Florida · General Liability
Home Inspection insurance in Florida.
Pre-purchase and 4-point / wind-mitigation inspections. General Liability protects home inspectors from the third-party claims that Florida contracts, landlords, and GCs require. Start a quote online and a licensed agent will follow up shortly.
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What's covered
What General Liability covers for home inspectors
These are the exposures home inspectors in Florida face most — and exactly what a GL policy is built to handle.
Third-party bodily injury
If a client or passerby is hurt because of your home inspection work, GL responds to medical and legal costs.
Third-party property damage
Covers damage you cause to a customer's property while working — a routine claim for home inspectors.
Products & completed operations
Claims that surface after a job is finished — the exposure most Florida contracts require home inspectors to carry.
Personal & advertising injury
Libel, slander, and certain advertising-related claims against your business.
Medical payments
Small injury costs paid without a liability finding, to resolve incidents quickly.
Certificates of Insurance
We'll issue a COI naming a GC, landlord, or venue quickly once coverage is bound so you never lose a job over paperwork.
Real claims for home inspectors
- You damage the property during the inspection
- A ladder or attic access incident injures someone
- A slip or fall occurs during the walkthrough
Cost in Florida
$45–$140/mo
Most home inspectors pay between $45 and $140 a month for General Liability, depending on revenue, payroll, limits, and claims history. Run a quote for your exact number — it takes a few minutes.
Certificate requirements
What GCs & landlords usually require
For home inspectors, a typical certificate calls for $1M/$2M GL (often paired with E&O for the report itself). Once coverage is bound, we issue that COI — naming the specific GC, landlord, or venue — quickly so you can start the job.
FAQ
Home Inspection insurance questions
How much does Home Inspection general liability insurance cost in Florida?
Most home inspectors in Florida pay roughly $45–$140/mo for General Liability, depending on revenue, payroll, limits, and claims history. The fastest way to get a real number is to run a quote — it takes a few minutes.
Do home inspectors in Florida need general liability insurance?
It's rarely required by state law, but in practice most home inspectors can't work without it: general contractors, landlords, property managers, and venues almost always require a certificate showing $1M/$2M GL (often paired with E&O for the report itself) before you set foot on the job.
What does GL cover for a home inspector?
It covers third-party bodily injury, third-party property damage, and products/completed-operations claims. For example: you damage the property during the inspection. It does not cover your own tools or vehicles, or employee injuries — those are covered by inland marine, commercial auto, and workers' comp.
How fast can a home inspector get a Certificate of Insurance?
Once coverage is bound, we issue a COI naming the specific GC, landlord, or venue that's requiring it. If your operation needs a specialist, an Arace agent turns certificates around quickly.
Is a certificate of insurance the same as being insured?
No — a COI is proof of an active policy, not the coverage itself. You need a bound GL policy first; then we issue certificates (including additional-insured endorsements) to whoever your contract requires.
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