The right coverage for your Private Investigator business

Are you in the private investigator business? If so, you perform a wide range of services. And you take on many risks. We know the risks and can make sure your business is covered.

Protect Your Assets

If you're in the private investigator business, having broad insurance is vital to protecting your assets. That's where our insurance coverages can help: from liability insurance to workers comp and more.

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Customized Coverage

Thanks to decades insuring private investigator companies, we understand challenges facing businesses like yours. We can create custom coverage broad enough for your business needs at a sensible price.

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APPLYING FOR COVERAGE

You can apply for private investigator insurance at the top of this page in the Get A Quote box at the top of this page. Just choose from the drop down list. Alternatively, click below to go to the Applying For Coverage page.

Applications

IS YOUR STATE ELIGIBLE?

We provide private investigator insurance throughout the country, in all 50 states. So whether you're in Alaska, Arizona, Nebraska or New York, your state's eligible.

Risks and Solutions

We've seen many events in the private investigative industry which couldn't be foreseen or avoided. We'll help make sure you're covered so unfortunate events won't put your assets and livelihood at risk.

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Brownyard Programs

Brownyard is the oldest name in security insurance: Coupled with Crum & Forster's depth of experience, we understand how to insure the risks for private investigative companies as well as anyone on the market.

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Common Questions and Answers

Q: What is the right amount of coverage for an investigative firm?
A: Have at least $1 million of coverage per occurrence and $2 million aggregate for general and professional liability. Increase this coverage if there’s more risk in company operations or contract requirements. Don’t accept a certificate for a master policy as adequate coverage. Your company should be the only one on the policy. Many contracts require a combined limit of general/professional liability and excess/umbrella combined limit from $5-$10 million. Check with your broker for contract requirements.

Q: What standard coverages should an investigative firm require of their carrier?
A: Adequate limits of coverage. General and Professional coverage. No sub-limits on major coverage risks. No limitation of assault and battery to “reasonable force.” No exclusions for unlicensed investigators Broad contractual coverage. Broad coverage for theft by 1st and 3rd Parties. No conviction or anti-collusion clauses on theft coverage. Vicarious liability coverage for intentional and criminal acts that protect the company. No exclusion for punitive damages. Sexual Harassment/Molestation/Discrimination coverage. Coverage for all property in the company’s care, custody, and control. Protection from third-party oversuit – where clients sue the contractor after an employee sues the client.