First, we believe that for home inspectors, enjoying a complete package of professional insurance coverage should never be optional. That’s why our home inspector program includes the most important coverages in the base premium in most states. This means peace of mind for every inspector who chooses OREP, not just the ones with the biggest budget.
Second, we believe in Business by the Golden Rule—putting our clients first. Our mission at OREP is to treat everyone the way we like to be treated—with courtesy, honesty and efficiency.
OREP (Organization of Real Estate Professionals), now in its 14th year, is located in San Diego, CA, and has 10 agents/support staff. OREP also publishes Working RE magazine, which is one of the largest print circulation magazines for inspectors in the country and is free to inspectors. There is also a digital version of Working RE specifically for home inspectors that reaches over 16,000 each month. The company is led by Senior Broker David Brauner, who has over 20 years’ experience helping home inspectors place their E&O insurance.
The carrier for OREP’s flagship E&O/GL program is an “A” Rated, Admitted carrier that has been in business since 1852 and was recently named “One of America’s Most Trustworthy Financial Companies” by Forbes magazine.
In most states, coverage in the base package includes E&O, General Liability, Radon, Termite/WDI/WDO, Lead Paint, Pool & Spa, EIFS/Stucco, Indoor Air Quality Testing, Green Building Inspections, Infrared Thermography, Rodent Inspections and more. Mold Coverage and Septic/Water Testing are available for a small additional premium.
The self-rating application allows inspectors to finish the entire application process in just minutes. In following years, most inspectors enjoy auto-renewal at the same premium or lower with no application required at all.
The carrier’s “First Defense” program defends and protects insureds against meritless and frivolous complaints before they take root, potentially saving inspectors deductible expense, higher premiums and a negative claims history. While every claim is unique, it’s good to have experienced claims adjusters on your side.
Finally, we like to let our insureds speak for us, in this case inspector Henry “Sonny” Toman, who copied us on this e-mail he sent to a fellow inspector:
“Hey Matt, I collected many estimates but the combination of value, flexibility and knowledge was unsurpassed by OREP. Maria patiently answered all of my questions and moved pretty quickly when I pulled the trigger. Let’s hope I can never tell you how good the service is beyond that!”