Home Inspector E&O and General Liability Insurance

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
• 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 Testing and Septic/Sewer 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 Insurance Coverage nationwide, serving inspectors for over 23 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, Online Review Tool to Increase Business Reputation, and Discounts on Business Supplies.

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 ($60 value)

OREP members 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 ($60 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

“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 120-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. Make 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)

Serve You Reviews - Online Review Tool for Building Your Online Business Reputation

Did You Know? Over 90% of customers read online reviews before making a purchase. (Plus, reviews have a massive impact on your SEO rankings.)

What do prospects find when they Google your business?

ServeYouReviews.com is an easy way to get online reviews which can help with your online business reputation. OREP members enjoy this software for FREE.

For more information, email subscription@workingre.com.

Free Training Coursework through ATI Training

• 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 ATI Training. 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 ATI'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 benefit — Click 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. 

Testimonials

“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.

“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