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Cover Me: Is the investigator’s liability insurance coverage sufficient?

In today’s litigious environment, if an investigation goes awry or becomes discovered by the target of a probe, there is a good chance that legal action will follow. Investigators with inadequate insurance coverage could find themselves – and their client – facing the potential of substantial financial loss.

Texas law mandates that an investigations company must carry liability insurance with minimum limits of $100,000 per occurrence for bodily injury and property damage, and $50,000 per occurrence for personal injury, with a minimum total aggregate amount of $200,000 for all occurrences.

These minimum requirements could prove woefully inadequate in the event that something done in the course of an investigation leads to litigation. Therefore, before employing the services of an investigations company, an attorney would be well advised to obtain a Certificate of Liability Insurance to determine if the stated coverage is sufficient for the proposed project.

Should the policy prove to be inadequate, and the investigator is unwilling to rectify the situation, the attorney might be better served to seek services elsewhere. Furthermore, if a law firm and investigations company are engaged in an ongoing, long-term relationship, it would not be unreasonable for the law firm to request being added to the policy as an insured party.

At ResultQuest®, we carry far in excess of the minimum required liability coverage and have worked for many years with the same insurer, enabling us to provide our clients with confidence and flexibility.

Call us at 713/781-9040 when peace of mind matters.