July 30th, 2014

Private Investigator/PI, Forensic Investigator, & Detective - Liability Insurance Coverage

private investigator liability insurance detective liability e&o forensic investigator risk liability risk coverage

Private Investigators, Detectives, and Forensic Investigators, often referred to as a “PI”, use many methods to determine the facts in a variety of matters. To carry out investigations, they may use various types of surveillance or searches. To verify facts, such as an individual's place of employment or income, they may make phone calls or visit a subject's workplace. In other cases, especially those involving missing persons and background checks, investigators often interview people to gather as much information as possible about an individual. In all cases, private investigators, detectives, and forensic investigators assist attorneys, insurance companies, businesses, and the public with legal, financial, and personal problems.


This liability risk protection program is designed for:


Private Investigators, Detectives, and Forensic Investigators offer many services, including corporate executive protection, pre-employment verification, and individual background profiles. They investigate computer crimes, such as identity theft, harassing e-mails, and illegal downloading of copyrighted material. They also provide assistance in civil liability and personal injury cases, insurance claims and fraud, child custody and protection cases, missing persons cases, and premarital screening. They are sometimes hired to investigate individuals to prove or disprove infidelity.

Most investigators/detectives are trained to perform physical surveillance. They may observe a site, such as the home of a subject/claimant, from an inconspicuous location or a vehicle. They continue the surveillance, often using still and video cameras, binoculars, and a cell phone, until the desired evidence is obtained. This watching and waiting often continues for a long time.

Investigators/detectives also may perform computer database searches or work with someone who does. Computers quickly allow investigators to obtain massive amounts of information on individuals' prior arrests, convictions, and civil legal judgments, telephone numbers, motor vehicle registrations, association and club memberships, and other matters.

All of these types of activities are like walking a tightrope. One slip can have serious and lasting repercussions. We understand your business and have the experience that translates into providing liability coverage commensurate with your degree of risk.

We normally will issue a quotation within 24 hours. Retail brokers can submit an application for our consideration. Since we are a Surplus Lines Broker, we can also save you money because we deal directly with the insurance company on your behalf.


  • Commercial General Liability
  • Liability Limits $1,000,000 each Occurrence and $2,000,000 General Aggregate
  • Products/Completed Operations
  • Personal Injury, Advertising Injury
  • Fire Damage Legal Liability
  • Employees As Additional Insured
  • Independent Contractors Limitation of Coverage
  • Assault and Battery
  • Errors and Omissions including Limited Financial Matters
  • NEW: Misc. Property - $10,000 Property covered with $1000 Deductible @ no charge
  • Care, Custody and Control Exclusion Deleted with Sub-Limit of $100,000
  • Property Damage Theft Extension (Excluding Employee Dishonesty) with Sub-Limit of $250,000 and Sub-Deductible of $1,000
  • Premises Liability
  • Medical Payments
  • Lost Key Coverage with Sub-Limit of $2,500 and Sub-Deductible of $250
  • Coverage for New Businesses and Established Businesses
  • Coverage for any size, from One-Person Operation to National Account
  • Non-Owned/Hired Auto Liability Coverage (Maximum Liability Limits $1,000,000 per Occurrence; Employees must carry $100,000 Liability Limits on Personal Auto)
  • Primary Wording Endorsement
  • Waiver of Subrogation Endorsement
  • Excess to $2,000,000/$3,000,000; $3,000,000/$4,000,000; $4,000,000/$5,000,000; $5,000,000/$5,000,000
  • Misc. Property Coverage $50,000 or $100,000 - $500 Deductible
  • Workers’ Compensation (except Alaska and Hawaii)
  • Commercial Auto
  • Property Insurance
  • Inland Marine
AMIS PI Brochure

Click on the image of the brochure to view it. You can save the brochure on your computer by clicking on the disk icon once you have opened it in the Adobe Reader.


California Association of Licensed Investigators

AMIS/Alliance Marketing & Insurance Services is proud to partner with CALI as the insurance broker for their membership. We are pleased to offer a discount in the form of a reduced premium to all CALI private investigators. This is an Individual Policy and not a Master Policy. This policy was first put together by Bill West 22 years ago and it has only been underwritten by two insurance companies in all that time. The first 10 years it was placed with Scottsdale Insurance, and the last 12 years it has been underwritten by First Mercury Insurance Company, which is now owned by Crum & Forster. The coverage for this policy can only be written through AMIS/Alliance Marketing & Insurance Services. The coverage is as follows:

  • Commercial General - Written on Occurrence Forms
  • Liability Limits $1,000,000 each occurrence and $5,000,000 General Aggregate
  • Products/Completed Operations
  • Personal Injury, Advertising Injury
  • Fire Damage Legal Liability
  • Premise Liability & Medical Payments
  • Errors & Omissions
  • Blanket Additional Insured's
  • Sexual Abuse & Molestation $100,000
  • Misc. Property (property in transit) $10,000
  • Care, Custody & Control $100,000
  • Extended Property Damage $250,000
  • Lost Key coverage $2,500
  • Firearms coverage is not excluded
  • Assault & Battery is not excluded
  • Electronic Equipment, Internet & Computer is not excluded

To get an AMIS online Quick Quote Application, CLICK HERE

Texas Association of Licensed Investigators

The Texas Association of Licensed Investigators, Inc. ("TALI") is a Texas non-profit corporation and association for licensed professional investigators. Founded in 1971, TALI is steeped in history and continues to be the pace-setter for the private investigation industry. With more than 600 members, TALI is dedicated to raising professionalism in the field of private investigations through continuing education, public awareness, advanced certification, networking and legislative involvement.

