He builds a case either way. This topic has been gone over countless times before here (and other forums). I didn't see anything that wasn't true in his piece.

I have had insurance since around 1992 - had to use it once (when I was sued by someone I DIDN'T do an inspection for). It was probably BECAUSE I had insurance, but can't be sure, because her atty was a guy I had just gone up against as an expert witness.

I decided to get (and keep) insurance as a business decision, same as I have car and home insurance. Now I have to have insurance because of state licensing.

Over the years I have seen several cases where it would have been a really bad choice NOT to have insurance. I have several inspector friends that have been sued, and without insurance they would have been dealt a major hit to their checkbook. In one case he probably would have lost everything he owned had he not had insurance.

To me, insurance is a necessary evil that I have and hope I never have to use it, just like my car and home insurance. I sleep better at night.

Just my view.
JF