Private Investigators Professional Indemnity Insurance
As a Private Investigator you won’t need us to tell you that you need to have adequate Professional Indemnity Insurance in place. We can provide that insurance to you quickly, easily and very competitively.
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Private Investigators Policy Highlights
- Competitive premiums
- Worldwide cover (exc. USA/Canada)
- Flexible limits of indemnity from £100,000 upwards
- Costs & expenses covered additional to the indemnity limit
What Does Private Investigator Professional Indemnity Insurance Cover?
Real fears about private investigators ‘operating in the shadows’ and invading privacy have helped fuel new regulatory and data protection laws. This puts Private Investigators under more scrutiny than ever.
Professional Indemnity insurance doesn’t cover anything illegal of course. However it does cover errors and negligent acts, including defamation, breach of confidentiality and loss of documents or data.
If someone says you’ve done something wrong and makes a claim against you, your professional indemnity insurance is there to fight your corner. It pays for a legal expert to defend you and also covers any compensation you’re liable for.
Another element to note is the ABI (Association of British Investigators), which works to raise standards in what is still an unregulated industry. They stipulate its members must ‘hold adequate professional indemnity insurance’. It sees it as a necessary mark of their professionalism.
Ways To Avoid A Professional Indemnity Claim
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Draw up a contract that spells out your terms of work and payment plus any complaints procedures. That way, you can deal with problems between you and your client quickly (and preferably out of court). Remember to include a section detailing your client's reasons for the investigation. Also, what they intend to do with the information you give them – this reduces your liability in case of later disputes.
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If you're head of a surveillance company, you need to check all your staff are licensed, including employees, employers, managers, supervisors, directors and partners, and any other PI firms you work with. The maximum penalty for failing to do this is a fine of up to £5,000 and six months in prison.
- If you find yourself straying into unknown legal territory, or in need of a recap on specific areas of law, professional bodies like the Institute of Professional Investigators and the Association of British Investigators offer plenty of courses to warn you of the pitfalls.
Private Investigators Professional Indemnity Proposal Form
We understand that your requirements may not be as simple as the questions asked on our online quote and buy system, therefore we ask that you complete our proposal form and send a completed copy to [email protected]. A member of our team will be in touch with you shortly.