The Hartford doesn’t offer process server insurance online, but a local agency or Tivly may be able to help you find the coverage you need. The following content includes information from various sources and can change over time.
What Is Process Server Insurance?
Process server insurance is a package made up of different types of business insurance coverages designed to help protect you from the risks you might face as you deliver documents and handle sensitive interactions.
A process server insurance package can include these common types of coverage:
- Business Owner’s Policy (BOP)
- Workers’ compensation insurance
- Commercial auto insurance
- Professional liability insurance
Why Might You Need Process Server Insurance?
Process server insurance is a collection of coverages designed to help protect you from the setbacks you might face during normal operations. Maybe your employee’s persistence to serve legal documents leads to a physical altercation or your business’ car gets vandalized and is in the shop for weeks. Even less visible risks, like a data breach that exposes sensitive client information, can harm your reputation and your income.
This insurance package can help protect your business from many potential risks, like:
- Car accidents: You accidentally rear-end another car while on the way to serve papers.
- Equipment loss: Someone steals your tablet and computer from your car while you’re in court.
- Lawsuits: Someone claims you trespassed on their property and sues your business.
Who May Need Process Server Insurance?
Insurance coverage can help protect many types of businesses providing process server services, including:
- Independent process servers
- Process serving agencies
- Civil process servers
- Legal support process servers
What Process Server Insurance Coverages Might I Need?
When it comes to protecting your process server business, you’ll want coverage that matches your potential risks. Many small business owners start with a Business Owner’s Policy (BOP) because of the peace of mind it can provide.
A BOP combines three types of coverage to help protect you from everyday risks:
General liability insurance helps protect your business from claims that it caused bodily injury or property damage to others. For example, if you accidentally knock a planter off someone’s porch while serving papers and it shatters, this coverage can help pay to replace it.
Commercial property insurance helps protect the owned or rented building you operate from, as well as the tools and equipment you rely on. These can include:
- Computers
- Printers
- Tablets
- Folders
- Phones
Business income insurance helps replace your lost wages if you can’t operate temporarily because of covered property damage from wind, fire or theft.
It’s important to remember that a BOP won’t cover every kind of claim you might face as a process server. You’ll need to get other types of insurance to have well-rounded protection, such as:
Workers’ compensation insurance to give your employees benefits if they get a work-related injury or illness.
Workers’ compensation insurance to give your employees benefits if they get a work-related injury or illness.
Commercial auto insurance to help cover claims from an auto accident that occurs while you or an employee drives a company-owned vehicle for work. If you use a personally-owned vehicle, you may want to consider hired and non-owned auto insurance.
How Much Does Process Server Insurance Cost?
Although The Hartford doesn’t offer coverage for process servers, here are the average costs our small business customers pay for common types of insurance. You can use these amounts to help estimate your coverage costs:**
- BOP: $1,687 a year, or about $141 a month
- Stand-alone general liability insurance: $810 a year, or about $68 a month
- Workers’ compensation insurance: $1,032 a year, or $86 a month
- Professional liability insurance: $744 a year, or $62 a month1
The cost of process server insurance varies because every business faces unique risks. Insurance companies may consider several factors when determining your coverage costs, including:
- Number of employees
- Location of your business
- Type of coverage
- Your claims history
- The limits you select for your coverage
To find out your specific process server business insurance costs, get a free quote online through Tivly.
General Liability Insurance
“A pedestrian slipped on the sidewalk outside my building and sued me, claiming I didn’t clear the snow and ice.”
General liability insurance helps cover claims that your business caused bodily injury or property damage to someone else.
Professional Liability Insurance
“A client claimed the notification form we used caused confusion and delayed their case.”
Professional liability insurance helps protect your business from claims that it made an error in the professional services given to a client. It can help pay attorney fees or other court-related costs.
Workers’ Compensation Insurance
“One of my employees was physically assaulted after serving someone. He had to go to the hospital and take a week off from work.”
Workers’ compensation insurance gives your team benefits to help them recover from work-related injuries or illnesses. It can help pay their medical bills and replace lost wages.
Commercial Auto Insurance
“I was driving to the courthouse when I accidentally side-swiped a car parked on the street.”
Commercial auto insurance helps protect you on the road when using a company-owned vehicle for work.
Commercial Property Insurance
“We missed a time-sensitive serve because of a power outage.”
Commercial property insurance helps protect your business' equipment, furniture and inventory from loss or damage caused by events like storms, fires or vandalism.
Business Income Insurance
“A fire broke out in the building where my business is located. It quickly spread, and I had to close for a week while they fixed the smoke damage.”
Business income insurance can help replace your lost income if you can’t operate temporarily because of damages caused by a fire. It can help pay ongoing operating costs, like payroll or utility bills.
Get a Quote for Process Server Insurance Options
Serve with confidence every day. Get insurance coverage from Tivly to help protect your business.
Last Updated: May 20, 2026
1 What you pay for professional liability insurance will vary by product, limits chosen and risk class or hazard group associated with your business.
2 The Hartford, “Water and Freezing Damage, Burglary Lead The Hartford’s Top Five Small Business Claims,” viewed April 2026.
3 U.S. Bureau of Labor Statistics, "Employer-Reported Workplace Injuries and Illnesses in 2023,” viewed May 2026.
4 National Fire Protection Association, “Fire Loss in the United States,” viewed April 2026.
** Costs, premiums, and coverages mentioned are estimates and are not guaranteed. Actual cost, premium, and coverage are determined at the time of quote or issue and are specific to an individual risk. Premiums are based on information provided to The Hartford, including, but not limited to, underwriting and rating criteria. All examples included on this website or in an advertisement are intended for informational purposes only and are not an offer or a guarantee of premium or coverage. Coverage and products described are subject to the terms and conditions found in the policy contract. Any educational information provided about available coverages does not modify the policy language or imply that any claim is covered. Products are not available in all states or for all businesses.
The Hartford does not currently have a product available to provide the coverage described on this page. You are being referred to Tivly in an effort to connect you with a carrier who may provide this coverage. This link will redirect you to a third-party website, owned and operated by an independent party ("Tivly"). Any link you make to or from the Tivly website will be at your own risk. Any use of the Tivly website will be subject to and any information you provide will be governed by the terms of the Tivly website, including those relating to confidentiality, data privacy and security. The Hartford and its affiliates (collectively "The Hartford") do not endorse or approve and make no warranties, representations or undertakings relating to the content of the Tivly website. The Hartford assumes no liability for loss, damage and any other consequence resulting directly or indirectly from your access to the Tivly website or any information that you may provide on the Tivly website.
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