State Regulations / Licensing 

More and more states are beginning to regulate or license home inspectors. Many states have already established insurance requirements for all inspectors. Scroll down to find out the requirements for your state.
 
Alabama
Licensed by the Alabama Building Commission
(334)242-4082 or http://www.bc.state.al.us/HI%20Menu.htm

Insurance Requirements:
1. General Liability Insurance
a. Minimum $20,000 for injury or damage to property
b. Minimum $50,000 for injury or damage (including death) to any one person
c. Minimum $100,000 for injury or damage (including death) to more than one person
2. E&O Insurance
a. Minimum of $250,000 E&O

Alaska
Licensed by the Department of Community & Economic Development
Home Inspector Licensing Examiner
(907) 465-5470 or http://www.dced.state.ak.us/occ/phin.htm

Insurance requirements:
1. A $5,000 Surety Bond
2. General Liability Insurance
a. minimum $20,000 for injury or damage to property
b. minimum $50,000 for injury or damage (including death) to any one person
c. minimum $100,000 for injury or damage (including death) to more than one person

Arizona
Certified by the State Board of Technical Registration (SBTR)
(602) 255-4053 or http://www.btr.state.az.us/

Insurance Requirements
State requires one of the following:
a. E&O in the amount of $200,000 aggregate. $100,000 per occurrence
b. 25,000 bond
c. Financial Assurance mechanism of at least $25,000

Arkansas
Registration required through the Secretary of State. Division of Corporations
(501) 682-3409 or http:www.ark-homeinspectors.com/law_formatted.htm

Insurance Requirements:
a. Minimum $100,000 general liability
b. Workers Compensation Coverage (if applicable)
c. Must demonstrate a positive net worth or provide a $10,000 bond payable to the Secretary of State

California
Must adhere to the CA Trade Practice Act (Chapter 338) enacted in 1996
(916) 255-3900 or http://www.leginfo.ca.gov/cgi-bin/displaycode?section=bpc&group=07001-08000&file=7195-7199.

No insurance requirements

Colorado
No pending legislation
No insurance requirements

Connecticut
Licensed under the Home Inspection Licensing Board
(860) 713-6000 or http://www.dcp.state.ct.us/licensing/professions.htm

No Insurance Requirements

Delaware
No pending legislation
No insurance requirements

Florida
No pending legislation
No insurance requirements

Georgia
Must adhere to the GA Trade Practice Act (Chapter 3. Title 8) enacted in 1994
(901) 207-1416 or http://www.state.ga.us/cgi-bin/pub/ocode/ocgsearch?docname=OCode/G/8/3/330.

No insurance Requirements

Hawaii
No pending legislation
No insurance requirements

Idaho
No pending legislation
No insurance Requirements

Illinois
Licensed by the Office of Banks and Real Estate
(217) 782-3000 or http://www.obre.state.il.us/realest/HomeInspect.htm.

No Insurance Requirements

Indiana
Licensed by the Indiana Professional Licensing Agency
Indiana Home Inspector Licensing Board (licensing effective 7/1/05)
(317) 234-3009 or http://www.in.gov/pla/

Insurance Requirements:
General Liability - Minimum $100,000
Must list the state as an additional insured

Iowa
No pending legislation
No insurance requirements

Kansas
No pending legislation
No insurance requirements

Kentucky
Licensed by Office of Housing. Buildings & Construction
KY Home Inspector Licensing Board
(502) 573-0364 or http://hbc.ppr.ky.gov/

Insurance Requirements:
General Liability - Minimum $250,000
Must list the state as an additional insured

Louisiana
Licensed by the LA State Board of Home Inspectors within the Dept. of Economic Development
225-248-1334 or http://www.lsbhi.com/documents.htm

Insurance Requirements:
General Liability - Minimum of $300,000
E&O - Minimum of $300,000
a. A MAXIMUM DEDUCTIBLE OF $2.500 IS ALLOWED
b. Must have the "Louisiana State Board of Home Inspectors" listed as a certificate holder
c. FREA is the established group policy for the state

Maine
No pending legislation
No insurance requirements

Maryland
Licensed by the State Commission of Appraisers and Home Inspectors*
410-230-6165 or http://www.dllr.state.md.us/license/occprof/reappr.html

*Licensing law is passed but is not yet in effect

Insurance Requirements:
General Liability - minimum of $50,000

Massachusetts
Licensed by the Board of Registration of Home Inspectors
617-727-9921 or http://www.state.ma.us/reg/boards/hi/

