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Home Inspector E&O and General Liability/Premises Coverage

OREP offers a complete package of E&O and General Liability/Premises Coverage for Home Inspectors.

Experience: 17+ Years Serving Home Inspectors.

Coverage: Tailored Specifically for Inspectors with coverage for most Add-on Services Included at No Extra Charge.

Liability Support: Risk Management and Pre-Claims Assistance Included at No Charge. No premium surcharge for  claims that do not incur an expense. Low deductibles from year one.

Business Support: Free Coursework helps you Expand Your Services and Earning Power. Expert Technical Guidance helps keep you safe. Discounts on Valuable Goods and Services Save You Money.

Fast Service: Get a Quote/Indication Online in under Five Minutes. Bind the same day if you wish. Easy financing available.

Competitive Rates: Shop OREP and compare value!

Product

17 Years
Over 100,000 Policies Issued


  • Coverage Highlights
  • Why OREP
  • Business Support
  • Inspector Advisor
  • Testimonials

Coverage Highlights

OREP's program is designed specifically for home inspectors. "A" Rated Carrier.

Includes Home Inspector Coverage for the Following Services are Included at Additional Cost: 

  • Errors and Omissions Insurance and General Liability /Off-Premises
  • Radon
  • Termite/WDI/WDO
  • Lead Paint
  • Pool & Spa
  • EIFS/Stucco
  • Indoor Air Quality Testing
  • Green Building Inspections
  • Commercial (up to 100,000 sq. ft.)
  • Infrared Thermography
  • Drone
  • Rodent
  • Wind Mitigation
  • Carbon Monoxide
  • Energy Rating
  • Additional Premium: Mold, Septic/Sewer and Cyber coverage are available for a small, additional premium.
  • $1,500 Deductible (qualifying inspectors).   Financing Available, New Inspectors Welcome

 

Included: 

  • Additional Insured for Agents and other Referring Parties and Franchisors
  • Personal Injury, Loss of Earnings and Board Complaint/Disciplinary Coverage
  • Coverage for Civil, administrative or regulatory investigation against any “insured” commenced by the filing of a notice of charges, investigative order or similar document; or “disciplinary proceeding.”
  • Free Pre Claims Assistance, Risk Management & Claims Prevention

 

Special Policy Features: 

  • Policy includes coverage for all the inspectors employed by the firm and independent contractors. Independent contractors are part of the definition of “insured” with this policy.
  • Up to three years Extended Reporting Period coverage (or “tail” coverage), should you decide to retire or sell/close your business.
  • Personal Injury Coverage up to full Policy limits
  • Automatic 60-day post reporting period

Why OREP

“Maria you guys are GREAT, so fast, so easy, so supportive…my first year I was with another outfit and my experience with you has been the exact opposite of what it was with them…Thank you so much.” William Bentley, Bentley Property Inspections 

 

Experience: OREP is a leading provider of Home Inspector E&O insurance and General Liability/Premises Coverage nationwide, serving inspectors for over 17 years.


Broad Coverage/Competitive Rates: Coverage for Most Add-On Services Included at No Additional Charge. Low, $1,500 Deductible from year one (most insureds).

Pre-Claims Assistance: OREP insureds enjoy Free Pre-Claims Assistance from Claims Professionals who want frivolous claims to go away as much as you do. No Premium Surcharge for Frivolous Claims.

Risk Management: Free Webinars, Coursework and Working RE Magazine help keep you informed and safe.

Business Support: Discounts on Education, Service Contracts, Home Warranties and Business Supplies. Free access to InspectorAdvisor, which offers free online help with technical issues.

Fast, Courteous Service: Online Home Inspector Insurance Indication takes just minutes. Bind the same day if you wish. Easy financing. OREP is fully automated and fully staffed, with help if you need it. OREP’s Mission is “Business by the Golden Rule.”

 

Business Support

Guaranteed Delivery of Working RE Home Inspector Magazine ($50 value)

OREP insureds receive a free subscription to Working RE Home Inspector Magazine, the largest circulation print magazine for home inspectors in the country, including over 250 premium content articles ($50 value).

“I have to commend you on publishing one of the best, if not the best, periodicals for Home Inspectors.” —Pierre Billard, VP, Home Inspectors of Tennessee Association

Home Inspection Contracts – Manage Risk ($50 value)

Nationally recognized home inspector attorney Joe Denneler adds a layer of protection to your inspection business by providing inspection contracts written to the home inspection standards applicable and specific to your state. There are many factors to consider, including state and local regulations, association standards and consumer protection laws. OREP insureds/members enjoy a $50 discount on this essential service. This service is part of the OREP Professional Support Network. Email shayan@orep.org for your discount code.

“I collected many estimates but the combination of value, flexibility and knowledge was unsurpassed by OREP.” —Henry Toman, 1st American Home Inspections, LLC

InspectorAdvisor.com - Get Your Tough Questions Answered! ($59 value)

Inspectors in the field can now get their tough inspection questions answered at InspectorAdvisor.com. InspectorAdvisor.com is an on-demand technical support service hosted by OREP, with Jerry Peck presiding. Peck is a veteran inspector and builder, code guru and litigation consultant. InspectorAdvisor.com provides inspectors with timely answers to their tough technical questions– in plain English! All subscribers are notified as new questions and answers are added, so everyone learns from each other. This exclusive on-demand technical support service is free to OREP insureds/members ($59 annually for other inspectors). You don’t need to guess or rely on questionable advice.

“This is why I continue to use and spread the word about your insurance. You have helped keep me in business for years!” —Danielle E.

