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Posted on: July 18, 2025 by Huntersure
Construction testing and inspection firms — serving an industry with nearly 3.9 million U.S. businesses as of 2024 — are operating in an era of transformation. Drones, smart sensors, and digital reporting tools have pushed the profession well beyond clipboards and manual documentation.
While these innovations improve accuracy and efficiency, they also introduce new liability exposures. As a result, professional liability for testing and inspection services has never been more essential.
Inspections today are defined by high-tech capabilities. Drones can reach hazardous or elevated areas, 3D scanners create accurate structural maps, and IoT sensors deliver real-time performance data. These tools have certainly raised the bar, but they’ve also raised the stakes.
If a drone misses damage due to a hardware malfunction or a software algorithm misreads concrete strength data, clients may suffer financial losses. Even when equipment functions correctly, professionals could still face claims for misinterpreting outputs or overlooking red flags. In short, as tools get smarter, the responsibility shifts more squarely onto the shoulders of the professionals using them.
The rise of tech hasn’t eliminated risk; it’s simply changed the nature of it. And that’s something insurance agents must consider when evaluating their clients’ coverage.
Digital tools haven’t just changed how work gets done; they’ve changed what clients expect. Real-time data delivery, instant dashboards, and streamlined reports have become the norm. As a result, tolerance for errors, delays, or formatting issues is shrinking.
Something as minor as delays, file transmission glitches, or inconsistencies in report formatting can now carry major consequences. That’s especially true when inspection results are tied to permits, payment milestones, or compliance deadlines. Digital systems also leave a clear audit trail, making every misstep easier to trace and dispute.
That visibility means E&O claims tied to missed deliverables or data issues are no longer rare. In fact, they’re becoming a regular part of the risk landscape in construction environments that run on high expectations and tight deadlines.
While most professional liability policies offer broad protection, many were written with traditional service models in mind. Firms using proprietary digital platforms, AI-enhanced analysis, or third-party software often face risks that those policies don’t fully address.
That’s where Huntersure’s professional liability for testing and inspection services can help. Underwritten through Lloyd’s and built for flexibility, Huntersure’s policies account for modern exposures like misinterpretation of technical data, failure to identify nonconforming components, or contract-driven deliverable disputes.
Below are some of the coverage inclusions:
Huntersure’s underwriting team understands both legacy risk and emerging exposures across fields like soil testing, crane inspections, and lab-based evaluations. Coverage is available in the United States and Canada, with global extensions where needed.
As inspection methods evolve, so should the protections behind them. Relying on outdated policies for today’s exposures is a risky bet. Agents who understand these shifts and have solutions that reflect them deliver real value to clients.
Huntersure makes it easy to align coverage with how firms operate today. Whether your client is a contract lab, a fire sprinkler inspector, or a materials testing company, Huntersure’s expertise and responsive quoting process help you deliver tailored protection with confidence.
Contact us today to learn how Huntersure’s professional liability coverage for testing and inspection services can help protect your clients in a rapidly changing field.
Huntersure LLC is a full-service Managing General Agency that has provided insurance program administration for professional liability products to our partners across the United States since 2007. We specialize in providing insurance solutions for businesses of all sizes. Our program features can cover small firms (grossing $2.5 million annually) to large corporations (grossing $25 million annually or more). We make doing business with us easy with our breadth and depth of knowledge of E&O insurance, our proprietary underwriting system that allows for responsive quoting, binding, and policy issuance and tailored products to meet the needs of your insureds. Give us a call at (855) 585-6255 to learn more.
Posted in: Professional Liability Professional Liability for Testing and Inspection Services