New York State Home Inspection Professional Licensing ACT Practice Exam 2025 - Free Home Inspector Practice Questions and Study Guide

The correct response emphasizes the comprehensive nature of the information required in the proof of liability coverage for home inspectors. Including the insured's name ensures that the coverage is specifically attributed to the individual or entity conducting the home inspections. The policy number is essential as it serves as a unique identifier for the specific insurance policy, allowing verification of the coverage directly with the insurance provider.

Additionally, the name and address of the insurance company are critical pieces of information. This allows third parties—such as potential clients, real estate agents, or regulatory bodies—to verify the legitimacy of the coverage and contact the insurer if questions arise about the policy.

Lastly, including the term of the policy is vital because it indicates the duration for which the coverage is valid. This information helps ensure that the home inspector remains insured for the period they are actively conducting inspections, which is fundamental to the protection of clients and the inspector themselves in case of a liability claim.

By requiring all these components to be present in the proof of liability coverage, the regulations ensure that there is clarity and accountability in the home inspection profession, thereby safeguarding the interests of clients and enhancing the professionalism of the field.