July 16th, 2024

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 investigative 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 – 1996 ISO Occurrence Forms
  • Errors and Omissions Liability Endorsement
  • Sexual Abuse & Molestation
  • Business Personal Property & Property In-Transit Coverage
  • Cyber Liability and Computer Technology Coverage
  • Care, Custody, Control Amendatory Endorsement
  • Real Property Damage Amendatory Endorsement
  • Blanket Additional Insured’s
  • Lost Key Liability Endorsement
  • Firearms Coverage Endorsement
  • Assault and Battery Amendatory Endorsement
  • 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
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 Application or PDF 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 Application or PDF 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 Forms PDF 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 and Bond applications:

Contact: Michelle Nowell

For Commercial Auto and Worker’s Comp applications:

Contact: Sean Nowell

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


Go to the Application Center

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