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Private Investigator & Process Servers

We provide solutions For specialized professions

You are part of a specialized profession providing solutions for your clients. Your insurance should be specialized too. At PayneWest, we provide solutions for your private investigation and process server insurance needs. Like you, we are committed to our clients and strive to provide the best service available. Contact us today to learn more about our unique policies and service.

Included Coverages:

  • General Liability – $1,000,000/$2,000,000
  • Errors & Omissions (separate limits) – $1,000,000/$2,000,000
  • Damage to Premises – $100,000
  • Personal & Advertising Injury – $1,000,000
  • Medical Payments – $5,000
  • Property Damage – $50,000
  • Blanket Additional Insured (including primary and non-contributory and limited waiver) – Included *up to 10 additional insureds
  • Assault & Battery – $300,000/$600,000
  • Lost Key Coverage – $10,000
  • Electronic Data – $50,000
  • Terrorism – Included
Additional Coverages:

  • Employee Benefits – $1,000,000
  • Stop Gap – $1,000,000
  • Assault & Battery – Up to $1,000,000
  • Hired & Non-Owned Auto – $1,000,000
  • Blanket Additional Insured – All the way up to as many as necessary
  • Additional Insured Landlord
  • Additional Insured Equipment
  • Scheduled Waiver of Subrogation
  • Scheduled Additional Insured
  • Electronic Data – Up to $200,000
  • Increased Limits
  • Prior Acts Coverage

Accepted Operations:

  • Private Investigations – (Asset Location, Background Checks, Certified Polygraph, Corporate Investigations, Domestic Investigation, Electronic Countermeasures, Employment Investigation, Forensic Investigation, Insurance Claims, Insurance Loss Control, Work Comp Claims, Legal Investigations, Record Research, Surveillance, Witness Interviews)
  • Claims Adjuster (Draft authority $25,000 or less)
  • Training Courses (must be state approved and insured must have a hold harmless agreement in place)
  • Process Servers (Eviction Posting accepted)
  • Up to 20% security operations (see TAG 3 cheat sheet for okay/prohibited operations)
  • Subcontractor Cost okay (must include subcontractor agreement & hold harmless)

Prohibited Operations:

  • Over 20% security operations
  • Any prohibited security operations – (see TAG 3 cheat sheet)
  • Alarm Install
  • Collection or Repossession
  • Bounty Hunting
  • School Crossing Guard
  • Title abstract

Additional Request/Facts:

  • Minimum of 3 years’ experience relating to private investigation/process server operations
  • Loss runs required on all new business
    • Any claims will require claim statement from insured
  • Backdating over 5 business days will need to be one off discussions
  • This program is rated on payroll (We cap payroll)
    • Owners at $20,000 each
    • Employees at $32,000 each
  • We do not charge for clerical employees – please double check clerical employees are not doing any document investigation and are true clerical employees.
  • Minimum Premium $600 for Investigation & $650 for Process Service

Exclusion Reads as:
Security or Guard work during operation hours in Taverns and/or Restaurants; Armed Retail Operations occurring during business hours; Repossession and Collection Agencies other than location of assets; Bail Bondsmen; Bounty Hunters, Bail Enforcement Operations; Bouncers, Executive Protection for Celebrities, Entertainers, Dignitaries, or Athletes.

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