Brownyard Programs, Ltd.
Contact Us
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Brownyard Programs, Ltd.
Contact Us
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Investigators

Investigator’s Liability

The Investigators' Liability program is specifically designed for high-quality, professional Private Investigation firms who don’t qualify for our NCISS Plan, because:

  • They are not members of NCISS; OR
  • They have more than 10 employees; OR
  • They are doing work that doesn’t qualify for coverage under the NCISS Plan.

Broad, occurrence-form coverage is provided, on the best General/Professional Liability Policy on the market today.

Coverage

  • Occurrence Form – Covers events that occur within the policy period, regardless of when the Claim is Filed!
  • General Liability – Basic premises/operations coverage
  • Professional Liability – Errors & Omissions coverage, including financial loss
  • Assault & Battery
  • Personal Injury – False arrest, libel & slander, invasion of privacy
  • Vicarious Liability – for all intentional/criminal acts of employees for which the
    insured is held legally liable
  • Contractual Liability – Coverage for liability assumed under contract
  • Blanket Additional Insured – Blanket coverage for all clients that require Additional Insured status in their contracts
  • Independent Contractors – Covers the Named Insured’s liability, for acts of an Independent Contractor
  • Accidental Death Benefit – $25,000 per employee, in the event the employee dies while performing his/her job

Limits

  • $1,000,000 per occurrence & $2,000,000 aggregate
  • Higher limits are available

Deductible

  • $2,500 per claim

Premium

  • Premiums are based on prior revenues, with no Audits

Insurance Company

Lexington Insurance Company, which is rated A ("Excellent") Class XV ("$2 Billion or greater") by A.M. Best Company, Inc.



U.S. States Available

  • U.S. States Available:
  • Provider Type:
    Program Administrator
  • Admitted:
    No States
  • Carriers:
  • Carrier Ratings:
    A XV rated by A.M. Best
  • Commission:
    Liability: 10% / Umbrella: 8%
  • Min Premium:
    $2,500

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LOCATION

There are no locations attached to this storefront.

APPLICATIONS

  • Applications

    Complete appropriate application and e-mail to Helen Henner at: info@brownyardprograms.com or FAX to: 631-581-9385.

    WHAT WE NEED:

    1. OUR OWN APP Coverage includes Professional Liability coverage, so our own app is required and must be signed by the insured. The app does become part of the policy file.
    2. LOSS RUNS 5 years of experience. Currently valued.
    3. FINANCIAL INFORMATION (Because our program is Not Auditable!)
  • Investigators

AGENCY LICENSING

If coverage is bound: Need copy of Agent's License and Copy of Agent's E&O Coverage.
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