Choose the Best Private Investigator Insurance
Get Up To $5M In Coverage E&O And General Liability $50k Board Complaint Protection
Private Investigator Insurance Cost Depends on Your Coverage Needs, but OREP Keeps it Affordable
Why People Choose OREP as a Private Detective Insurance Provider
With over 23 years of experience, OREP has built a reputation for protecting private investigators with reliable coverage at competitive rates. Our policies are designed specifically for your line of work, so you’re not stuck paying for extras you don’t need or missing coverage where it matters. 888-528-5475
But what really sets us apart is the support and value that comes with every policy.
As a member, you’ll benefit from:
- High coverage limits, up to $5 million per claim and aggregate
- E&O and General Liability in one plan, streamlined protection for both professional mistakes and on-the-job risks
- $50,000 in board complaint defense, so you’re not facing regulatory complaints alone
- 15 hours of free continuing education, approved in most states, helping you stay compliant without extra cost
With OREP, you get more than insurance. You get protection, education, and peace of mind from a team that understands the risks of investigative work.
On top of that, OREP members enjoy benefits like free continuing education, Working PI magazine, and expert risk management support. It’s the mix of fair pricing, tailored protection, and real support that makes us a trusted choice for private detective insurance.
Why Consider Private Investigator Insurance
Private investigators face unique risks every day, from liability claims to regulatory complaints. Without the right protection, a single case could put your reputation and business on the line.
Private investigator insurance gives you a safety net, covering legal defense, damages, and board complaints that can quickly become costly. With OREP, you also get high coverage limits, board complaint protection, and support designed specifically for investigators. That means you can focus on your work while we safeguard your business.
What the Private Detective Insurance Plan Covers
With OREP’s private investigator insurance, you get more than just basic protection. Here’s a quick look at what’s included in the plan:
E&O + General Liability
You’re covered if you make an error in your work or if a client claims bodily injury or property damage during your investigation.
High Coverage Limits
Up to $5,000,000 per claim and $5,000,000 aggregate, with higher limits available for firms that need extra protection.
Personal Injury Coverage
Covers more than physical harm, including privacy violations, slander, libel, false arrest, and other risks unique to investigators.
Board Complaint Defense
Coverage up to $50,000 for regulatory or state board complaints, so you’re never facing them alone.
Business Property Protection
$25,000 of coverage for office equipment, computers, and other business property.
Security & Contractor Coverage
Protection for security consulting and executive protection, plus coverage for independent contractors at no additional cost.
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FAQs
How quickly can I get coverage once I apply?
Most applicants receive same-day coverage after completing the online application, so you don’t have to wait to start working with peace of mind.
Do I need insurance if I work as an independent PI?
Yes. Even if you’re self-employed, you’re still exposed to claims like invasion of privacy or accidental property damage. Insurance protects your business and reputation.
Are continuing education benefits included?
Yes. OREP members receive 15 hours of approved CE courses at no extra cost, along with access to Working PI Magazine and professional resources.
What happens if I face a lawsuit or claim?
If you’re sued, OREP policies provide legal defense and financial protection up to your policy limits, so you’re not handling expensive claims out of pocket.
Areas We Serve
- California
- Florida
- New York
- Missouri
- Virginia
- Washington
- Michigan
- Oklahoma
- Ohio
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