When starting a home watch service business do you need to be bonded or have liability insurance?

Answer

Yep, You have to have insurance for everything.
To be more specific, you need two types of insurance for a Home Watch business. You need general liability and you need Professional Liability, also called Errors and Omissions Insurance.

General Liability protects you while inside the home from pre-existing conditions and general risks such as a toilet that backs up while you are in the house.

Professional Liability is in case you miss something that you should have seen as a Home Watch Professional. Roof leaks that are clearly visible but that you missed would be covered by this 'errors and omissions' insurance.

The insurance is not easy to find.