Inspector Liability Coverage Calculator
ANA›Life Services Authority›National Calculator Authority›Inspector Liability Coverage Calculator
.calc-container { max-width: 640px; margin: 2rem 0; padding: 1.5rem; background: #fff; border: 1px solid #ddd; border-radius: 8px; box-shadow: 0 1px 3px rgba(0,0,0,0.06); font-family: system-ui, -apple-system, sans-serif; } .calc-container h3 { font-family: Georgia, serif; font-size: 1.15rem; color: #1a1a1a; margin-bottom: 1rem; padding-bottom: 0.5rem; border-bottom: 2px solid var(--ac, #3d5a80); } .calc-row { display: flex; align-items: center; gap: 0.75rem; margin-bottom: 0.75rem; flex-wrap: wrap; } .calc-row label { min-width: 160px; font-size: 0.9rem; color: #333; font-weight: 500; } .calc-row input[type="number"], .calc-row select { flex: 1; min-width: 120px; max-width: 200px; padding: 0.5rem 0.6rem; border: 1px solid #ccc; border-radius: 4px; font-size: 0.9rem; font-family: system-ui, sans-serif; color: #1a1a1a; background: #fafaf8; } .calc-row input:focus, .calc-row select:focus { outline: none; border-color: var(--ac, #3d5a80); box-shadow: 0 0 0 2px rgba(26,74,138,0.12); } .calc-row .unit { font-size: 0.82rem; color: #888; min-width: 30px; } .calc-btn { display: inline-block; margin-top: 0.5rem; padding: 0.55rem 1.5rem; background: var(--ac, #3d5a80); color: #fff; border: none; border-radius: 4px; font-size: 0.9rem; font-weight: 600; cursor: pointer; font-family: system-ui, sans-serif; } .calc-btn:hover { opacity: 0.9; } .calc-result { margin-top: 1.25rem; padding: 1rem 1.25rem; background: #f0f6fc; border-left: 3px solid var(--ac, #3d5a80); border-radius: 0 6px 6px 0; display: none; } .calc-result.visible { display: block; } .calc-result-label { font-size: 0.78rem; text-transform: uppercase; letter-spacing: 0.06em; color: #666; margin-bottom: 0.25rem; } .calc-result-value { font-size: 1.6rem; font-weight: 700; color: var(--ac, #3d5a80); } .calc-result-detail { font-size: 0.85rem; color: #555; margin-top: 0.5rem; line-height: 1.5; } .calc-note { margin-top: 1rem; font-size: 0.8rem; color: #888; font-style: italic; } .calc-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 0.75rem; margin-top: 0.75rem; } .calc-grid-item { padding: 0.6rem 0.8rem; background: #f8f9fa; border-radius: 4px; border: 1px solid #eee; } .calc-grid-item .label { font-size: 0.75rem; color: #888; text-transform: uppercase; letter-spacing: 0.04em; } .calc-grid-item .value { font-size: 1.1rem; font-weight: 600; color: #1a1a1a; } @media (max-width: 720px) { .calc-row { flex-direction: column; align-items: flex-start; gap: 0.3rem; } .calc-row label { min-width: auto; } .calc-row input[type="number"], .calc-row select { max-width: 100%; width: 100%; } .calc-grid { grid-template-columns: 1fr; } } .calc-chart { margin: 1rem 0; text-align: center; } .calc-chart svg { max-width: 100%; height: auto; } .calc-chart-legend { display: flex; flex-wrap: wrap; justify-content: center; gap: 0.6rem 1.2rem; margin-top: 0.6rem; font-size: 0.8rem; color: #555; } .calc-chart-legend span { display: inline-flex; align-items: center; gap: 0.3rem; } .calc-chart-legend i { display: inline-block; width: 10px; height: 10px; border-radius: 2px; font-style: normal; } .calc-related { max-width: 640px; margin: 2rem 0 1rem; padding: 1.25rem 1.5rem; background: #f8f9fa; border: 1px solid #e8e8e8; border-radius: 8px; } .calc-related h3 { font-family: Georgia, serif; font-size: 1rem; color: #1a1a1a; margin: 0 0 0.75rem; padding-bottom: 0.4rem; border-bottom: 2px solid var(--ac, #3d5a80); } .calc-related-list { list-style: none; padding: 0; margin: 0 0 0.75rem; display: grid; grid-template-columns: 1fr 1fr; gap: 0.4rem 1.5rem; } .calc-related-list li a { font-size: 0.88rem; color: var(--ac, #3d5a80); text-decoration: none; } .calc-related-list li a:hover { text-decoration: underline; } .calc-browse-all { margin: 0.5rem 0 0; font-size: 0.9rem; font-weight: 600; } .calc-browse-all a { color: var(--ac, #3d5a80); text-decoration: none; } .calc-browse-all a:hover { text-decoration: underline; } @media (max-width: 720px) { .calc-related-list { grid-template-columns: 1fr; } }
Inspector Liability Coverage Calculator
Estimates recommended Errors & Omissions (E&O) and General Liability coverage limits for home, commercial, and specialty inspectors based on revenue, inspection volume, and risk profile.
