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JD Kutter offers a unique, proprietary insurance program through Penn-American Group for companies and individuals in the business of Home Inspection.  This combined General Liability/Professional Liability product protects home inspectors in claims arising from the allegation of wrongful acts and errors & omissions while performing real estate inspections.  Coverage is available in all U.S. states. 

Coverages Available

Professional Liability Errors & Omissions (Claims Made basis)
General Liability (Occurrence basis)
Blanket Additional Insured Coverage for Referral Agents

Coverage Options Available

Coverage can be expanded to include sublimits for damages and claims expenses arising out of the inspection and/or reporting of EIFIS/Stucco or the presence of lead-based paint and radon.

Product Features

E&O/General Liability combined limits up to $1,000,000
Supplemental tail option available
Prior acts coverage available

We've made getting a quote easy.  To receive a quote click here to fill out the
Home Inspectors Professional/General Liability ApplicationPlease allow 24 hours to receive your quote via email.  Penn-American Group may require additional information before being able to issue a quote or denial. 

IMPORTANT!  You MUST read the
FRAUD STATEMENT/DISCLAIMER and acknowledge having read it on the application. 

We've outlined some helpful hints for Home Inspectors on how to avoid and mitigate professional liability claims.  Click here to review the
20 Helpful Hints to Help Home Inspectors Avoid Professional Liability Claims .
Contact Info:

J.D. KutterĀ 
100 North Broadway
Suite 900
St. Louis, MO 63102
Phone: 314-444-4949
Fax: 314-444-4900
Hours of Operation:

Mon - Fri 7:30AM to 5:00PM
Sat - Sun Closed

Map and Directions
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