EliteMGA, LLC - Home Inspector E&O Insurance

What EliteMGA, LLC - Home Inspector E&O Insurance does

EliteMGA, LLC is a privately held managing general agent (MGA) founded in 2007 and headquartered in King of Prussia, Pennsylvania, that underwrites and distributes Errors & Omissions (E&O) and General Liability insurance exclusively to home inspectors in all 50 U.S. states. The company operates its own captive insurance carrier, EliteRE (launched in 2019), which handles underwriting, pricing, billing, and claims management entirely in-house, and is the only carrier in the market 100% focused on the home inspection profession. EliteMGA distributes through a multi-channel model combining direct in-house sales (51-100 employees), exclusive partnerships with InterNACHI, HomeGauge, and ATI Training, an agent portal, and self-serve online applications with 48-72 hour approval turnaround.

The product portfolio spans bundled E&O and General Liability policies starting at $1,000/year with coverage limits up to over $1,000,000, plus included ancillary endorsements for radon, mold, termite/WDI, pool/spa, commercial inspection ($100K each), drone/aviation, EIFS/stucco, and indoor air quality ($50K each). The company also offers a separate Elite Inspection Warranty program with tiered Basic, Pro, and Master plans sold per inspection. A flagship differentiator is the embedded ClaimsAssist service and risk management toolset built with Joe Denneler, described as the preeminent home inspection litigation attorney, providing state-specific pre-inspection agreements and claims defense.

EliteMGA is operated under Villanova Insurance Partners with no disclosed external institutional investors, and derives revenue primarily from recurring annual insurance premiums and per-inspection warranty fees. The company serves hundreds of home inspection companies ranging from individual sole proprietors to multi-inspector firms, with group pricing and mid-term inspector additions available for team accounts.

Name

EliteMGA, LLC - Home Inspector E&O Insurance

Legal name

EliteMGA, LLC

Website

https://elitemga.com

Company type

Private

Founded year

2007

Operating status

Operating

Headcount range

51–100 employees

Short description

EliteMGA is a King of Prussia, PA-based managing general agent offering E&O and General Liability insurance exclusively for home inspectors in all 50 U.S. states through its captive carrier EliteRE, distributed via direct sales and association partnerships.

Ownership category

akta.pro rank

Product category

Specialty Insurance

NAICS

Insurance Carriers (5241), Direct Insurance (except Life, Health, and Medical) Carriers (52412), Direct Property and Casualty Insurance Carriers (524126)

SIC

Insurance Agents, Brokers & Service (6411), Insurance Carriers, Nec (6399)

akta.pro primary industry

Professional Liability (E&O) (FSAJAGAC)

akta.pro secondary industry

Insurance Program Administration & MGA/MGU Services (FSAEADAK)

Keywords

• Home inspector insurance
• Errors omissions coverage
• General liability insurance
• Professional liability insurance
• Captive insurance carrier

Headquarters

HQ city

King Of Prussia

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Others

Revenue model

1. E&O Insurance Premiums: Annual insurance premiums for Errors & Omissions coverage for home inspectors. Starting at $1,000/year, with coverage limits from $100,000 to over $1,000,000. Revenue generated through annual policy renewals and new policy subscriptions.
2. General Liability Insurance Premiums: Annual premiums for general liability coverage bundled with E&O policies. Covers bodily injury, property damage, and related claims.
3. Home Inspection Warranty Program: Optional warranty program for homebuyers with tiered plans (Basic $12, Pro $18-22, Master $32). 90/120 day coverage terms. Revenue from warranty purchases by inspectors on behalf of clients.
4. Ancillary Coverage Endorsements: Additional coverage add-ons for specialized services: radon ($100K included), mold ($100K), termite/WDI ($100K), pool/spa ($100K), commercial ($100K), drone/aviation ($50K), EIFS/stucco ($50K), indoor air quality ($50K), infrared thermography ($50K).

Pricing tiers

Go-to-market motion3 records

Distribution channels6 records

Marketing channels6 records

Core offering

EliteMGA, LLC underwrites and distributes Errors & Omissions (E&O) and General Liability insurance policies exclusively for home inspectors across all 50 U.S. states through its captive carrier EliteRE. The company bundles professional liability coverage with ancillary endorsements (radon, mold, termite, pool/spa, commercial, drone) and offers partner-branded programs for InterNACHI, HomeGauge, and ATI Training members, plus a home inspection warranty program.

Product overview

EliteMGA is a specialized insurance provider offering a unified platform of insurance products designed exclusively for home inspectors. The core offering consists of combined E&O (Errors & Omissions) and General Liability Insurance policies, underwritten by EliteRE - the company's captive insurance carrier launched in 2019. The portfolio includes partner-specific programs (InterNACHI Insurance Program, HomeGauge Inspector Insurance Program, ATI Training Partnership) and ancillary coverage add-ons (Termite/WDI, Mold, Radon, Pool & Spa, Drone/Aviation, EIFS/Stucco, Commercial Inspection). The Elite Warranty Program provides post-inspection warranty coverage. All products are managed through an in-house team that handles sales, underwriting, billing, risk management, and claims.

