State/province E&O requirements:

Need E&O insurance? Visit our E&O insurance provider page.

Take our free online insurance survey (submitted to underwriters for E&O insurance discounts)

Alabama
Licensed by the Alabama Building Commission
(334) 242-4082 or http://www.bc.state.al.us/HI%20Menu.htm
Insurance Requirements:
a. General Liability Insurance
1. Minimum $20,000 for injury or damage to property
2. Minimum $50,000 for injury or damage (including death) to any one person
3. Minimum $100,000 for injury or damage (including death) to more than one person
b. E&O is not required at this time, but it will be reviewed by the Alabama Building Commission in 2003 as a possible requirement.

Alaska
Pending legislation for regulation
No insurance requirements

Arizona
Certified by the State Board of Technical Registration (SBTR) (602) 255-4053 or http://www.btr.state.az.us/
Insurance Requirements
State requires one of the following:
a. E&O in the amount of $200,000 aggregate, $100,000 per occurrence
b. 25,000 bond
c. Financial Assurance mechanism of at least $25,000

Arkansas
Registration required through the Secretary of State, Division of Corporations (501) 682-3409 or http:www.ark-homeinspectors.com/law_formatted.htm Insurance Requirements:
a. Minimum $100,000 general liability
b. Workers Compensation Coverage (if applicable)
c. Must demonstrate a positive net worth or provide a $10,000 bond payable to the Secretary of State

California

Must adhere to the CA Trade Practice Act (Chapter 338) enacted in 1996
(916) 255-3900 or http://www.leginfo.ca.gov/cgi-bin/displaycode?section=bpc&group=07001-08000&file=7195-7199.
No insurance requirements

Canada
No pending legislation
No insurance requirements

Colorado
No pending legislation
No insurance requirements

Connecticut
Licensed under the Home Inspection Licensing Board (860) 713-6000 or http://www.dcp.state.ct.us/licensing/professions.htm
No Insurance Requirements

Delaware
No pending legislation
No insurance requirements

Florida
No pending legislation
No insurance requirements

Georgia
Must adhere to the GA Trade Practice Act (Chapter 3, Title 8) enacted in 1994
(901) 207-1416 or http://www.state.ga.us/cgi-bin/pub/ocode/ocgsearch?docname=OCode/G/8/3/330.
No insurance Requirements

Hawaii
No pending legislation
No insurance requirements

Idaho
No pending legislation
No insurance Requirements

Illinois
Licensed by the Office of Banks and Real Estate (217) 782-3000 or http://www.obre.state.il.us/realest/HomeInspect.htm.
No Insurance Requirements

Indiana
No pending legislation
No insurance requirements

Iowa
No pending legislation
No insurance requirements

Kansas
No pending legislation
No insurance requirements

Kentucky
Proposed legislation
No insurance requirements

Louisiana
Licensed by the LA State Board of Home Inspectors within the Dept. of Economic Development (225) 248-1334 or http://www.lsbhi.com/documents.htm
Insurance Requirements:
General Liability - Minimum of $300,000 E&O - Minimum of $300.000
a. A MAXIMUM DEDUCTIBLE OF $2,500 IS ALLOWED
b. Must have the "Louisiana State Board of Home Inspectors" listed as a certificate holder
c. FREA is the established group policy for the state

Maine
No pending legislation
No insurance requirements

Maryland
Licensed by the State Commission of Appraisers and Home Inspectors* 410-230-6165 or http://www.dllr.state.md.us/license/occprof/reappr.html *Licensing deferred until at least July 2003
Insurance Requirements:
General Liability minimum of $50,000

Massachusetts
Licensed by the Board of Registration of Home Inspectors (617) 727-9921 or http://www.state.ma.us/reg/boards/hi/
Insurance Requirements:
Minimum of $250,000 of E&O Insurance

Michigan
No pending legislation
No insurance requirements

Minnesota
No pending legislation
No insurance requirements

Mississippi
Licensed by the Mississippi Real Estate Commission (601) 932-9191 or http://www.mrec.state.ms.us/
Insurance Requirements:
General Liability – Minimum $250,000 E&O – Minimum $250,000 per occurrence

