E&O insurance is there to protect the business. I would hope that most if not all home inspectors are LLC or INC. If a claim is made against my business, then E&O is there to defend and/or pay (if it benefits the insurance company or required by a ruling). This reduces the expense/liability from by business. If the damages exceed my E&O, then my business is at risk, not my personal assets.

I wrote this even though most already know this, but some might not.

I still think G/L insurance should not be required unless you are a practicing home inspector. It's done for Realtors around here and likely for other professions.

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I say lets merge all the home inspection organizations into one.

Seepaluce