Looking for Investigation Services Insurance?
Protect your investigation business from liability claims, E&O exposure, privacy violations, and equipment damage. Get coverage for private investigators, surveillance services, and investigation agencies.
What is Investigation Services Insurance?
Investigation services insurance protects investigators from financial losses related to professional errors, privacy claims, defamation allegations, and accidental property damage during investigative work. Coverage typically includes professional liability (E&O), general liability, cyber liability, and equipment protection. Attorneys, corporate clients, and government entities often require proof of insurance before engaging investigative services.
Professional Liability (E&O)
Covers claims alleging investigation errors, privacy violations, defamation, or negligent investigative services that result in client damages.
General Liability
Protects against bodily injury or property damage claims that occur while conducting investigations at client sites or third-party locations.
Equipment Protection
Covers cameras, surveillance gear, GPS trackers, drones (if applicable), and other investigative tools against theft, damage, or loss.
Cyber Liability
Protects against data breaches, unauthorized access to digital records, and exposure of sensitive investigative information.
Certificates
Fast proof of insurance for attorneys, corporate clients, and contracting agencies.
Who Needs Investigation Services Insurance?
- Private investigators : Businesses requiring specialized insurance coverage
- Surveillance service providers : Businesses requiring specialized insurance coverage
- Investigation agencies : Businesses requiring specialized insurance coverage
- Background check and screening companies : Businesses requiring specialized insurance coverage
Why Harper?
Investigation-Specific Risk Expertise
Harper understands investigator-specific exposures: privacy claims, defamation risks, surveillance liability, and documentation disputes.
Fast Proof for Legal & Corporate Clients
Attorneys and corporate clients often require insurance before engagement. We deliver certificates quickly to avoid delays.
Clear, Practical Coverage Guidance
We explain E&O, privacy liability, cyber exposure, and equipment coverage in clear, actionable terms.
Coverage Matched to Your Investigation Type
Policies are tailored for surveillance, background checks, fraud investigations, digital investigations, or process serving.
Frequently Asked Questions
What insurance do investigators need?
Most investigators need professional liability (E&O) for investigation errors or privacy claims, general liability for property damage or injuries, equipment coverage for surveillance tools, and cyber liability if handling digital records. Commercial auto is recommended for mobile investigations.
Is investigation insurance required?
Many attorneys and corporate clients require E&O coverage before hiring investigators. Some states also require insurance for private investigator licensing.
How much does investigation insurance cost?
Solo investigators typically pay $1,000–$3,000 annually. Investigation agencies may pay $3,000–$10,000+, depending on services, staff size, and revenue.
Does insurance cover privacy violations?
Professional liability can cover defense costs and claims arising from alleged privacy violations when investigations were conducted in accordance with legal and regulatory guidelines.
Does insurance cover equipment theft or damage?
Yes. Equipment (inland marine) coverage protects cameras, surveillance devices, and investigative tools from theft, loss, or damage.
Can attorneys be added as additional insureds?
Some legal contracts require it. Harper helps determine when it’s appropriate and handles certificates and endorsements as needed.