Business Details
19 Years
experience
Trusted Home Inspector Insurance Solutions
EliteMGA was established in 2007 with a singular mission: to provide specialized insurance solutions for home inspectors. Over 17 years, we have become the industry leader by combining comprehensive coverage with innovative risk management services. Our proprietary captive carrier, EliteRE, allows us to offer tailored policies that address the unique needs of home inspection professionals across all 50 states. We pioneered the first risk purchasing group program in the industry, providing insureds with access to legal contract templates and pre-claim assistance tools designed to prevent disputes. Our dedicated legal team, led by renowned home inspection attorney Joseph Denneler, offers unparalleled support before and after claims arise.We maintain direct control over underwriting, claims processing, and policy management to ensure consistent service quality. With over two decades of experience insuring home inspectors, we combine competitive pricing with personalized support through our team of industry experts. Our comprehensive coverage includes errors and omissions insurance, general liability protection, and specialized ancillary coverage for services like mold testing and drone inspections. We actively collaborate with industry partners to enhance our offerings and maintain our position as the premier insurance provider for home inspection professionals.
Services
E&O Insurance
General Liability
Risk Management
Ancillary Coverage
Captive Carrier Services
Details
- Year established: 2007
Highlights and features
- We offer 17 years of specialized experience in home inspector insurance
- Our in-house claims team understands the inspection industry's unique risks
- We provide exclusive group rates for multi-inspector firms
- Our proprietary risk management tools help prevent claims
- We offer 24/7 customer support for policyholders
What people say
Responsive service
Competitive rates
Industry expertise
Easy process
Great support
Services
E&O Insurance
Our errors and omissions insurance protects home inspectors from claims related to professional mistakes or oversights. This coverage addresses legal defense costs and potential settlements when clients allege missed defects during inspections. The policy includes customizable limits and deductibles to match business needs while maintaining affordability through our captive carrier structure.
General Liability
This protection covers property damage and bodily injury claims arising from inspection activities. The policy addresses common risks like accidental water damage from testing plumbing systems or injuries from tripping hazards discovered during inspections. Coverage includes medical payments and property repair costs up to specified limits.
Risk Management
Our proactive risk management tools help inspectors avoid claims through legal contract templates and pre-claim consultation services. The program provides state-specific contract language and direct access to legal experts for early intervention when potential issues arise during inspections.
Ancillary Coverage
We offer additional coverage options for specialized inspection services including mold testing, radon detection, and drone inspections. Each ancillary coverage provides $100,000 protection for specific inspection activities while maintaining integration with primary insurance policies.
Captive Carrier Services
EliteRE, our proprietary insurance carrier, provides tailored underwriting and claims handling specifically for home inspectors. This structure allows direct control over policy terms, pricing, and claims resolution while maintaining industry-specific expertise in every aspect of insurance delivery.
Questions
What types of insurance do home inspectors need?
Home inspectors require errors and omissions insurance for professional liability and general liability coverage for property damage or bodily injury claims.
Is E&O insurance required for home inspectors?
Over 50% of states mandate professional liability insurance for home inspectors. Check specific requirements for your state of operation.
How does EliteMGA's risk management program work?
Our program provides legal contract templates, pre-claim consultation services, and industry-specific risk mitigation strategies to help prevent claims.
Can I get coverage for specialized inspection services?
Yes, we offer ancillary coverage options for mold testing, radon detection, drone inspections, and other specialized services.
How are insurance premiums determined?
Premiums depend on coverage limits, deductibles, years in business, claims history, and specific inspection services offered.
What support exists for multi-inspector firms?
We provide group rate discounts and scalable coverage options for inspection businesses with multiple professionals.
