yeah they're required to carry the liability insurance, but their standard contract and the fact that Ohio is a buyer beware state, means that if they miss something and it costs you to correct, you're shit out of luck. You don't have to take my word for it though, just contact any real estate attorney and let them know you want to sue a home inspector. As for wood destroying insects, get a pest inspection from Terminix. If you are a current customer they will usually do it for free. In addition to being experts in their field, they can actually give you real numbers about treatment and aren't afraid to climb into the attic, crawl spaces, or move stuff out of the way to look for varmits. As Chris Farley so eloquently stated in Tommy Boy, "I can take a crap in a box and stamp it guaranteed..."