The Hartford doesn’t offer private investigator 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 Private Investigator Insurance?
Private detective insurance is made up of different types of business insurance coverages designed to help protect you from the specific risks of your investigative work. Whether you're working on high-stakes cases, conducting surveillance or managing confidential leads, there’s always potential for unexpected incidents to come up. The right type of insurance helps safeguard your business against claims related to property damage, legal liabilities and professional errors.
Although The Hartford doesn’t offer private investigators insurance, we help connect professionals like you to Tivly, so you can get the coverage you’re looking for.
Why Might You Need Private Investigation Insurance?
Private investigator insurance helps protect you from the challenges you may encounter during normal operations. For example, if your expensive equipment gets stolen during a surveillance job, you’d have to pay out of pocket to replace it without coverage.
Private investigator insurance coverage can help protect you from potential risks, like:
- A client suing over inaccurate findings: A client claims your findings were faulty and files a lawsuit for damages.
- Equipment getting damaged during an investigation: Your camera is broken during surveillance.
- An employee getting injured on the job: Your assistant falls on the job, leading to medical bills and lost work.
Who May Need Private Investigator Insurance?
Insurance coverage can help many types of private investigators, including:
- Surveillance investigators
- Insurance fraud investigators
- Corporate and employee misconduct investigators
- Background check investigators
- Legal investigators
What Private Investigation Insurance Coverages Might I Need?
When it comes to protecting your private investigation business, you’ll want coverage that matches your potential risks. Many private investigators start with a Business Owner’s Policy (BOP) because of the peace of mind it can provide. It combines three types of coverage to help protect you from everyday risks:
General liability insurance helps protect you from claims that you or your business caused bodily injury or property damage to someone else.
Commercial property insurance helps protect the owned or rented building you operate from, as well as your tools and equipment.
Business income insurance helps replace lost income if you can’t operate temporarily due to covered property damage.
A BOP won’t cover every kind of claim your business could face. So, you’ll need to get other types of coverage to create a more comprehensive insurance plan, including:
Workers’ compensation insurance to give your employees benefits to help them recover from a work-related injury or illness.
Commercial auto insurance to help cover claims from an auto accident your business causes if you or an employee drives a company-owned vehicle for work.
How Much Does Private Investigator Insurance Cost?
Although The Hartford doesn’t offer coverage for private investigators, here are the average costs our small business customers pay for common coverages. You can use these amounts to help estimate your insurance 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 (PLI): $744 a year, or $62 a month1
The cost of private investigator insurance varies because every business has unique risks. Insurance companies consider several factors when determining your coverage cost, including:
- Number of employees
- Location of your business
- Type of coverage
- Your claims history
- Coverage limits you select
To find out your specific private investigator insurance costs, get a free online get a free quote online through Tivly.
General Liability Insurance
“A client tripped on a rug coming into our office and sued us to cover their hospital bills.”
General liability insurance helps cover claims that your business caused bodily injury or property damage to someone else.
Cyber Insurance
“Our system was hacked, and private customer information was compromised.”
Cyber insurance can help you respond to a breach if personally identifiable information (PII) gets lost or stolen. It helps pay your costs to notify impacted individuals and offer credit monitoring services.
Workers’ Compensation Insurance
“My partner broke their leg while on a field assignment and had to take a month off.”
Workers’ compensation insurance gives your employees 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
“One of my photographers was driving our business car to an assignment when she lost control and damaged someone’s fence.”
Commercial auto insurance can help cover property damage and bodily injury claims if you or an employee gets into an accident while driving a business-owned vehicle for work.
Commercial Property Insurance
“A fire in the building next door spread to our offices and caused significant damage.”
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 pipe burst in our building and damaged our computers, printers and furniture. We couldn’t take on any assignments until we got new equipment.”
Business income insurance helps replace your lost income if you can’t operate temporarily because of covered property damage.
Secure Your Business With Private Investigator Insurance
Stay focused on your work with a comprehensive insurance policy. Get a free online quote from Tivly.
** 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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