Yes Texas does have insurance requirements as stated by Bob. Personally, I have talked myself blue in the face with insurance salesmen about what E&O does for my clients that General liability does not. Basically if I where to miss something gen liab is going to cover me just like if a brickie puts a wall up and it falls down. I know some of you are going to state different but the insurance folks I have talked to tell me the same thing. E&O appears to have the advantage of covering referring parties (Whaaaaaaaaaaaat). If they don't tell me to flounder the report then they can't be held liable for anything anyway. If they did want me to fix the report in a sale favor I would tell my client and not do the inspection.

My thoughts. I would appreciate yours.

Ted