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 Liabilityno-interest-payment-option
  • 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
  • CCW bond (Concealed Carry Weapon bond)

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.

Areas Served

areas served

Contact

Morency & Associates, Inc.
1194 Long Hollow Pike
Gallatin, TN 37066

615-451-4887          (Office)
877-244-9090          (Toll-Free)
630-240-4299          (Mobile)
615-452-6580          (Fax)
Kevin Morency         (Email)
Rebecca Morency    (Email)

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