Many home inspectors believe that if they tell a client and his/her lawyers that they don’t carry professional liability insurance, the claim will just disappear.
However, there are no shortage of clients making meritless claims. I see them every day. Would no insurance from which to collect on a judgment make the claim just go away? If claimants aren’t deterred by no rational basis for their case, how likely is it that they will stop in their tracks when they realize you don’t have insurance?