Insurance Program Highlights
For licensing purposes, state regulating bodies categorize polygraph examiners under private investigators and detectives.
Investigative services covered by our program include specializing in a specific service like polygraph examinations or other services such as…
- Process Server
- Background Screening
- Skip Tracing
- Surveillance
- Detective/Security Instruction
- “Expert Witness” Testimony
- Consulting
Our specialty insurance program offers polygraph examiners the following:
- General Liability (occurrence basis)
- Professional Liability (occurrence basis)
- Products/Completed Operations
- Property Entrusted
- Employment Practices Liability
- Property
- Crime
- Inland Marine
- Auto
- Umbrella
- Bonds
Liability Coverage may include:
- Limits up to $1 million per occurrence/$3 million aggregate)
- Professional Liability
- Premises and Completed Operations
- Employees as Additional Insureds
- Employment Practices Liability (claims-made coverage)
- Fire Legal Liability – $100,000 (higher limits available)
- Medical Expenses – $5,000
- Personal and Advertising Injury
- Newly acquired organization – 90 days
- Employee benefits (claims-made coverage)
- Property Entrustment – $100,000 or $250,000 ($1,000 deductible)
- Key Employee Replacement Expense Coverage – $100,000
Other Insurance Options and Coverage may include:
- Umbrella – limits up to $10,000,000
- Electronic media and business interruption coverage
- Crime – Employee Dishonesty
- Mobile Equipment
- Equipment and Tool Floaters
- Auto (not available in Michigan)
Bonds:
- License and permit bonds
- Business service bonds
- ERISA bonds
Property Coverage may include:
- Building Coverage
- Contents Coverage
- Business Income (with extra expense and 0 hour waiting)
- Equipment Breakdown on Building and Contents
- Mine Subsidence (available fro specific counties in IL and IN)
- Earthquake
- Utility Service – direct damage
- Utility Service – time element
Note: All coverages may not be available in all states.