Our members are proud to cover the 254 counties and 261,797 square miles that make up the great State of Texas.

AMIS/Alliance Marketing & Insurance Services is proud to partner with TALI as the official insurance broker for their membership. We are pleased to offer a discount in the form of a reduced premium to all TALI private investigators. This is an Individual Policy and not a Master Policy. This policy was first put together by Bill West 22 years ago and it has only been underwritten by two insurance companies in all that time. The first 10 years it was placed with Scottsdale Insurance, and the last 12 years it has been underwritten by First Mercury Insurance Company, which is now owned by Crum & Forster. The coverage for this policy can only be written through AMIS/Alliance Marketing & Insurance Services. The coverage is as follows:

  • Commercial General - Written on Occurrence Forms
  • Liability Limits $1,000,000 each occurrence and $5,000,000 General Aggregate
  • Products/Completed Operations
  • Personal Injury, Advertising Injury
  • Fire Damage Legal Liability
  • Premise Liability & Medical Payments
  • Errors & Omissions
  • Blanket Additional Insured's
  • Sexual Abuse & Molestation $100,000
  • Misc. Property (property in transit) $10,000
  • Care, Custody & Control $100,000
  • Extended Property Damage $250,000
  • Lost Key coverage $2,500
  • Firearms coverage is not excluded
  • Assault & Battery is not excluded
  • Electronic Equipment, Internet & Computer is not excluded

To get an AMIS online Quick Quote Application, CLICK HERE

We normally will issue a quote within 24 hours.
Retail brokers can submit an application for our consideration.

Application Information - Request a Quote

For many of our coverages you can quickly request a quote using our online quick-quote forms. At the bottom of each quick quote form you can indicate the urgency of your request. If you have any questions, please call or email the person indicated in the contact area for this coverage.

NOTE: All applications must be underwritten and a quotation will be issued subject to underwriting guidelines. THE QUOTE DOES NOT BIND COVERAGE.

General Liability E&O Application Form - Quick Quote or PDF

Preferred Method  
Secure Online Quick-Quote ApplicationorPDF Application Form
Available within 24 hours if requested Complete and fax to our office

Requirements to receive coverage: (Not required for Quick Quotes)

- Along with the full application, please fax us the Terrorism Form.

Additional requirements for Agents and Brokers:
  • A signed broker agreement,
  • a copy of your broker/insurance license, and
  • a copy of the declaration page of your E & O Insurance policy
 

Bond Application Form - Quick Quote or PDF

Preferred Method  
Secure Online Quick-Quote ApplicationorPDF Application Form
Complete online for a faster response Complete and fax to our office
 

Commercial Auto Application Form - Quick Quote or PDF

Preferred Method  
Secure Online Quick-Quote ApplicationorPDF Application Form
Complete online for a faster response Complete and fax to our office
 

Workers’ Comp Application Form - Quick Quote


To receive a Workers’ Comp quick indication quote, please fill out our online quick quote indication form.

To fully apply for workers’ compensation insurance, please complete Acord 125 and Acord 130 (workers' compensation section), and submit them along with current value loss runs to Karen Metcalf or Sean Nowell.

Additional Available Coverages:

Business Personal Property Application Form - PDF Form

Inland Marine Coverage - Contact our office for application.   Email Us

Online Quick Quote FormsPDF Application Forms
You will need to provide an email address with the Online Quick Quote form. If you do not use email, please use the PDF application form instead.
  • Complete the Online Form
  • Indicate the urgency of your request at the bottom of the form.
  • Click the "Submit" button to send us your request.
To protect your privacy, please DO NOT EMAIL PDF application forms to us.
  • Complete the PDF application forms on your computer.
  • Print the applications
  • Sign the applications
  • Fax the completed form and any other materials to: (760) 471-9378 or (800) 573-8550.

Contact Us

Your AMIS representative is Michelle Nowell. Please call her at
(800) 843-8550 or (760) 471-7116, or email us using the links below.

For all Investigator applications:

Contact: Michelle Nowell

For Commercial Auto, Bond, and Worker’s Comp applications:

Contact: Karen Metcalf

Our Experience Benefits You

AMIS President and Founder Bill West began his career in the insurance industry in 1965, and shortly thereafter he started a Private Investigation, Insurance Adjusting, and Third Party Administration business. In 1990 he assembled a professional liability package for specifically for Private Investigation companies. Since that time AMIS has formed and developed excellent working relationships with our insurance providers, and that allows us to provide stable, quality, and affordable insurance coverage to meet your specific need.

Request a Quote

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Go to the Application Center

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