Missouri
No pending legislation
No insurance requirements

Montana
Must adhere to the MT Trade Practice Act (Chapter 14, Title 30) enacted in 1999 Office of Building Codes and Inspection (406) 444-3933 or http://data.opi.state.mt.us/bills/BillHtml/SB0210.htm
No insurance requirements

Nebraska
No pending legislation
No insurance requirements

Nevada
Certified by the Real Estate Division of the Department of Business and Industry (775) 687-4280 or http://www.leg.state.nv.us/nac/nac-645d.html
Insurance Requirements:
General Liability minimum $100,000 E&O minimum $100,000

New Hampshire
No pending legislation
No insurance requirements

New Jersey
Licensed by the State Board of Professional Engineers and Land Surveyors (973) 504-6200 or http://www.state.nj.us/lps/ca/pels/histats.htm
Insurance Requirements:
Minimum $500,000 E&O Insurance

New Mexico
No pending legislation
No Insurance requirements

New York
Uses InterNACHI's exam for licensing.
GL insurance requirement

North Carolina
Licensed by the Home Inspector Licensing Board within the Department of Insurance (910) 715-0991 or http://www.ncdoi.com
No insurance requirements

North Dakota
Uses InterNACHI's exam for licensing.
$100,000 E&O required.

Ohio
No insurance requirements

Oklahoma
Licensed through the State Board of Health and the Committee of Home Inspector Examiners (405) 271-5217 or http://www.health.state.ok.us/
Insurance Requirements:
Minimum $50,000 of General liability

Oregon
Certification by the Oregon Construction Contractors Board (CCB) (503) 378-4621 or http://ccbed.ccb.state.or.us/WebPDF/CCB/Publications/hi-s-sop.pdf
Insurance Requirements:
Either a $10,000 or $15,000 bond and Either $300,000 or $500,000 in E&O insurance

Pennsylvania
Certification by the International Association of Certified Home Inspectors (610) 933-4241 or http://www.nachi.org and regulated by the PA Bureau of Consumer Protection (717) 787-9707 or http://www.legis.state.pa.us/WU01/LI/BI/BT/1999/0/SB1032P2140.HTM
Insurance Requirements:
Minimum $100,000 per occurrence and $500,000 aggregate E&O

Rhode Island
Licensed by the Contractors Registration Board
(401) 222-1268 or http://www.crb.state.ri.us/inspectors.htm
Insurance Requirements:
Minimum of $250,000 General liability insurance
Minimum of $250,000 E&O Insurance

South Carolina
Licensed by SC Residential Builders Commission
(803) 896-4603 or http://www.IIr.state.sc.us
No Insurance Requirements

South Dakota
Licensed by the South Dakota Real Estate Commission
(605) 773-3600 or http://www.state.sd.us/sdrec/
No insurance requirements

Tennessee
Certification required by Department of Commerce, Division of Regulatory Boards (only applicable in certain counties) (615) 741-3449 or http://www.state.tn.us/commerce
No Insurance requirements

Texas
Licensed by the Texas Real Estate Commission (512) 465-3900 or http://www.trec.state.tx.us/
No Insurance Requirement

Utah
No pending legislation
No insurance requirements

Vermont
No pending legislation
No insurance requirements

Virginia
Certified by the Virginia Board for Asbestos, Lead and Home Inspectors* (804) 367-5807 or http://www.state.va.us/dpor/asb_main.htm
No insurance requirement*

*Licensing laws are pending and should go into effect July 1, 2003. There may be an insurance requirement at this time.

Washington
No pending legislation
No insurance requirements

West Virginia
No pending legislation
No insurance requirements

Wisconsin
Certification required by the Department of Regulation and Licensing 608-266-2112 or http://www.state.wi.us/agencies/drl/
No insurance requirements

Wyoming
No pending legislation
No insurance requirements

Need E&O insurance? Visit our E&O insurance provider page.

Take our free online insurance survey (submitted to underwriters for E&O insurance discounts)

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