **URL:** \ **Category:** Texas/TPREIA Home Inspectors\ **Created:** [November 19, 2014, 7:24pm UTC](https://forum.nachi.org/t/non-member-question-about-e-o-insurance/91428 "2014-11-19T19:24:26Z")\ **Posts on this page:** 8\ **Page:** 1
**Author:** ![Doug\_Bree](https://avatars.discourse-cdn.com/v4/letter/d/82dd89/32.png) [@Doug\_Bree](https://forum.nachi.org/u/Doug_Bree)\ **Post date:** [November 19, 2014, 7:24pm UTC](https://forum.nachi.org/t/non-member-question-about-e-o-insurance/91428/1 "2014-11-19T19:24:26Z")
Greetings all. My name is Doug. I am not yet a licensed inspector in Texas. I have completed all of the course work necessary but as you know, before I can apply to take the TREC exams, I must have Errors and Omissions insurance in place. I am having a devil of a time finding an affordable company to write a policy on a brand new licensee. I was hoping that there might be someone out there that could offer some suggestions. I thank you in advance for taking the time to read my post and again for any replies that I may get. ---
**Author:** ![jhudson4](https://sea2.discourse-cdn.com/internachi/user_avatar/forum.nachi.org/jhudson4/32/179537_2.png) [@jhudson4](https://forum.nachi.org/u/jhudson4)\ **Post date:** [November 20, 2014, 12:47am UTC](https://forum.nachi.org/t/non-member-question-about-e-o-insurance/91428/2 "2014-11-20T00:47:20Z")
Unless the rules have changed again recently, I believe that you do not need the insurance until you apply for your license not before the test. I got my policy between getting the passing grade and the issuance of the actual license. I could be wrong on though. There are always small changes to the rule that are hard to keep up with. I would highly recommend Don Nixon with Southern Preferred. He is the carrier for at least 25% of the inspectors in the state and has the policy for our local TPREIA/InterNACHI chapter. ---
**Author:** ![vlusk](https://sea2.discourse-cdn.com/internachi/user_avatar/forum.nachi.org/vlusk/32/1213_2.png) [@vlusk](https://forum.nachi.org/u/vlusk)\ **Post date:** [November 20, 2014, 12:52am UTC](https://forum.nachi.org/t/non-member-question-about-e-o-insurance/91428/3 "2014-11-20T00:52:56Z")
> [@Doug\_Bree](#): > > Greetings all. My name is Doug. I am not yet a licensed inspector in Texas. I have completed all of the course work necessary but as you know, before I can apply to take the TREC exams, I must have Errors and Omissions insurance in place. > > I am having a devil of a time finding an affordable company to write a policy on a brand new licensee. I was hoping that there might be someone out there that could offer some suggestions. > > I thank you in advance for taking the time to read my post and again for any replies that I may get. Here’s who I use: The InspectorPRO Team Citadel Insurance Services, LC 826 East State Rd, Suite 100 America Fork, UT 84003 (801) 610-2713 | (801) 610-2701 (Fax) This division specializes in insuring home inspectors. It’s about $1880 per year for both Liability and E&O insurance. ---
**Author:** ![frotte](https://sea2.discourse-cdn.com/internachi/user_avatar/forum.nachi.org/frotte/32/58483_2.png) [@frotte](https://forum.nachi.org/u/frotte)\ **Post date:** [November 20, 2014, 1:50am UTC](https://forum.nachi.org/t/non-member-question-about-e-o-insurance/91428/4 "2014-11-20T01:50:28Z")
Are there any agents that charge per Inspection for first year? ---
**Author:** ![lkage](https://sea2.discourse-cdn.com/internachi/user_avatar/forum.nachi.org/lkage/32/347658_2.png) [@lkage](https://forum.nachi.org/u/lkage)\ **Post date:** [November 20, 2014, 5:34am UTC](https://forum.nachi.org/t/non-member-question-about-e-o-insurance/91428/5 "2014-11-20T05:34:41Z")
> [@frotte](#): > > Are there any agents that charge per Inspection for first year? Yes. I don’t remember who but the “SEARCH” function above can help. Remember to have verified , in writing, what you are getting and if the per inspection E&O will be part of a continual “Claims Made” policy, if that is what you choose. More info here: > **[Tail Coverage Definition | TechInsurance](https://www.techinsurance.com/insurance-terms/tail-coverage)** > > Tail coverage is an addition to your insurance that lets you file a claim after the policy has lapsed. Learn other common insurance terms and how to protect your small business with TechInsurance. ---
**Author:** ![bthompson1](https://sea2.discourse-cdn.com/internachi/user_avatar/forum.nachi.org/bthompson1/32/57038_2.png) [@bthompson1](https://forum.nachi.org/u/bthompson1)\ **Post date:** [November 20, 2014, 2:44pm UTC](https://forum.nachi.org/t/non-member-question-about-e-o-insurance/91428/6 "2014-11-20T14:44:14Z")
I am satisfied with Don Nixon in Garland. ---
**Author:** ![Doug\_Bree](https://avatars.discourse-cdn.com/v4/letter/d/82dd89/32.png) [@Doug\_Bree](https://forum.nachi.org/u/Doug_Bree)\ **Post date:** [November 21, 2014, 12:28am UTC](https://forum.nachi.org/t/non-member-question-about-e-o-insurance/91428/7 "2014-11-21T00:28:29Z")
Thank you for your replies. I will contact TREC directly about the insurance requirement. I was lead to believe it was required pre-test. I’m assuming that the per inspection option would be a cost savings as one built their business rather than paying a full policy year when you may not have inspections for weeks at a time? I will check the other two companies suggested. Cheers, Doug ---
**Author:** ![dwicker](https://sea2.discourse-cdn.com/internachi/user_avatar/forum.nachi.org/dwicker/32/175058_2.png) [@dwicker](https://forum.nachi.org/u/dwicker)\ **Post date:** [December 4, 2014, 9:41pm UTC](https://forum.nachi.org/t/non-member-question-about-e-o-insurance/91428/8 "2014-12-04T21:41:53Z")
Doug, give me a call and I can advise you on rates and coverage’s right over the phone to see what will work best for you. Talk soon Dave