Annual Gross Revenue ($)
Number of Inspections Per Year
Average Inspected Property Value ($)
Primary Inspection Type
Residential Commercial Specialty (Mold, Radon, Sewer, etc.) Mixed (Residential + Commercial)
Number of Inspectors (including owner)
Years in Business
Prior Claims in Last 5 Years
None 1 Claim 2 Claims 3+ Claims
Percentage of High-Value Properties (>$1M) (%)
Calculate Coverage
function insCalc() { // --- Gather Inputs --- var revenue = parseFloat(document.getElementById('ins-annual-revenue').value); var inspections = parseFloat(document.getElementById('ins-inspections-per-year').value); var avgPropVal = parseFloat(document.getElementById('ins-avg-property-value').value); var inspType = document.getElementById('ins-inspection-type').value; var numInspectors = parseFloat(document.getElementById('ins-num-inspectors').value); var yearsExp = parseFloat(document.getElementById('ins-years-experience').value); var priorClaims = parseInt(document.getElementById('ins-prior-claims').value); var highValPct = parseFloat(document.getElementById('ins-high-value-pct').value);
var resultDiv = document.getElementById('ins-result'); resultDiv.style.display = 'block';
// --- Input Validation --- var errors = []; if (isNaN(revenue) || revenue 100) errors.push("High-value property percentage must be between 0 and 100.");
if (errors.length > 0) { resultDiv.className = 'calc-result calc-error'; resultDiv.innerHTML = 'Please fix the following errors:' + errors.map(function(e){ return ''; }).join('') + ''; return; }
// ============================================================ // STEP 1: Base E&O Limit — anchored to revenue // Industry standard: E&O limit = max(revenue × 1.0, $100,000) // Minimum floor: $100,000; typical tiers: 100k, 250k, 500k, 1M, 2M // ============================================================ var baseEO = Math.max(revenue * 1.0, 100000);
// ============================================================ // STEP 2: Exposure Multiplier from inspection type // Residential = 1.0 (baseline) // Mixed = 1.25 // Commercial = 1.5 (larger properties, higher stakes) // Specialty = 1.75 (mold/radon/sewer carry elevated health/liability risk) // ============================================================ var typeMultiplier = { residential: 1.0, mixed: 1.25, commercial: 1.5, specialty: 1.75 }; var typeMult = typeMultiplier[inspType] || 1.0;
// ============================================================ // STEP 3: Property Value Exposure Adjustment // Average claim severity correlates with property value. // Adjustment factor = avgPropVal / 300,000 (industry median benchmark) // Capped between 0.75 and 3.0 to prevent extreme outliers. // ============================================================ var propValFactor = avgPropVal / 300000; propValFactor = Math.min(Math.max(propValFactor, 0.75), 3.0);
// ============================================================ // STEP 4: High-Value Property Surcharge // Each 10% of high-value (>$1M) inspections adds 10% to E&O limit. // Surcharge = (highValPct / 10) * 0.10 // ============================================================ var highValSurcharge = 1 + (highValPct / 10) * 0.10;
// ============================================================ // STEP 5: Claims History Loading // 0 claims = 1.0x, 1 = 1.15x, 2 = 1.35x, 3+ = 1.60x // ============================================================ var claimsLoading = [1.0, 1.15, 1.35, 1.60][Math.min(priorClaims, 3)];
// ============================================================ // STEP 6: Experience Discount // 10 years: -10% discount // ============================================================ var expFactor; if (yearsExp ' + '' + 'Coverage Type' + 'Per Occurrence' + 'Aggregate' + '' + 'E&O / Professional Liability' + '' + fmt(eoLimit) + '' + '' + fmt(eoAggregate) + '' + 'General Liability' + '' + fmt(glPerOcc) + '' + '' + fmt(glAggregate) + '' + '' +
'' + 'Estimated Annual Premium Range: ' + fmt(totalPremLow) + ' – ' + fmt(totalPremHigh) + 'E&O: ' + fmt(eoPremLow) + '–' + fmt(eoPremHigh) + ' | GL: ' + fmt(glPremLow) + '–' + fmt(glPremHigh) + '' +
'' + 'Risk Profile Score: ' + '' + riskScore + '/100 (' + riskLabel + ')' + '' + '' +
'' + 'Key Inputs Used:' + 'Revenue: ' + fmt(revenue) + ' | Inspections/yr: ' + inspections + ' | Avg Property: ' + fmt(avgPropVal) + '' + 'Type Multiplier: ' + typeMult.toFixed(2) + ' | Prop Value Factor: ' + propValFactor.toFixed(2) + ' | Claims Loading: ' + claimsLoading.toFixed(2) + ' | Exp Factor: ' + expFactor.toFixed(2) + ''; }
#### Formulas Used
E&O Base Limit: max(Annual Revenue × 1.0, $100,000)
E&O Adjusted Limit (raw): E&Oraw = Base × Type Multiplier × Property Value Factor × High-Value Surcharge × Claims Loading × Experience Factor
- Type Multiplier: Residential=1.0, Mixed=1.25, Commercial=1.5, Specialty=1.75
- Property Value Factor: Avg Property Value ÷ $300,000 (capped 0.75–3.0)
- High-Value Surcharge: 1 + (% High-Value Props ÷ 10) × 0.10
- Claims Loading: 0 claims=1.0×, 1=1.15×, 2=1.35×, 3+=1.60×
- Experience Factor: <2 yrs=1.15×, 2–5=1.0×, 6–10=0.95×, >10=0.90×
E&O Limit: Rounded up to nearest standard tier (100k, 250k, 500k, 750k, 1M, 1.5M, 2M, 3M, 5M)
E&O Aggregate: E&O Limit × 2
GL Per Occurrence: max($1,000,000, Inspectors × $500,000) × GL Type Multiplier → rounded to tier
GL Aggregate: GL Per Occurrence × 2
Premium Range: E&O Limit × (1.5%–2.5%) + GL Limit × (0.5%–1.0%), adjusted by claims & experience
Risk Score (0–100): Weighted composite of inspection type (25%), property value (20%), claims history (25%), experience (15%), high-value exposure (15%)
#### Assumptions & References
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