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For individuals and businesses

Attorneys, insurance companies, businesses, and private citizens often rely on private investigators for information-gathering and security purposes. Examples of the many duties of a PI include conducting background checks, doing skip traces (locating debt defaulters), finding missing persons, and investigating marriage infidelity. Some private investigators provide security at locations such as hotels and retail stores, as well as for prominent individuals.

Due to the nature of their work, private investigators face more exposure to liability than workers in many other occupations. If an “injured” party wins a lawsuit filed against a PI, it could have significant career consequences, not to mention the potential loss of financial and personal assets. Carrying a sufficient amount of liability insurance coverage is essential for mitigating this risk — and having peace of mind.

Private investigators often find that obtaining liability insurance is a challenging task — many providers aren’t willing to take on the risk. Other PIs experience the cancellation or non-renewal of their policies after a claim, causing them to scramble to find new coverage.

private investigator insurance
private investigator insurance


What Does Private Investigator Insurance Cover?

XINSURANCE is your source for a customized insurance plan that meets your unique needs. Most private investigators require general liability insurance that covers bodily injury or property damage to others stemming from their investigative work. A GL plan provides compensation to third parties up to the limits of your policy if they sue you and receive a settlement or judgment.  It also covers the expenses associated with your legal defense, such as court costs and attorney fees.

Specialized coverages that apply to the private investigation profession are also available:

  • Invasion of privacy: A PI often must explore hidden or secret aspects of an individual’s life. Invasion of privacy coverage protects against the risks involved with these sensitive investigations.
  • Assault and battery: Private investigators working in security operations may become involved in a physical encounter. This coverage type protects you if an altercation results in injuries to another individual.
  • Errors and omissions: Also known as professional liability insurance for a private investigator, this coverage goes into effect if you make a mistake that results in injuries or damage to another party.
  • Firearms liability and concealed weapon insurance: If you must use your registered firearm in a self-defense situation, this insurance will provide liability and legal defense coverage.
  • Commercial auto (available in most states): Offers liability and physical damage protection for vehicles owned by your PI business.

XINSURANCE will cover a wide variety of activities and risks inherent to working as a PI. However, we do not provide workers’ compensation insurance.

Private Investigator Insurance Coverage Examples

Here are a few scenarios where PI insurance may be necessary:

  • While on security detail at a hotel, you break up a fight between two guests, injuring one of them in the process. Your liability insurance would cover the medical expenses of the injured party.
  • A cheating spouse sues you for invasion of privacy resulting from your investigative tactics. Your liability protection would handle your legal costs and any settlement or judgment amounts up to the policy limits.
  • You neglect to provide crucial information to a corporate client, causing them to make a harmful business decision. If you have errors and omissions coverage, it will go into effect in this situation.

XINSURANCE Offers All-in-One PI Insurance Solutions

Whether you’re looking to find new insurance, replace a canceled policy, or cover gaps or exclusions in your current plan, XINSURANCE can offer a solution. We focus on providing liability insurance solutions for the most difficult risks. Our full range of coverage options includes liability insurance for private investigators that gives you the comprehensive protection you require. Get coverage of up to $10 million, or up to $20 million via our network of reinsurance partners.

Why Choose Us as Your PI Insurance Provider?

At XINSURANCE, we do more than provide comprehensive liability insurance solutions for challenging risks. Our all-in-one policy structure ensures you have coverage for every exposure you face, offering you true peace of mind so you can perform your job with confidence.

As your trusted private investigator insurance partner, we’ll be there to deliver superior service every step of the way. Our suite of in-house services includes flexible underwriting to help you acquire the coverage you need, as well as reliable risk management guidance. With our expert, around-the-clock claims service, you can be sure we’ll process your claim expeditiously and professionally.

Our streamlined process saves time and eliminates hassles when applying for insurance. Start by filling out and submitting our online application form. Our underwriting team will review your app and contact you to schedule a convenient phone conversation to discuss your risk in further detail. We’ll then issue a no-obligation quote for your consideration.

Contact XINSURANCE for a Free Quote Today

Take the next step to getting the liability insurance that will protect your assets and give you peace of mind. Contact us to get a free PI insurance quote today. We’ll also be happy to review your current policy to identify gaps or exclusions that could increase your exposure.

With XINSURANCE, you can purchase customized liability insurance coverage that will protect you in all the areas that your homeowners, employers, and business insurance policies won’t or can’t. Our underwriting team brings you over 40 years of experience, along with the ability to offer customized limits, coverage, deductibles, and premiums to create the perfect plan for your personal protection.

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