Investigators

Ideal Accounts and Appetite

• Private investigation firms with more than 10 employees
• Firms not affiliated with the NCISS
• Investigators involved in complex or high-exposure work not eligible under standard PI programs

You might have a client who specializes in corporate investigations, surveillance, or background checks involving high-net-worth individuals—this program is built to handle those needs.

Coverage Highlights

The Investigators' Liability program provides broad, occurrence-form coverage under a top-tier General and Professional Liability policy. Key coverages include:

• Occurrence Form – Covers incidents during the policy period, regardless of when the claim is filed
• General Liability – Basic premises and operations coverage
• Professional Liability – Errors & Omissions including financial loss
• Assault & Battery – Protects against physical altercation claims
• Personal Injury – Includes false arrest, libel, slander, and invasion of privacy
• Vicarious Liability – Covers acts of employees for which the insured is legally liable
• Contractual Liability – For obligations assumed under contract
• Blanket Additional Insured – Automatically includes clients as required by contract
• Independent Contractors – Covers the named insured’s liability for contractors’ actions
• Accidental Death Benefit – $25,000 per employee if death occurs in the line of duty

Limits, Deductibles, and Premium Structure

• Standard Limits: $1,000,000 per occurrence / $2,000,000 aggregate
• Higher limits may be available based on underwriting
• Deductible: $2,500 per claim
• Premiums are based on prior revenues, with no audit required
• Minimum premium: $2,500

Carrier and Program Backing

This program is written through Lexington Insurance Company, an A.M. Best-rated A ("Excellent") Class XV ($2 Billion or greater) company. Coverage is offered on a non-admitted basis in all available states.

Territories and Availability

The Investigators' Liability program is available in most U.S. states, including but not limited to CA, FL, NY, TX, IL, and WA. Coverage is offered on a non-admitted basis and is not limited to any single region, making it accessible for multi-state firms and growing investigative businesses.

Why Work With Brownyard Programs, Ltd.?

With decades of experience in niche liability programs, Brownyard Programs, Ltd. brings deep expertise and tailored solutions to the investigative services sector. As a program administrator with a focus on quality underwriting and responsive service, Brownyard is an ideal partner for agents looking to place complex or non-standard private investigator accounts.

Frequently Asked Questions

Need help placing an account? Connect with a market specialist.