If a ladder falls during an inspection and breaks a vase, what type of insurance would be needed to cover the replacement?

General liability insurance is specifically designed to protect businesses against claims resulting from injuries and damage to people or property. In the scenario where a ladder falls during an inspection and breaks a vase, this type of insurance would cover the cost of replacing the damaged property, addressing the liability that arises from the incident.

This insurance is critical for home inspectors as it provides financial coverage against accidents that can occur while performing their duties. It ensures that if an accident damages a client's property, the inspector has the necessary protection to cover the expenses associated with the damages.

Other types of insurance, such as homeowner's insurance, are tailored for personal property and would not typically cover incidents that occur in the course of business activities. Errors and omissions insurance specifically addresses professional mistakes or negligence in the course of providing advice or services, which does not apply to physical damage to property. Bonding generally relates to ensuring that a business can fulfill its obligations and may not provide direct coverage for property damage incidents like this one. Thus, general liability insurance is the appropriate choice for covering the situation described.