The right coverage for your Private Investigator businessAre 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.
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.Learn more
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.Read More
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.