Professional liability
Negligent investigation and client claims about the work.
Business Insurance
Private investigator insurance for licensed work.
Surveillance produces privacy claims from people who never hired you. That is a different exposure from a dissatisfied client.
Investigators face claims from two directions: clients unhappy with the work, and third parties who object to being investigated. Invasion of privacy, defamation and negligent investigation are the recognised exposures, and Texas licenses the profession through the Department of Public Safety.
Privacy, defamation and the third party
The subject of an investigation is not your client and has no contract with you, but can still bring a claim — invasion of privacy, trespass, or defamation arising from a report. Professional liability written for investigators contemplates that; a generic policy may not.
If the work involves armed activity, or overlaps with guard services, that needs declaring separately. Carriers treat investigation and physical security as distinct classes even where one firm does both.
What it covers
The parts of a private investigator insurance policy
Invasion of privacy
Third-party claims from the subject of an investigation.
Personal injury
Defamation and libel arising from reports and findings.
General liability
Premises and operations cover, plus client contract requirements.
Working with us
What we do differently
We are an independent agency, so we place your private investigator insurance across several carriers rather than fitting you to one company's product. That means a genuine comparison, and someone to call who is not a call centre.
- Make sure invasion of privacy and defamation are included, not excluded
- Declare any armed or guard activity separately from investigation work
- Keep Texas DPS licensing current — it is a condition on most policies
Common questions
Private Investigator Insurance, answered
Can the subject of an investigation sue me?
Yes. Invasion of privacy, trespass and defamation claims come from people who never hired you and have no contract with you, which is why cover written for investigators addresses third-party claims specifically.
Is defamation covered?
Under the personal injury section on a properly written policy. Reports and findings that damage someone's reputation are a recognised exposure in this profession.
Do I need separate cover if I also provide security guards?
Usually yes. Carriers treat investigation and physical security as different classes, and guard work brings assault and battery exposure that an investigator policy will not include.
Related cover
Often arranged alongside this
Security Guard Insurance
The job is to intervene. That is precisely why assault and battery and false arrest cover are the two lines that matter most.
Read moreProfessional Liability Insurance
General liability covers injury and damage. It does not cover being wrong. If clients rely on your work, that is the gap this fills.
Read moreBusiness Insurance
A shop, a contractor and a software firm face entirely different risks. We place commercial cover across multiple carriers rather than fitting you to one company's template.
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