Private Investigator Insurance

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Zensurance - Private Investigator

What is private investigator insurance?

Private Investigator Insurance is a policy package specially designed to protect private investigators against specific risks associated with their professions, such as negligence, errors, omissions, or third-party damages.

Mistakes can happen and disrupt your business in a matter of minutes. We know what makes your business unique; leave it to us to find the best fit for you.

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D&O Coverage

What does it cover?

A comprehensive Private Investigator Insurance program will typically include the following policies: 

Directors needing D&O

Do private investigators need insurance?

Any private investigator or company providing professional consulting services or advice should protect themselves with a comprehensive insurance policy package. If a client determines your advice or service was less than satisfactory or resulted in a financial loss to them, they may take legal action.

We’ve insured more than 1,000 security professionals. Some of our clients include:

  • Private Detectives
  • Arson/Fire Investigators
  • Cyber/Computer Forensics
  • Corporate Investigators
  • Financial/Insurance Investigators
  • Store Detectives
D&O Insurance Costs

How much does it cost?

A private investigator insurance package starts at $900 for a CGL policy with a $1,000,000 limit and $250,000 Errors and Omissions sub-limit.

The following factors are taken into consideration when determining the best policy options for your practice:

  • Industry
  • Years of Experience
  • Number of Employees
  • Claims History
  • Annual and Projected Gross Revenue

When you fill out our online application, we will ask some questions about your business to understand your requirements better.

Getting insured is quick and easy!

Complete our 5-minute online application form for a free insurance quote.

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Common claims scenarios

background check

Problem: You clear a senior-level job candidate after performing a background check. Your client hires the person; soon after, they are found guilty of insider trading.

Outcome: Your Professional Liability Insurance policy covers the defence costs and monetary judgment, totalling $250,000.

Confidential Information

Problem: You are held for ransom after a hacker infiltrates your data system and gains highly classified information on a corporate fraud case you are investigating.

Outcome: Your Cyber Insurance covers the costs of legal expenses and the cost to recover the classified information, totalling $500,000.

injured client

Problem: In the middle of a missing child case, you invite a potential witness to your office for an interview. Upon arrival, the witness falls and injure themselves on the way up the stairs.

Outcome: The client successfully sues you for bodily injury. Your Commercial General Liability Insurance (CGL) covers the medical expenses and legal fees, totalling $36,000.

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