Home Inspection Warranties - Increase Business, Reduce Headaches (at no cost)

The 90-Day Home Warranty distinguishes you from your competition when you include it free with your home inspections. Sometimes you only get one conversation with a potential client or one click to your website to close the deal. Here’s how to make you and your business the obvious choice for homebuyers. A warranty also makes nuisance problems go away. The small, warranty-related issues that you are often forced to deal with are taken off your plate and handled by professionals, so you spend your time and energy inspecting, not fixing client problems. You can enjoy more business with fewer headaches and at no cost to you because the OREP insured price is low enough ($12.50) to be added to your inspection fee without notice. Click here for more info.

"The warranty program fits squarely in line with our approach to business. They stand behind everything they say and the commitment really shows.” —Tom S. (Home Inspector)

Free Training Coursework through AAAHI

As part of OREP’s built-in (free) risk management program, OREP's home inspector E&O insureds can now enjoy free training and coursework covering a variety of topics. The coursework is designed to help you become a better home inspector, limit your liabilty, increase your safety,  and help you diversify your business by offering more services (and grow your business!). The free coursework for OREP insureds includes:

• Electrical
• Plumbing
• Foundation/Structure
• HVAC
• Multi-Unit/Apartment Inspections
• Mold
• Radon
• Drones
• And much more!

These courses are free to OREP insureds for one year through the All-American Association of Home Inspectors (AAAHI). OREP inspectors can take this time to grow their skills and expand their services. If you are already insured with OREP, email subscription@workingre.com now to get access to your free one year subscription to AAAHI’s training courses.

“I am learning so much that is helping me improve in my practice and increase the quality of my reports, thus reducing my exposure to lawsuits. The webinars and education are a great complement to your insurance business. I was an OREP customer in the past and because of the benefits I will be back at renewal time. Thanks for what you do!" —Bruce K. 

Corporate Savings (Save Over $500 Every Year)

Lower Prices from your Favorite Suppliers. Click here for a recent cost comparison of typical office supplies and the savings you can enjoy through this free. program. Save hundreds a year on office expenses with this free benefitClick for details.

“YES! We are saving 19% on our Verizon bill and I order all of our office supplies through the discounted Staples portal—they provide overnight, FREE shipping, even on Sunday orders! Lastly, we are considering the Six Flags discount. So, yes, yes, and yes. We are taking advantage and truly enjoying your program. Great job!” —Cynthia T. 

Continuing Education Discounts

Approved Continuing Education at Cost (OREP-McKissock). OREP Members enjoy the online course Home Inspection Safety at cost. State approval varies by state. OREP insured’s cost is $5.74/3 hours ($45 value). OREP Members/Affiliates also enjoy 10% off all online continuing education at McKissock. OREP members/Affiliates please email subscription@workingre.com for your registration code. 

“I have been waiting 15 years for a class like this. Thanks again for a very informative class.” —Scott G.

Inspector Advisor

InspectorAdvisor.com - Get Your Tough Questions Answered! ($59 value)

Inspectors in the field can now get their tough inspection questions answered at InspectorAdvisor.com. InspectorAdvisor.com is an on-demand technical support service hosted by OREP, with Jerry Peck presiding. Peck is a veteran inspector and builder, code guru and litigation consultant. InspectorAdvisor.com provides inspectors with timely answers to their tough technical questions– in plain English! All subscribers are notified as new questions and answers are added, so everyone learns from each other. This exclusive on-demand technical support service is free to OREP insureds/members ($59 annually for other inspectors). You don’t need to guess or rely on questionable advice.

Enjoy this and much more when you purchase your home inspector E&O insurance with OREP!

“This is why I continue to use and spread the word about your insurance. You have helped keep me in business for years!” —Danielle E.

Testimonials

“I switched my E&O insurance to OREP last month and saved $349 bucks.” —Dave M.
“With all that you offer, it was a no-brainer to sign up.” —Jim Nishimura
“I am so pleased with your service and thoroughness. Thank you very much for being so responsible with our money and our E&O insurance. Although I have never had a claim, my confidence level in this process has increased. It is no surprise that several appraisers recommended your company to me.” —Lore D.
“I continue to renew with your company because of the exceptional service you provide. Every time I call my questions and needs get taken care of.” —Mariah M.
“Thank you for the webinars. I am learning so much that is helping me improve in my appraisal practice and increase the quality of my reports and workfile, thus reducing my exposure to lawsuits. The webinars and education are a great complement to your insurance business. I was an OREP customer in the past and because of the benefits I will be back at renewal time. I don’t know why I ever switched. Thanks for what you do.” —Bruce K.
“I had an FHA complaint and lost. It costs me 9 months of FHA work. If I had the knowledge I do after listening to your webinar, I would have been MUCH better prepared and probably would have won. Thanks for your help!” —Michael B.
“Thank you for your speedy responses, I have the best insurance agent in the world. I wish all of the places I do business with had employees like you. Would you call AT&T and train them on how to take care of customers? If they could just do half the job you do I would be more thank satisfied. THANK YOU MARIA!!!" —J. Roser
“In my 13 years as an appraiser, I have never had a more simple, straight forward and painless experience renewing my errors and omissions insurance. I am just blown away by the way your company does business. What a relief, what a time saver, what a money saver. Thank you.” —M.L. Heckaman
“The main reason I stick with OREP and David Brauner is because you folks know what you are doing. The fact that your service is so good and prompt is just another plus for your company.” —Joe de Garay, de Garay Valuation, LLC

To Get Quote

 

FREE Pre-Claims
Assistance and Risk
Management

 

FREE Inspection Support
at InspectorAdvisor.com

 

Guaranteed Delivery of
Working RE Home
Inspector
Magazine

 

 

Free Training Webinars