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Appraisers are professionals who determine the value of property or goods. They establish the values of real estate as well as items such as jewelry, artwork and collectables. Determinations of a property's worth may be necessary for tax or financial statements, loss adjustments, insurance and claim purposes, donations, inventories, equitable distributions or real estate purchases.

General Liability Insurance for Appraisers – The risk of injuries to third parties at appraisers’ offices is low, but since appraisers spend much time off-site, there is a chance of lawsuits occurring due to inappropriate behavior by appraisers. Appraisers will also be liable if they damage the property of their clients.

Professional Liability Insurance for Appraisers – As professionals, appraisers who determine the worth of property, mistakes can result in serious lawsuits that can cost their clients tens of thousands of dollars or more.

Workers’ Compensation Insurance for Appraisers – Appraisers may sustain injuries on the job, and the risk of this happening is high if off-site visits are required. Appraisers may find themselves in hazardous locations and the risk of injury is high if they do not wear protective gear. Real estate appraisers are at higher risk of injury while out in the field.

Business Auto Insurance for Appraisers – Appraisers may require travel to off-site locations, and in that case, the risk of accidents occurring in owned, non-owned and hired vehicles exists. Risks can be decreased if MVRs are pre-approved for all drivers.

Property Insurance for Appraisers – Just as in any other office, fire is an issue in the offices of appraisers and may be caused by indoor smoking, for example. Important documents may be lost in a fire if they are not stored in fireproof cabinets or if electronic images are not backed up and stored off premises. Off premises computer backups should be maintained on a daily basis for software and data on all computer servers including email and web servers. The backup systems should be regularly tested to make sure that they are working properly.

Crime Insurance for Appraisers – The primary risk for crime at these businesses involves dishonest employees who steal money or property from clients and/or their employer. Employees may steal valuable items that are brought on the premises for appraisal. Pre-screening procedures, such as reference and background checks, should be required before hiring new employees.