Common Insurance Questions & Answers

Question

I’m a Home Inspector and started doing mold and radon testing. Are the extra services automatically covered under my insurance policy?

Answer

No. Period. You need a specific Rider or Endorsement for any additional services you add.

Question

I’m a Home Inspector and started doing mold and radon testing. The policy I obtain through my home inspection association automatically adds an ‘Environmental’ rider to my policy. I’m covered, right?

Answer

Not necessarily. Most ‘Environmental’ riders do NOT include radon and most have extremely low limits of liability such as $50K. Totally insufficient should you be sued.

Question

I’m a radon tester. Is my equipment automatically covered under my Professional or General Liability insurance policy?

Answer

No.  Your standard business equipment [computer, printer, etc.] is typically covered to the limits of liability you selected but your testing equipment requires an inland marine policy.