If a private investigator is working armed and has no employees, what type of insurance do they need?

In the context of a private investigator operating armed and having no employees, the necessity for both a $1 million liability policy and a workers' compensation policy is rooted in the nature of their work and potential risks involved.

Having a $1 million liability policy is essential because it protects the investigator against claims of property damage or bodily injury that could arise in the course of conducting their investigations. Given that private investigators often find themselves in potentially dangerous situations or could unintentionally cause harm while gathering information, this insurance is crucial in safeguarding their financial interests.

On the other hand, even if the private investigator does not have employees, acquiring a workers' compensation policy is advisable. In California, if a private investigator is in a role that involves being armed, even as a sole proprietor, they may still get injured while performing duties. Workers' compensation provides crucial coverage for medical expenses and lost wages due to work-related injuries, protecting the investigator from the financial burdens that might arise from such incidents.

Therefore, this combination of insurance provides comprehensive coverage, addressing both liability and personal injury risks, making it essential for an armed private investigator operating independently.