NEXT is now ERGO NEXT Insurance, uniting digital-first innovation with Munich Re's global financial strength.

Private Detective Insurance

You can save up to 25% in discounts on business insurance.*

Choose your primary coverage to get started:

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Private detective insurance designed to protect your business

ERGO Next Insurance is a one-stop shop to help you get the private detective insurance you need to protect your business from accidents, injuries, legal fees and damaged vehicles. Our insurance packages typically include:

  • General liability
  • Professional liability
  • Commercial auto
  • Commercial property

Private detective insurance designed to protect your private investigation business

It’s all about managing your risk. See the different policies available for private detectives and save up to 10% when you bundle two or more of our policies.

General Liability

General Liability

Protection for the injuries, accidents and damage you cause

General liability insurance provides financial protection if an accident happens at your private investigation business, such as a customer injury or damages to someone’s property. It also provides coverage if you have to defend an accusation of libel or slander.

general liability can help you pay for:

Medical payments
Property damage
Legal fees and judgments
Professional Liability

Professional Liability

Coverage against business mistakes and claims of negligence

Professional liability insurance protects your private detective business against civil lawsuits and negligence claims related to professional mistakes, whether you actually made them or a client just thinks you did. It can help to cover the cost of defending yourself or reimbursing a client.

professional liability can help you pay for:

Legal defense costs
Legal judgments
Commercial Auto

Commercial Auto

For business owners who own or drive vehicles

Commercial auto insurance helps to protect your private investigation agency from unexpected expenses if you or your employees are involved in a driving-related accident. Whether you have a single work truck or a small fleet of delivery vehicles, a commercial car insurance policy helps to keep you on the road.

commercial auto can help you pay for:

Medical expenses
Collision repairs
Rental reimbursement
Commercial Property

Commercial Property

For business owners who own or rent physical spaces

Commercial property insurance helps to protect the items you need to run your private investigation business, including your inventory, equipment, furniture, fixtures and even the space that you lease or property that you own. If a fire damages a wall at your store and you have to close for six weeks during repairs, you'll be glad you have commercial property.

commercial property can help you pay for:

Damaged equipment and inventory
Lost income
Operating expenses

You can save up to 25% in discounts on private detective insurance

You can pay for your insurance monthly or annually and you can cancel instantly at any time.

Basic
Lowest Price
Commercial Auto
Combined single limit
$85,000
General Liability
Per occurrence
$500,000
Professional Liability (E&O)
Per occurrence
$250,000
Commercial Property
Per occurrence
$25,000
Pro
Most Popular
Commercial Auto
Combined single limit
$100,000
General Liability
Per occurrence
$1 million
Professional Liability (E&O)
Per occurrence
$1 million
Commercial Property
Per occurrence
$25,000
Pro Plus
Best Coverage
Commercial Auto
Combined single limit
$1 million
General Liability
Per occurrence
$1 million
Professional Liability (E&O)
Per occurrence
$1 million
Commercial Property
Per occurrence
$25,000

Frequently asked questions about business insurance

Here are some of the most common questions we get about private detective insurance. If you don’t find the answers you need here, our licensed, U.S.-based insurance advisors are standing by to help via online chat or phone.

How can I get a certificate of insurance (COI)?

Once you have an ERGO NEXT policy, you’ll have instant access to your certificate of insurance 24/7 via web or app. Log in to your account and download your COI, or have it delivered via email or text at no additional cost. Get unlimited certificates and add an additional insured as you need them. Make changes to your coverage and your COI updates automatically.

What do I need to get an insurance quote online?

It takes about 10 minutes to get a business insurance quote online with ERGO NEXT. We’ll ask a few questions about your business — like what you do, your location, how many people you employ and the vehicles you use for work. You’ll choose your options and see prices. If you like what you see, you can buy online and get a certificate of insurance (proof of insurance) on the spot.

How do you file an insurance claim with ERGO NEXT?

If you’re a policyholder, simply log in to your account and file a claim. We will contact you shortly after you submit to go over the details. Our support team is standing by to help.
Next Insurance, small business insurance

Coverage on-the-go for policyholders

Manage your policies, send and create certificates of insurance, or file a claim with our app.

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More professions that are covered by ERGO NEXT