Insurance for Investigation Services

Get business insurance with optimized coverage to meet your exact needs

Prefer to speak with a CoverWallet consultant? Call (646) 844--9933 anytime.

Better, Regardless of Your Size

Coverage Plans for All Your Needs

BASIC

Essential coverages for your investigation business

General Liability (GL)

From
39
Month
Instant quote »

Includes:

  • Coverage against claims from bodily injury, property damage and personal injury
  • Coverage for products/completed operations
Get BASIC plan

STANDARD

To protect your business against service errors

General Liability + Professional Liability

From
59
Month
Instant quote »

All Basic plan benefits and:

  • Professional negligence
  • Retroactive claims (previous contracted work)
  • Subcontractor errors
Get STANDARD plan

PRO

Get protected against employment-related issues

Business Owners Policy (BOP) + Workers Compensation*

From
59
Month
Instant quote »

All Standard plan benefits and:

  • Coverage for work-related accidents and disease and subsequent:
    • Ongoing medical care (such as rehab)
    • Missed wages during recovery

*plus Workers Compensation

Get PRO plan

CUSTOM

When you have specific requirements

Including Commercial Auto, Commercial Property, etc.

From
___
Month
Instant quote »

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We will take care of the switching hassle.

Call us at (646) 844--9933 for help and more information

We've Got You Covered with Coverage You Need

Private investigation services involve a great deal of customers’ personal information, and data collected during your work. Potential data breaches, along with harm to your office, equipment, commercial auto or other assets warrant a comprehensive insurance program. You will be covered against expensive lawsuits and other costly losses that could close your business.

General Liability

General Liability insurance protects your business from "general" third-party claims that involve bodily injuries and property damage. The insurance helps cover the medical expenses and attorney fees for when your business is legally responsible.

Business Owners Policy (BOP)

Business Owners Policy (BOP) is a combination of major property and liability risks in one plan. The insurance actually cost less than buying General Liability and Commercial Property insurance separately. This is great for small and medium-sized businesses as the package has enough coverage for such businesses.

Professional Liability

Professional Liability protects private investigators against claims of negligence. The insurance covers the legal costs and expenses incurred in defending your professionals, as well as any damages or costs that may be awarded when your private investigators are alleged to have provided poor services or inadequate advice that causes your client to lose money.

Commercial Auto

Commercial Auto insurance is like your personal insurance policy in the sense that it provides similar coverages like liability, collision and medical payments. The difference is that it offers higher limits than your personal auto can cover. If you use your personal vehicle for business purposes, this private investigator insurance is highly recommended.

Workers Compensation

Workers' Compensation is a state-mandated insurance where employees who are sick or injured on the job are provided with medical or rehabilitation benefits until they are able to work again. This private investigators insurance can also pay a portion of the lost wages incurred during the time the employee is unable to work.

Equipment Breakdown

The tools and equipment you use for investigative purposes could break due to mechanical or electrical failure. When it does, Equipment Breakdown insurance helps cover repair or replacement costs. This insurance also cover the cost for the time and labor to repair or replace the equipment, income losses during equipment breakdown, and other expenses related to the breakdown.

Cyber Liability

Cyber Liability covers your business for the data breach in which your client's sensitive information like credit card numbers and social security numbers are exposed or stolen by someone who has gained access to your electronic network. It protects your business and keeps your business on a stable footing should an incident like this occurs.

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Frequently Asked Questions

Do I need Assault and Battery Coverage for my investigation service?

Yes. Assault and battery are the risks private investigators commonly have so in order to get private investigators protected, you'll need this type of coverage.

What are typical functions of a private investigator?

Private investigators perform a variety of functions for companies or individuals for information gathering or security. Private investigators are often tasked for celebrity protection, background checks, legal works like building cases for attornies, missing persons and other related tasks.

Do I need Workers Compensation for my investigation business?

Yes. If you meet the minimum state requirements for the number of employees, your business will need Workers' Compensation.

As an independent contractor do I need my own insurance when working for investigative services?

As an independent contractor you should probably carry your own coverage, our request proof from your employer that you are also covered under their insurance. Your work is riskier than most and it is prudent to carry liability protection for legitimate of frivolous claims made against you.

Peace of Mind, At Your Fingertips

CoverWallet utilizes state of the art technology to help small businesses understand and buy customized coverage, get significant savings and conveniently manage their insurance, in a matter of minutes, all through our online platform.

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