Professional Indemnity & Public Liability insurance for Building Inspectors



There are multiple hazards and risks that are faced by home and building inspectors in the course of an inspection. Whether they be general liability claims or professional indemnity claims, a home inspector insurance policy should address both types of risks.

  Property Damage such as. . . if your ladder falls during an inspection causing subsequent damage to the homeowner's vehicle.

  Bodily Injury such as. . . if your ladder falls during an inspection and strikes the homeowner's child on the head causing permanent injury.

Professional Indemnity provides coverage for actual or alleged errors and omissions within your inspection report.

  Professional Indemnity insurance responds to financial losses someone may incur because of your actions or in-actions. For example failing to report or notice that a chimney needed repair during a property inspection would be an area where Professional Indemnity could respond.

   "How to minimise claims"

To receive a confirmed quote, please complete the form below. You will receive a confirmed quote on the same business day or the next business day if received after hours.

If you would prefer to talk to a broker first, please call 1300-881-779 between 8.15am and 5.15pm E.S.T. business days and receive an indicative quote over the phone.

If you have spoken to a broker in our office, note their name here so that this quote can be processed by them as they will know something about you already.

Brokers Name:

Client Details

Insured Name

Trading Name

ABN No.(if known)

Full Address

Email Address

Website Address

Phone No. *



Do you hold the necessary qualifications required to undertake these inspections?
Yes    No

Professional Duties

How many inspections do you perform annually?  

Please provide a breakdown of your activities by Type of Service

Pre Purchase Inspections - Domestic


Pre Purchase Inspections - Commercial


Building Inspections - Domestic


Building Inspections - Commercial


Pool Safety Inspections


Pest/Termite Inspections (not pest control)  


Other, please provide details below: %

If Other, please provide details:

Do you provide any services in relation to Building Certification or Inspections, Mandatory Building Inspections including any Owner Builder, Stage Constructions Inspections or Handover Inspections?
Yes    No


Quote Required

Please nominate the amount of covers you require:

Professional Indemnity





Public Liability

Not required





Underwriting questions

Do you provide photographs with all inspection reports?
Yes    No

Gross Fees (turnover) last 12 months
If Nil, put "0"

Estimated Fees next 12 months

Total number of Inspectors in the business
(excluding contractors) 


State the percentage of Your activities (based on income) applicable to each State

 %      %      %      %    

 %      %      %      %      %    



Do you employ contractors, sub-contractors?
Yes    No

Do You require cover for sub-contractors?
Yes    No

If "NO", do You insist they carry their own insurance?
Yes    No


Manual Risk Exposure

Does your occupation involve manual risk exposure?
ie. does your occupation involve:

  • Manual labour or manual tasks performed by yourself (apart from measuring)
  • The supervision of manual labour or manual tasks performed by other parties
  • The responsibility of manual labour or manual tasks performed by other parties
  • The training of others on how to perform manual tasks
Yes    No


Insured's History

The term "You" has the following meaning in the questions below: principals, partners, directors or staff members, or any of the Intended Insureds predecessors, or any prior practice of any of its present or former partners, principals or directors.

Have "You" ever been subject to disciplinary proceedings or actions for misconduct in a professional respect?
Yes    No

Have "You" ever been subject to any claims for civil liability or breach of professional duty in the last ten years?
Yes    No

Have "You" notified circumstances to insurers that may give rise to such a claim?
Yes    No

Are "You" aware of any other facts or circumstances which may give rise to a professional indemnity insurance claim?
Yes    No

CAPTCHA Code: Type the above number:


By submitting this Declaration, I/we declare and agree that:

  • I/we have the consent of all other persons covered by this policy to make this Declaration,
  • the contents of this Declaration are true and complete,
  • I/we have read the information concerning the duty of disclosure (immediately below this declaration) and other important notices;
  • I/we have answered every question fully and frankly, have been truthful and accurate in completing this application and have not withheld any information likely to affect the acceptance of this insurance;
  • I/we realise that if I/we have not complied with the duty of disclosure, any claims may not be met
  • if anything happens during the Period of Cover which alters any of the information provided, I/we will promptly inform the insurer;
  • I/we confirm that I/we have read and understood that this policy operates on a claims made and notified' basis; (refer - Claims Made Policy below)
  • they authorise the insurer to give or obtain from other insurers or insurance reference bureaus or credit reporting agencies, any information about this insurance or any other insurance held by the Applicant/s.

Name of person making this declaration:



Duty of Disclosure - What you must tell us
Under the Insurance Contracts Act 1984 (the Act), you have a Duty of Disclosure. You are required before you enter into, renew, vary, extend or reinstate your Policy, to tell us everything you know and that a reasonable person in the circumstances could be expected to know, is a matter that is relevant to our decision whether to insure you, and anyone else to be insured under the Policy, and if so, on what terms.

  • You do not have to tell us about any matter
  • that diminishes the risk
  • that is of common knowledge
  • that we know or should know in the ordinary course of our business as an insurer, or
  • which we indicate we do not want to know.
  • If you do not tell us
If you do not comply with your Duty of Disclosure we may reduce or refuse to pay a claim or cancel your Policy. If your non-disclosure is fraudulent we may treat this Policy as never having worked.