Differentiator

Problem solved

Functional benefit

Brands

• EliteRE: EliteRE is EliteMGA's captive insurance carrier, the only carrier 100% focused on home inspector insurance. It handles underwriting, pricing, and claims in-house.
• InterNACHI Insurance Program
• HomeGauge Inspector Insurance Program
• Elite Warranty Program
• ATI Partnership

Products and services

• Home Inspector E&O Insurance Errors and Omissions insurance covering legal fees, settlements, and judgments from claims of errors, omissions, or negligence during home inspections; available in all 50 U.S. states with deductibles from $1,500 to $10,000 and coverage limits from $100,000 to over $1,000,000.
• General Liability Insurance for Home Inspectors General liability coverage protecting home inspectors from bodily injury, property damage, medical payments, and operations-related claims at inspection sites; meets access requirements for properties and is available bundled with E&O coverage.
• EliteRE Captive Insurance Carrier EliteMGA's exclusive captive insurance carrier that handles underwriting, pricing, and claims in-house, designed solely for the home inspection industry; the only carrier 100% focused on home inspector insurance.
• InterNACHI Insurance Program Exclusive E&O and General Liability insurance program for active members of the International Association of Certified Home Inspectors (InterNACHI), offering member pricing, complimentary ClaimsAssist service, vanishing $500/year deductible for loss-free renewals, and free retiree extended reporting period.
• HomeGauge Inspector Insurance Program Exclusive insurance program offering HomeGauge home inspection software users discounted E&O and General Liability insurance rates, designed to reduce risk through integrated reporting tools.
• ATI Training Partnership Insurance Exclusive insurance coverage for ATI (American Inspectors Training) students and graduates entering the home inspection profession, providing transition coverage at member pricing.
• Elite Warranty Program Home inspection warranty program with Basic ($12), Pro ($18-$22), and Master ($32) plans covering structural, electrical, plumbing, HVAC, appliances, mold, and roof repairs for 90-120 days after inspection; sold per inspection and purchased by inspectors on behalf of homebuyers.
• Ancillary Inspection Coverage Endorsements Bundle of endorsements extending E&O coverage to specialized inspection services: radon testing, mold inspections, termite/WDI inspections, pool/spa inspections, commercial inspections, drone/UAS roof inspections, EIFS/stucco inspections, indoor air quality testing, and infrared thermography, with $50K-$100K of included coverage per endorsement.
• Risk Management and Claim Assist Service Pre-claim risk management tools and Claim Assist legal service provided through partnership with home inspection litigation attorney Joe Denneler, including state-specific pre-inspection agreements and proactive claims prevention.

Quantifiable outcome

• Approval turnaround of under 48 hours
• +5 more outcomes

Named customers3 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Six partnerships are on record, tiered flagship and core.

• InterNACHI (International Association of Certified Home Inspectors)flagshipStrategic or Co-development PartnerExclusive insurance partnership creating specialized program for InterNACHI members. Includes complimentary ClaimsAssist service managed by Joe Denneler, competitive member pricing, vanishing deductible of $500/year for loss-free renewals, free retiree extended reporting period, and coverage for wide variety of ancillary inspection services. EliteMGA brings over 20 years of combined experience to InterNACHI's national membership.
• HomeGaugecoreGTM or Marketing PartnerPartnership offering HomeGauge software users exclusive discounts on E&O and General Liability insurance. HomeGauge is the longest-standing and most respected home inspection software name in the industry, providing tools that help deliver top-quality reports and reduce risk for inspectors.
• ATI Training (American Inspectors Training)coreGTM or Marketing PartnerExclusive insurance coverage partnership for ATI Training students. Provides transition coverage as students complete training and enter the home inspection profession.
• Joe Denneler (Home Inspection Litigation Attorney)flagshipStrategic or Co-development PartnerPartnership with the preeminent litigation attorney in the home inspection space. Joe Denneler and his team build risk management tools to help prevent claims AND manage claims if they arise. Provides ClaimsAssist service and state-specific pre-inspection agreements. This end-to-end protection from the most experienced legal team in home inspection is a key differentiator.
• Villanova Insurance PartnersflagshipOthersEliteMGA/EliteRE is operated under Villanova Insurance Partners. Management team including Michael Holland (President), Victor D'Angelo (COO), Jimmy Forster (CFO) manage both Villanova Insurance Partners and EliteMGA/EliteRE.
• Elite Inspection WarrantycoreOthersElite Inspection Warranty program (eliteinspectionwarranty.com) offered as separate but related service. Kathleen Kuhn serves as National Program Advisor for the warranty program. Provides 90/120 day inspection warranties for homebuyers.

Scale indicators8 records

Recent moves9 records

Expansion highlights6 records

Broad incumbents

• Markel: Specialty insurer with small commercial professional liability offerings that include home inspector E&O among many other professions.
• Amwins: Specialty insurance distributor and MGA placing E&O/professional liability coverage into niche professions similar to home inspection.
• RPS (Risk Placement Services): Wholesale broker and MGA platform placing a wide range of specialty E&O and professional liability risks, including home inspection.
• Insurance Office of America (IOA): Large national insurance brokerage and MGA with broad P&C capabilities that places home inspector E&O as part of a wider product portfolio.
• Hiscox: Large specialty insurer offering professional liability/E&O policies to small businesses including home inspectors, though not specialized to the vertical.

Direct peers

• InspectorPro: Direct competitor also specializing exclusively in Errors & Omissions and general liability insurance for home inspectors. Closest comparable in product, customer base, and vertical specialization.
• InspectorPro Advocate: Adjacent home-inspector-focused insurance product from the same parent as InspectorPro, offering pre-claim and legal defense services comparable to EliteMGA's ClaimsAssist.
• Inspector's Choice: MGA providing home inspector E&O and general liability coverage. Direct competitor in the same niche with similar association-driven distribution model.
• OREP (Organization of Real Estate Professionals): Specialty insurance and risk management provider serving home inspectors and real estate professionals. Competes on E&O policies and association partnerships.

Emerging players

• Nautilus Insurance Group: Excess & surplus lines carrier writing commercial and professional liability coverage that overlaps with home inspector E&O and GL risks.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat6 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/EliteInspect
• YouTubeyoutube.com/channel/UCz6zJ_Gj5nHIK6ORdHhRPLQ

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about EliteMGA, LLC - Home Inspector E&O Insurance