Private Investigator Workers Comp Insurance
Private investigation companies are always trying to provide a safe work environment for their investigators. Despite all of the precautions a private investigations agency may take against injury, accidents happen and private investigators need to be compensated for any injuries they incur. The fact is that laws differ from state-to-state, and most states have a workers' compensation program in place. Under workers' compensation, an employee is not allowed to sue his employer for on-the-job injuries; rather, the employer is required to participate in a program that provides payments directly to the employee for medical bills and damages because of an injury at work.
Compensation for lost wages while recovering from an injury is part of the coverage. Legal defense costs are covered under most policies. States provide many options for workers' compensation insurance. Some states allow an owner to opt-out of the system if he is already self-insured. In other states, it's acceptable for an owner to use private investigator insurance companies or to use state agencies for coverage.
In addition, it is possible that some states require owners to provide additional insurance above and beyond workers' compensation. That's why smart private detective and investigator companies protect themselves with specialized investigator-focused worker's compensation insurance policies from Central Insurance Agency. Our plans are affordable, effective and are tailored to fit the unique needs of your business. Contact us today!
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