Liability Insurance Coverage
Private Investigator/PI, Forensic Investigator, & Detective
Fast quotes and niche insurance market access for private investigative agencies.
Comprehensive Coverage for Investigative Professionals
Protecting those who uncover the truth with professional liability and specialized coverage solutions.
Private Investigators, Detectives, and Forensic Investigators, often referred to as a “PI”, use many methods to determine the facts in a variety of matters. To carry out investigations, they may use various types of surveillance or searches. To verify facts, such as an individual's place of employment or income, they may make phone calls or visit a subject's workplace. In other cases, especially those involving missing persons and background checks, investigators often interview people to gather as much information as possible about an individual. In all cases, private investigators, detectives, and forensic investigators assist attorneys, insurance companies, businesses, and the public with legal, financial, and personal problems.
Private Investigators, Detectives, and Forensic Investigators offer many services, including corporate executive protection, pre-employment verification, and individual background profiles. They investigate computer crimes, such as identity theft, harassing e-mails, and illegal downloading of copyrighted material. They also provide assistance in civil liability and personal injury cases, insurance claims and fraud, child custody and protection cases, missing persons cases, and premarital screening. They are sometimes hired to investigate individuals to prove or disprove infidelity.
Protecting Your Investigative Firm and Clients
Coverage (Occurance)
- Commercial General Liability – 1996 ISO Occurrence Forms
- Errors and Omissions Liability Endorsement
- Sexual Abuse & Molestation
- Business Personal Property & Property In-Transit Coverage
- Cyber Liability and Computer Technology Coverage
- Care, Custody, Control Amendatory Endorsement
- Real Property Damage Amendatory Endorsement
- Blanket Additional Insured’s
- Lost Key Liability Endorsement
- Firearms Coverage Endorsement
- Assault and Battery Amendatory Endorsement
Optional Coverage
- Non-Owned/Hired Auto Liability Coverage (Maximum Liability Limits $1,000,000 per Occurrence; Employees must carry $100,000 Liability Limits on Personal Auto)
- Primary Wording Endorsement
- Waiver of Subrogation Endorsement
- Excess to $2,000,000/$3,000,000; $3,000,000/$4,000,000; $4,000,000/$5,000,000; $5,000,000/$5,000,000
- Misc. Property Coverage $50,000 or $100,000 - $500 Deductible
- Workers’ Compensation (except Alaska and Hawaii)
- Commercial Auto
- Property Insurance
- Inland Marine
Tailored Protection for Modern Investigators
This liability risk protection program is designed for:
- Private Investigators
- Detectives
- Forensic Investigators
- Background Checkers
- Accident Reconstructionists
- Insurance Adjusters
- Attorney Services
- Process Servers
- Public Record Retrievers
Most investigators/detectives are trained to perform physical surveillance. They may observe a site, such as the home of a subject/claimant, from an inconspicuous location or a vehicle. They continue the surveillance, often using still and video cameras, binoculars, and a cell phone, until the desired evidence is obtained. This watching and waiting often continues for a long time.
Investigators/detectives also may perform computer database searches or work with someone who does. Computers quickly allow investigators to obtain massive amounts of information on individuals' prior arrests, convictions, and civil legal judgments, telephone numbers, motor vehicle registrations, association and club memberships, and other matters.
All of these types of investigative activities are like walking a tightrope. One slip can have serious and lasting repercussions. We understand your business and have the experience that translates into providing liability coverage commensurate with your degree of risk.