It is typically in the inspector’s best interest to carry general liability and E&O insurance. Additionally, many clients will not entertain a proposal without some form of insurance protection.
Some will ask to be listed as an additionally insured on your policy, including your client, seller, property manager, or broker. The What to Do When the Owner of a Commercial Property Asks the Inspector for a Copy of the Inspector’s Certificate of Insurance or Asks to Be Named as an Additional Insured article provides additional information about this situation.