National Home Inspector Practice Exam

What type of insurance would typically cover injuries resulting from an uncovered crawl space?

1. General liability and bonding.

2. General liability and homeowners' coverage.

3. Errors and omissions and broker liability.

4. Claims made and occurrence.

The correct answer is: General liability and homeowners' coverage.

The choice of general liability and homeowners' coverage as the correct answer reflects an understanding of how different types of insurance function within the context of property and injury-related claims. General liability insurance is designed to protect individuals or businesses from claims of bodily injury, property damage, personal injury, and other liabilities that can occur during the course of their operations. In the scenario of an uncovered crawl space, if a visitor or an occupant were to get injured due to the hazardous condition created by the uncovered crawl space, general liability insurance would typically provide coverage for those injuries. Homeowners' coverage is relevant here as well because it often includes liability protection that addresses incidents occurring on the property. If someone were to sustain injuries from an uncovered crawl space while on the property, a homeowners’ policy would likely cover claims related to such incidents, thereby offering financial protection. In contrast, the other options include types of insurance that don't directly address the scenario given. Errors and omissions insurance is meant for professionals, such as real estate agents and inspectors, covering claims related to negligence or failure to perform professional duties rather than physical injuries. Broker liability also pertains to professional duties related to real estate transactions and does not provide coverage for direct physical injury incidents that might occur on a property.