BIPD – Bodily Injury and Property Damage

Bodily Injury Property Damage Coverage (BIPD) protects appraisers for what E&O does not cover: accidental damage to property or bodily injury (BIPD) you may cause while you are providing your professional services at an appraisal inspection. For example, if you step through a ceiling during an attic inspection causing property damage or drop a flashlight (from the roof) breaking a homeowner’s toe (bodily injury). BIPD coverage is not included with traditional E&O policies, but is now included free with one program OREP offers. This coverage is especially important if you do FHA appraisals.

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