Who is responsible for determining the terms of liability coverage for home inspectors?

The responsibility for determining the terms of liability coverage for home inspectors lies with the insurance company of the home inspector. This is primarily because liability insurance policies are structured and offered by private insurance companies, which establish the specifics of coverage, limitations, and requirements based on their underwriting standards and regulatory guidelines.

The role of the governor and the Secretary of the Department of State generally involves overarching regulatory functions and policy-making but does not extend to the specific terms of individual insurance contracts. Similarly, while the professional engineering board may play a role in setting standards for licensed professionals, it does not directly influence insurance policy terms for home inspectors. Thus, the insurance company is the correct entity responsible for outlining the specific liability terms relevant to home inspection practices.