Insurance for investigators
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Rated 4.7/5
Based on 39,717 reviews
Claims paid in 24 hours
For 80% of settled claims
Insurance for investigators – why is it important?
Investigators work with a wide range of people, which means it's important to think about insurance that can cover the risks you face. If a claim came up, would you have the funds ready to cover it? Fortunately we provide tailored cover to protect your business should the worst happen.
- compare cover from expert UK brands and protect your business
- rated 4.7/5 based on 39K+ public liability customer reviews
- optional personal accident cover for your own injuries, or anyone on the policy
What does Insurance investigators cover?
As an investigator, you’ll need to consider professional indemnity insurance. This covers you in case you’ve made a mistake in your work or provided a service that didn’t meet the required standards. You can then tailor your policy to cover different risks your business faces.
Professional indemnity
In case a client loses money because of your advice, services or designs.
Public liability insurance
In case your business and products cause an injury or property damage.
Employers’ liability insurance
In case anyone gets ill or injured while working for your business
Contents insurance
In case something happens to your fixtures, fittings, or operational equipment.
Business legal insurance
In case you’re hit with legal expenses connected to your Insurance investigator business.
Excess insurance
In case you need to make a claim on your insurance policy.
Professional indemnity
In case a client loses money because of your advice, services or designs.
What’s typically covered by insurance investigators professional indemnity insurance?
Claims against your business for:
- financial losses and costs related to your professional advice
- problems in the work that you do, which need further expense to solve
- negligence and other oversights that cause losses for a client
For example :
- your business is held responsible for a loss-causing data breach
- a previous client sues for delays in your contracted services, preventing them from taking on a new brief
- you advise a client on how to introduce a product – they blame you when sales are low
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 insurance investigators?
Claims against your business for:
- damage to someone else’s property while you’re working, or because of your work
- injury to someone as a result of your work
- accidental injuries caused by your employees at work
For example:
- you’re with a client and you accidentally spill coffee onto their designer handbag, causing a permanent stain
- your client trips over your laptop charger cable while you’re setting up for an appointment, breaking their wrist
- <span style='font-size: undefined;'>your employee damages a neighbouring business’s property while bringing equipment into your premises</span>
**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 contents insurance?
Claims against your business for:
- damage to your contents or business equipment
- destruction or damage caused by theft and vandalism, as well as fire and flood
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 contents insurance
Business legal insurance
In case you’re hit with legal expenses connected to your Insurance investigator business.
What’s typically covered by business legal insurance?
Claims against your business for:
- costs and expenses for legal representation to recover debts or unpaid invoices
- costs and expenses following identity theft
- tax protection if there’s an investigation into your business
For example:
- one of your clients is unhappy with your work and believes you haven’t met the contractual requirements – as a result they’re refusing to pay their outstanding invoice
- your CEO’s contact details are used by a fraudster to set up a new line of credit with a business bank
- HMRC is investigating your recent tax return as they noticed a fluctuation in your business income
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
This content has been created for general information purposes. Make sure you have the right level of business insurance by checking your policy documentation for details. Read our full Terms and Conditions
How much does insurance investigators insurance cost?
Find out how much you’ll pay by comparing prices from a range of trusted insurers. You choose what goes into your policy, so you only pay for what you need.
Prices start from £3.19 per month
Get your quotes in 7 minutes – prices are guaranteed for 30 days.
Get your tailored quotes in 7 minutes
10% of our customers paid up to £38.32 a year for a public liability insurance policy between 1st April 2023 - 30th June 2023. Equivalent to £3.19 per month based on a monthly cost when paying for the policy in one annual payment. Paying monthly is usually more expensive as you'll pay interest. Most customers pay more than this but some pay less.
What kind of excess should I expect?
An excess is an amount you pay towards any claim you make on your insurance. For example, if your excess is £250 and you make a claim worth £1000, your payout will be a maximum of £750.
Insurance cover | Lowest excess | Highest excess |
|---|---|---|
Public liability | No excess | £750 |
Employers' liability | No excess | No excess |
Contents | £200 | £4,000 |
The figures above are for guidance only and any excess applying to your quote may differ. You’ll get a breakdown of the excesses for each quote when you compare with us.
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How do insurance claims work for insurance investigators?
Unlike price comparison websites, we take the hassle out of claims for you. We know how important it is to get your business back on track quickly – and with a minimum of fuss. That’s why you get access to your dedicated claims team any time, day or night. Call them on 0333 207 0560 or claim online. They’ll do their best to be fair and supportive.
£39 million in claims paid out in 2022
Paying 80% of settled claims within 24 hours in 2022
The figure above is rounded across our range of products. Our claims process may vary for different products and operates on a ‘claim by claim’ basis.
Chosen by 900,000 small businesses and landlords
We started out as a team of 5 back in 2005. We’ve grown since then with 900,000 customers across 1,500 trades now trusting us to provide their insurance.
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Rated 4.7/5
Based on 39,717 reviews
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Insurance for investigators FAQs
Whether you’re new to buying business insurance or you’ve been trading for a while, here are the answers to some commonly asked questions about insurance for off licences. You can also check out our business insurance FAQs.
Yes. You may start offering additional services that require you to use different skills or carry out different tasks. If you find yourself in this situation, it’s important to give us a call on 0333 0146 683 to update your policy before you take on this new work.
If you don’t have the correct type of cover in place for the work you do, you may be unable to claim on your policy if something goes wrong.
Each insurer looks at CCJs and IVAs differently – some apply stricter rules than others, but having a CCJ or IVA doesn’t necessarily mean you won’t be able to buy insurance.
You can choose the payment type that suits your business and cash flow best. Some customers prefer to pay in one go, while others prefer to pay a regular monthly amount, like you do with lots of other bills. Simply Business offer three ways to pay for your policy:
- one-off credit or debit card payment
- BACS payment
- Direct Debit
If you choose to pay by Direct Debit, our credit provider, Premium Credit, pays Simply Business the full amount for your policy up front. You then repay Premium Credit in 10 monthly installments.
This will depend on whether you have employers’ liability insurance in place. Public liability insurance is designed to protect your business against the consequences of legal action brought by members of the public for injuries or damage to their belongings. But when it comes to your employees causing injury or damage, this protection only activates if you also have employers’ liability insurance.
If you employ people, you’re required by law to have employers’ liability insurance.
There’s one exception here. Family businesses that aren’t incorporated as a limited company are not legally required to have employers’ liability insurance. The government defines a “family business” as one where all your employees are closely related to you (as a spouse, civil partner, sibling, child, parent, grandparent, grandchild, step-parent, stepchild or half-sibling). So if you run an unincorporated family business and you choose not to get employers’ liability insurance, it’s important to know that your public liability insurance wouldn’t cover you against damage or injury caused by your team.
Make sure you’re covered for the services you provide:
- View all business insurance covers
The types of businesses we insure:
We create this content for general information purposes and it should not be taken as advice. Always check policy documentation for details and seek professional advice. Read our full Terms and Conditions
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