What type of insurance is required for Texas private investigators?

In Texas, private investigators are required to carry general liability insurance as a part of their licensing requirements. This type of insurance is essential because it protects private investigators against claims of bodily injury, property damage, or personal injury that could arise during the course of their investigative activities. Given the nature of private investigations, where interaction with clients, witnesses, and potentially even subjects can occur, having general liability insurance provides crucial protection against lawsuits that could be filed due to accidents or other issues.

General liability insurance not only covers the cost of legal defense but can also cover potential settlements or judgments made against the investigator. This requirement helps ensure that private investigators can operate their business without the constant fear of financial ruin due to unforeseen claims or incidents.

While other types of insurance, such as workers' compensation, automobile, and property insurance may be beneficial or even necessary in certain situations, they are not mandated specifically for private investigators under Texas law in the same way general liability insurance is.