Since E&O insurance is required to get a home inspector license in TN, it's a moot point for me.

However, before licensing, I would be asked once in a while from a RE company IF I had insurance, and could I send them a copy. I had no problems with doing so.

Most of the clients that asked, were also asking a bunch of other questions that they got from a book. I also took the time to explain how E&O worked. The few times I got uneasy about the questions, I told them they should find another inspector.