A Building Inspection business may remain responsible to its client for subcontracted work. Disclose subcontracting to the insurer, check each subcontractor’s qualifications and insurance, and use written agreements and quality-control systems for their inspections and reports.

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Clear engagement terms and reports help define the inspection scope, access limitations, intended use and recommended further investigation. Disclaimers do not automatically remove liability, and broad indemnities or warranties can create exposure that may not be fully insured.

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Professional Indemnity Insurance can respond to certain claims alleging that an insured inspection, report or professional advice caused financial loss, including some defence costs. Cover depends on the accepted services, policy wording, terms, conditions and exclusions.

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The specialist facility currently available through Webber Insurance generally requires at least three years of experience specifically undertaking building inspections. Broader construction experience alone may not satisfy this underwriting requirement, although other options can be reviewed.

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Insurers commonly ask about your services, turnover, location, limits, qualifications, licensing, inspection experience, claims history and existing insurance. They may also request a sample report, engagement agreement, standard terms and details of report limitations or disclaimers.

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Claims can involve missed defects, water or pest damage, unclear or incomplete reports, inspection limitations, scope disputes, inadequate documentation or alleged negligence after a property purchase. A complaint can develop even when the inspector believes the work was completed correctly.

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Requirements vary by state or territory, services and the licence or registration held. Professional Indemnity may be required for some Victorian registrations and Queensland licence classes, while contracts or industry memberships can impose further requirements.

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Depending on how the business operates, relevant cover may include Public Liability, Business Insurance, Cyber, Commercial Motor, Personal Accident and Illness, Management Liability and Workers Compensation. The right combination depends on your structure, employees, equipment, vehicles, contracts and inspection activities.

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Webber Insurance has access to a specialist facility that can consider services such as pre-purchase, pest and termite, handover, pool safety and general building inspections, defect and dilapidation reports, expert witness work and certain asbestos identification activities. Eligibility depends on qualifications, experience, full disclosure of services and insurer underwriting requirements.

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There is no single suitable limit for every Building Inspector. Consider your services, location, licensing or registration requirements, contracts, property values and potential claim size, including whether defence costs sit within or outside the limit.

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