Private Investigator Insurance
Specialty insurance solutions tailored to your unique needs.
Get StartedEvery new case brings unique risks; XINSURANCE has a solution that provides true coverage and true peace of mind.
We match your commitment to excellence with insurance solutions designed for the nuances of your profession, ensuring sensitive information and operations are safeguarded.
What is Private Investigator Insurance?
Private investigator insurance is a specialized liability coverage tailored to protect private investigators from the unique risks and challenges they face while conducting investigations.
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.
Choosing the right liability insurance means partnering with someone who understands the depth and nuances of your work. It’s not about opting for the cheapest option. A true insurance partner stands with you, fighting for your interests and ensuring that when what can happen does happen, you’re prepared, not penalized. Get a quote today and secure a partnership that values the integrity and critical nature of your work as much as you do.
Who Should Have Private Detective Insurance
We can help all types of private investigators, including:
- Criminal
- Corporate
- Financial
- Domestic
- Missing Persons
- Forensic
- Insurance
- Background Check
- Surveillance
- Fraud
- Civil
- And More!
What Can Private Investigator Insurance Cover?
Commercial General Liability
Provides coverage for injuries and property damage sustained by third parties.
Professional Liability
Coverage for claims regarding negligent acts and more. Learn more.
Firearms Liability*
Coverage for concealed carry, accidental discharge, and more, for both personal and commercial use. Learn more.
*Available in most states
Alleged Assault and Battery Liability
Coverage for claims against you regarding assault and/or battery.
Alleged Sexual Abuse and Molestation Liability
Coverage for claims against you regarding sexual abuse and/or molestation.
Invasion of Privacy
A private investigator 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.
Commercial Auto*
Provides auto liability coverage for your company-owned or personally-owned vehicle primarily used for business purposes. Learn more.
*Available in most states
Animal Liability
Provides coverage for third-party bodily injury and property damage caused by an animal that you own, such as a guard dog. Learn more.
Directors and Officers (D&O) Liability
Protects people from personal losses if they are sued as a result of serving as a director or an officer of an organization. Learn more.
Personal Liability
Personal liability protection in the event of an accident and a claim is made against you. Learn more.
TRU Umbrella
Additional coverage to fill the gaps and cover the exclusions in your existing policy. Learn more.
How To Get A Quote
Request Your Quote
Click the button below to get started on your quote
Specify Your Needs
We’ll schedule a call with you to consult on your needs, and collect more details
Get Your Custom Quote
We’ll use all the information provided to craft a highly personalized quote to address all of your specific insurance needs in one comprehensive policy
FAQs About Private Investigator Insurance
Why do private investigators need insurance?
Private investigators need insurance to protect against potential liabilities and financial losses that could arise during the course of their work, such as lawsuits or claims for damages.
Is insurance required for private investigators?
In some jurisdictions, carrying certain types of insurance, such as general liability insurance, may be a legal requirement for licensing.
Does insurance cover subcontractors used by a PI?
This depends on the policy. Many general liability insurance policies will not cover subcontractors unless they are added to the policy or carry their own separate insurance.
What are some examples of when you might need PI insurance?
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 could 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 could 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.
Can I be insured if I've been dropped or rejected by an insurance company?
Yes, XINSURANCE can help you even if you’ve been declined, canceled, or non-renewed by an insurance company. We step in to provide an insurance solution when others can’t or won’t.
How much does private investigator insurance cost?
The cost of PI insurance varies widely depending on the services offered, the size of the business, the location, and other risk factors. It’s best to contact us and tell us more about you so we can provide a personalized quote.
Get Personalized PI Coverage
Private Investigators can have true peace of mind on the job knowing they have customized liability insurance coverage solutions from XINSURANCE.
Get a quote today!
What our clients say
Insurance for all activities. Excellent product with total coverage for WHEN you need that extra help.
THIS IS INSURANCE I CAN TRUST TO PROTECT ME!
– Dave H.
They are amazing and always there to help you if you have any questions or concerns.
– Arlene A.
XINSURANCE is very easy to deal with. We didn’t have to wait forever for the information we needed. And the whole process of finding a plan that worked for us was almost too easy.
– Leslie A.
Your Trusted Team For Tackling the Unexpected
Fighting for You is What We do Best
At XINSURANCE, we believe in taking an active role in defending the interests of our customers. When an insured is facing challenges such as frivolous lawsuits or unfounded charges, we take pride in staying by their side.
Unique Requirements are Our Specialty
XINSURANCE specializes in covering the extraordinary cases that other agents lack expertise in. If you need something insured and can’t find a policy for it anywhere else — chances are our team will know exactly how to get you coverage for it.
Built-For-You Flexibility & Dedicated Support
The XINSURANCE approach to coverage is anything but “one size fits all”. Our specialty insurance experts work one-on-one with you to fully understand your circumstances, insurance needs, and high-risk areas up front. This means that by the time your policy is issued, we're fully prepared to support you through the worst-case scenarios — not drop you when an incident, claim, or lawsuit occurs.
More of Your Coverage - All In One Place
Though your policies won’t be “one size fits all,” XINSURANCE does take an all-in-one approach to insurance. This means that instead of buying several policies, we’re able to offer coverage solutions for your various needs all in one plan.
What You Can Expect From Our Team
Insurance solutions tailored to your needs
Expansive coverage options
Expert support when facing frivolous charges
Dedicated support & service
Professional Liability
We provide professional liability insurance solutions that can include coverage for negligence or alleged negligence, harmful advice, personal injury, libel and slander, actions of employees, claims from past services, and more.
Small Businesses
We can provide customized liability insurance solutions tailored to your business’s unique needs. Even if another insurance company has declined, canceled, or non-renewed your business, we can still help you!
TRU Umbrella
TRU Umbrella coverage is customized to fit your unique needs by filling the gaps and covering the exclusions in your primary policy for work, home, and play.
