Coverage for every kind of inspector
One trade. Six coverage tracks — solo 1099, household, franchise office, specialty trade, commercial multi-state, and accident income protection.
Coverage for every kind of inspector.
Foundation Health is built around one trade. Pick the lane that fits your inspection business — solo 1099, household, franchise, specialty, commercial, or income protection.
Solo · 1099Independent home inspectors
You ARE the business. ACA marketplace plans priced around your actual Schedule C net income — not your gross.
- Pre-purchase & pre-listing inspectors
- Newly licensed, leaving a W-2 firm
- Side-hustle and part-time inspectors
FamilyInspector households
Spouse and kids on the plan, priced off your inspection income. Maternity, pediatric dental and vision included.
- Dual-1099 households (inspector + contractor spouse)
- Single-earner inspector families
- Family-of-four ACA plans from $498/mo
FranchiseFranchise & multi-inspector offices
Pillar To Post, WIN, HouseMaster, AmeriSpec, independent multi-inspector firms with 2–25 licensees.
- ICHRA reimbursement design
- Level-funded with claims refund
- Renewal review with claims data
SpecialtyMold, pest, radon, sewer-scope
Trades that get flagged or surcharged by general brokers. We pre-place with carriers that underwrite specialty inspectors at standard rates.
- WDI / WDO certified
- Air-quality & remediation reporters
- Sewer-scope and structural specialists
CommercialCommercial property inspectors
Multi-state PPO emphasis for inspectors traveling for portfolio clients, due-diligence work, and industrial buildings.
- Multi-family, retail, industrial
- Due-diligence transaction inspectors
- Portfolio-account commercial work
AccidentAccident & income supplements
Cash-benefit add-ons for the day a ladder, roof, or crawlspace puts you down. Pays YOU, not the hospital.
- Ladder / roof fall coverage
- Hospital indemnity per night
- Lost-inspection-day income