Professional Liability Insurance–also referred to as Errors and Omissions (E&O)–provides financial protection from damages and expenses (such as legal fees and court costs) arising out of allegations of the negligent acts, errors, or omissions of the Private Investigator, their employees, or others operating under the direction of the Insured.

POLICY FEATURES

• Professional liability protection for services provided by private investigators, including investigation of facts, review of financial data and other information, surveillance, determination of wrongdoing and other similar activities.
• Coverage for Personal Injury, including allegations of false arrest, malicious prosecution, wrongful eviction, and invasion of privacy.
• Minimum premiums as low as $850 ($500,000/$500,000 limit)
• Coverage for punitive or exemplary damages, where insurable by law.  Subject to a sub-limit of $250,000.  Other restrictions apply.
• Duty to defend policy provision.
• Coverage includes vicarious liability resulting from any negligent actions allegedly committed by a third party acting on the direction of the Insured.  The term “vicarious liability” is defined as one person being liable for the negligent actions of another even though the first person was not directly responsible for the error or omission.
• Protection against allegations of Bodily Injury, Personal Injury, or Property Damage arising from a covered event
• ANCILLARY BENEFIT—IDENTITY THEFT PROTECTION