Insurance Requirements:
E&O Insurance - Minimum of $250,000

Michigan
No pending legislation
No insurance requirements

Minnesota
No pending legislation
No insurance requirements

Mississippi
Licensed by the Mississippi Real Estate Commission
601-932-9191 or http://www.mrec.state.ms.us/

Insurance Requirements:
General Liability – Minimum $250,000
E&O – Minimum $250,000 per occurrence

Missouri
No pending legislation
No insurance requirements

Montana
Must adhere to the MT Trade Practice Act (Chapter 14. Title 30) enacted in 1999
Office of Building Codes and Inspection
406-444-3933 or http://data.opi.state.mt.us/bills/BillHtml/SB0210.htm

No insurance requirements

Nebraska
No pending legislation
No insurance requirements

Nevada
Certified by the Real Estate Division of the Department of Business and Industry
775-687-4280 or http://www.leg.state.nv.us/nac/nac-645d.html

Insurance Requirements:
General Liability - minimum $100,000
E&O Insurance - minimum $100,000

New Hampshire
No pending legislation
No insurance requirements

New Jersey
Licensed by the State Board of Professional Engineers and Land Surveyors
(973) 504-6200 or http://www.state.nj.us/lps/ca/pels/histats.htm

Insurance Requirements:
E&O Insurance - Minimum $500,000

New Mexico
No pending legislation
No Insurance requirements

New York
Pending legislation - law will go into effect 12/31/05
http://assembly.state.ny.us/leg/?bn=A00076&sh=t

Insurance Requirements:
May require general liabilty

North Carolina
Licensed by the Home Inspector Licensing Board within the Department of Insurance
910-715-0991 or http://www.ncdoi.com

No insurance requirements

North Dakota
No pending legislation
No insurance requirements

Ohio
No insurance requirements

Oklahoma
Licensed through the State Board of Health and the Committee of Home Inspector Examiners
405-271-5217 or http://www.health.state.ok.us/

Insurance Requirements:
General Liability - minimum $50,000

Oregon
Certification by the Oregon Construction Contractors Board (CCB)
503-378-4621 or http://ccbed.ccb.state.or.us/WebPDF/CCB/Publications/hi-s-sop.pdf

Insurance Requirements:
General Liability - minimum of $300,000
E&O - minimum of $500,000 for commercial inspectors

Pennsylvania
Licensed by the PA Bureau of Consumer Protection
717-787-9707 or http://www.legis.state.pa.us/WU01/LI/BI/BT/1999/0/SB1032P2140.HTM

Insurance Requirements:
E&O Insurance - minimum $100,000 per occurrence and $500,000 aggregate

Rhode Island
Licensed* by the Contractors Registration Board
401-222-1268 or http://www.crb.state.ri.us/inspectors.htm

*law has been passed but is not yet in effect

Insurance Requirements:
General Liability - Minimum $250,000
E&O Insurance - Minimum $250,000

South Carolina
Licensed by SC Residential Builders Commission
803-896-4603 or http://www.IIr.state.sc.us

No Insurance Requirements

South Dakota
Licensed by the South Dakota Real Estate Commission
605-773-3600 or http://www.state.sd.us/sdrec/

No insurance requirements

Tennessee
Certification required by Department of Commerce. Division of Regulatory Boards (only applicable in certain counties)
615-741-3449 or http://www.state.tn.us/commerce

Insurance Requirements:
General Liability - Minimum $500,000

Texas
Licensed by the Texas Real Estate Commission
512-465-3900 or http://www.trec.state.tx.us/

No Insurance Requirement

Utah
No pending legislation
No insurance requirements

Vermont
No pending legislation
No insurance requirements

Virginia
Certified by the Virginia Board for Asbestos. Lead and Home Inspectors*
804-367-5807 or http://www.state.va.us/dpor/asb_main.htm

Insurance Requirements:
General Liability - minimum of $250,000

Washington
No pending legislation

Insurance Requirements:
Inspectors who have a claims made E&O policy must obtain a $12.500 surety bond for the Department of Agriculture's Pest Inspector License

The Washington State Department of Agriculture (WSDA) requires every  Inspector to carry WDI coverage

West Virginia
No pending legislation
No insurance requirements

Wisconsin
Certification required by the Department of Regulation and Licensing
608-266-2112 or http://www.state.wi.us/agencies/drl/

No insurance requirements

Wyoming
No pending legislation
No insurance requirements