Insurance for Private Investigators & Investigation Services
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What Insurance Do Private Investigators & Investigation Services Need?
Commercial Auto Insurance covers your cars, trucks, and vans used in your business. It covers the costs from vehicle damage in collisions, theft, vandalism and weather damage. It also covers medical expenses for to injured parties.
General Liability Insurance protects your small business against claims of third-party bodily injury and property damage, reputational harm and advertising injury. It covers medical bills, repair costs & legal fees.
Professional Liability Insurance (or E&O Insurance), protects your small business from claims of mistakes, negligence or malpractice made when providing your services that caused sobody financial loss. PLI covers your legal defense costs, damages and settlements.
Equipment Breakdown Insurance protects your equipment from breakdowns caused by motor burnout, power surges, boiler malfunction, and operating error. It covers you for the costs to replace or repair your damaged equipment, and other related expenses.
Business Owners Policy (BOP) protects you from business liability and property damage at a lower cost. BOP covers claims resulting from fire, theft & disasters. BOP also covers claims of bodily injury or property damage during your business operations.
Cyber Liability Insurance protects you from the theft of sensitive data. If you suffer a data breach or software attack, Cyber Liability Insurance will cover the costs of notifying and restoring affected customers, recovering data and repairing security systems.
Workers Compensation covers your employees' medical costs and lost wages while recovering from a work-related injury or illness. The employee gives up the right to sue your company in return for receiving cash and benefits from Workers Compensation. In some states it’s mandatory for businesses!
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.