Professional indemnity

In case a client loses money because of your advice, services or designs.

What’s typically covered by private investigator professional indemnity insurance?

Claims against your business for:

• professional negligence or a loss-causing breach of contract
• advice which turns out to be incorrect
• mistakes in your work that cost you (or others) money to fix

For example :

• a client alleges that you gave them poor advice, leading to costly legal dispute
• someone sues your client for defamation following something your business said about them
• you lose important documents, meaning your client misses a tax deadline and gets a fine

Read more about professional indemnity insurance

Public liability insurance

In case your business and products cause an injury or property damage.

What’s typically covered by public liability insurance for a private investigator?

Claims against your business for:

• injuring someone else while you’re working, or afterwards as a result of your work
• damaging someone else’s property while working, or afterwards because of your work
• injury or damage caused by your employee (remember, if you employ people, you must have employers’ liability insurance – it’s a legal requirement)

For example:

• someone trips over a bag on the floor in your premises, causing them to break their ankle
• you accidentally knock a client’s laptop onto a hard concrete floor, damaging it beyond repair
• your employee smashes a TV while working in a client’s house

**If you do employ anyone, you’re usually required by law to have employers’ liability insurance too.**

Read more about public liability insurance

Employers’ liability insurance

In case anyone gets ill or injured while working for your business

What’s typically covered by employers’ liability insurance?

Claims against your business for:

• injuries to staff (including casual labourers and contractors) that are caused as a result of your business
• illness suffered by an employee (including temps and casual workers) caused by working for you

**Employers’ liability insurance is required by law if you have people working for you. Without it, you could be fined up to £2,500 a day for each employee.**

For example:

• your office manager breaks their finger while trying to close a faulty window at your business premises
• your receptionist trips over a cable running across the floor of your office, breaking their ankle
• a temp worker scratches their arm on one of your tools, and the injury becomes infected

Contents insurance

In case something happens to your fixtures, fittings, or operational equipment.

What’s typically covered by business equipment insurance?

Claims against your business for:

For example:

• a vintage glass cabinet is badly damaged following a break-in at your premises
• a leaking radiator damages some office furniture, which needs replacing or restoring
• the camera you use to take photographs of stock is stolen from your office

Read more about business equipment insurance

Business legal insurance

In case you’re hit with legal expenses connected to your business.

What’s typically covered by business legal insurance?

Claims against your business for:

• unpaid invoices
• contracts for the purchase, hire, sale, or provision of goods or services provided to you
• an alleged breach of statutory rights with an employee

For example:

• you need to recover debt after a client refused to pay their invoice, caused by a contractual dispute
• you’re facing legal costs as a client is disputing whether you met your contractual obligations with your hire agreement

Read more about business legal insurance

Excess insurance

In case you need to make a claim on your insurance policy.

What’s typically covered by excess insurance?

Claims made by you for:

• when you make a claim on a cover included in your [TRADE] insurance policy, you won’t need to pay excess

For example :

• after a heavy storm you need to make a claim on your building cover – you don’t have to pay the £250 excess thanks to your excess insurance
• a leak in the bathroom causes a guest to slip and injure themselves and thanks to excess cover, there’s no excess to pay on the claim
• a tenant’s suitcase scratches the wooden flooring in your hallway – you won’t have to pay any excess on your accidental damage claim