If you perform termite inspections, WDI/WDO reports, clearance letters, or any kind of “condition reporting,” you’re doing more than pest control. You’re providing professional judgment someone else will rely on—often during a real estate transaction. If you want the bigger picture first (why pest control insurance is different and what the building blocks are), start with Pest Control Insurance Explained . Quick definition: Termite inspection E&O (errors & omissions) —also called professional liability —helps when someone alleges your inspection, report, or clearance letter was wrong, incomplete, or misleading, and they relied on it. General liability is usually focused on bodily injury or property damage from operations, not the accuracy of professional judgment. Why termite inspection claims escalate fast Termite inspection disputes tend to get expensive for three reasons: Timing: Claims often show up weeks or months later—after renovations start or a buyer discovers damage. Emotion and money: Real estate disputes are personal, and repair numbers can be large. Reliance: The allegation is often “we relied on your report,” not “you caused damage.” General liability vs. E&O for termite inspections Topic General Liability (GL) E&O / Professional Liability What it’s designed for Injury/property damage from operations Allegations your professional service was wrong Termite example You damage property during service Buyer says your report missed infestation Common friction Completed ops, care/custody/control Sublimits, exclusions, retro dates What to confirm Operations described correctly WDI/WDO/letters covered + limits + defense + prior acts The most common termite inspection coverage gaps (and how to test them) Gap 1: No E&O coverage for inspection/reporting at all Some pest control programs include professional liability. Some don’t. Many owners assume “inspection” is part of GL. Sometimes it is. Often it’s limited, excluded, or sublimited.