Pay Per Inspection Home Inspector Insuranceby the Allen Insurance Group

Get started for as little as $595 for one year of GL and 10 E&O covered inspections!

The Pay Per Inspection Program was designed for graduates of approved training providers. It was developed to assist New Home Inspectors in obtaining more affordable Errors & Omissions and General Liability Insurance for their first year in business and then allow them to move to a standard policy in their second year of business, thus avoiding a penalty for being a new inspector.

It is also available to seasoned inspectors who would like to lower their insurance costs for a year or might be in their last year of business and do not expect to do many inspections and are not in need of prior acts/retro coverage.

The program consists of two parts.

Initial enrollment which includes General Liability

The inspector enrolls in the program and pays for their General Liability Insurance (one-year coverage provided). You may
enroll and pay the enrollment fee and then activate coverage at a later date - up to 45 days. This
gives you a chance to start your marketing and create relationships before actually activating the
insurance.

Purchasing Errors & Omission coverage for your inspections

After enrolling you may purchase coverage for ten (10) "Insured Inspections" at a time. There are two coverage packages available: Gold and Platinum. The "Gold" package includes coverage for Home Inspections and Radon Testing. The "Platinum" package adds coverage for Termite (WDO/WDI) inspections.

Program Requirements (Call for seasoned inspector requirements)

1. You must be a graduate of an approved training provider.
2. You must use an approved inspection agreement
3. You must use an approved reporting system.
4. You must be a member or candidate of an approved Home Inspector Association.
5. You must forward a copy of the signed inspection agreement to the Allen Insurance Group within 30 (thirty) days of the inspection. You must also keep a copy for your records. Please remember that NO coverage is provided by the policy if you do not have an inspection agreement signed by your client.
6. No coverage is offered for inspections performed in Alaska, Alabama, Mississippi, New Jersey or West Virginia.
7. The policy is written on a claims made basis. It is not renewable nor will any extended reporting be available. All Insured Inspections must be performed during your coverage period Important Note: The agreements/reports are not valid for insurance coverage after the expiration of your coverage period.
8. Coverage - The policy shall indemnify you for any claim which is first made against you during your policy period (so stated on your certificate of insurance). The claim must arise out of an inspection or act performed during your coverage period and subsequent to the retroactive date (so stated on your certificate of insurance) and before the end of your policy period
9. You will be sent an application to move to one of our standard, annual policies, 45 days in advance of the expiration of your PPI policy period. If you purchase a new annual policy from Allen Insurance Group the policy will cover previous inspections performed under the "Per Per Inspection Program".
10. All costs associated with the program are not refundable.
11. The program is not available to multi inspector firms.

AVAILABILITY

The program is available in all states except: AK, AL, AR, DC, LA, MS, NH, NJ, OK, TN, WV, and WY

For details please read the complete document  once you understand the program print the application form, fill it out and fax to Allen Insurance Group at the number on the form.  You may also scan and email to AIG at the address provided on the forms.  Questions?  Call 800-474-4472 ext. 201.

For Standard Annual Premium Insurance and Preferred Annual Premium Insurance Click Here