Forensic Investigator Insurance Coverage Checklist
The coverages a forensic investigator business may carry — core, prevalent, and situational — why each matters, and the gap most often missed.
Pull out your current policy and check the box next to any coverage you can confirm is already in place — anything unchecked is worth a quick conversation with your advisor. Coverage checklist for forensic accounting, fire, engineering, and digital forensic firms. Priorities reflect typical exposure for this class; confirm against your actual services, contracts, and clients.
Tick each coverage you can confirm you carry — anything left unticked is a good question for your next policy review.
| Have it? | Coverage | Why this business needs it | Priority |
|---|---|---|---|
| Professional Liability / E&O (Forensic Services) | Covers flawed findings and missed causes. | Core | |
| Care, Custody & Control (Bailee) | Covers evidence and devices held in your storage. | Core | |
| General Liability | Covers injury or damage at fire, accident, and inspection scenes. | Core | |
| Cyber Liability | Covers imaged drives holding third-party personal data. | Core | |
| Workers' Compensation | Covers staff working hazardous scenes. | Core | |
| Commercial Auto | Covers scene vehicles and evidence transport. | Prevalent | |
| Inland Marine / Equipment Floater | Covers forensic tools and imaging hardware. | Prevalent | |
| Umbrella / Excess Liability | Adds limits over large subrogation-related claims. | Prevalent | |
| Contractor's Pollution Liability | Covers disturbing fire debris and asbestos. | Situational | |
| Licensing / Regulatory Defense | Covers unlicensed-investigator enforcement. | Situational |
The coverage gap most often missed
The gap most often missed by forensic firms is evidence in their custody. General liability usually excludes property in your care, custody, or control, and E&O may not respond either, so a lost or contaminated item goes uninsured — and Nautilus shows a lost scene can end a whole claim. Add bailee coverage, and confirm E&O doesn't exclude work that requires a PI license.
Send us the checklist and we'll review your forensic investigator coverage line by line, then market it across multiple carriers that compete for your account.
Related: Forensic Investigator Insurance · Forensic Investigator Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a forensic investigator business need?
The core coverages for a forensic investigator business are Professional Liability / E&O (Forensic Services), Care, Custody & Control (Bailee), General Liability, Cyber Liability, Workers' Compensation. This checklist also lists the prevalent and situational coverages worth considering, with a plain-English note on why each matters.
Is this checklist insurance advice?
No. It is a free educational tool to help you have a more informed conversation with a licensed professional. It affords no coverage and is not insurance, legal, or financial advice — only your actual policy language governs what is and isn't covered.
Can Cory Washington & Co. review my forensic investigator coverage?
Yes. Share your checklist and we'll review your program line by line, market your account across multiple carriers, and explain the trade-offs in plain English. Cory Washington & Co. LLC is licensed in all 50 states.
This checklist is a free educational tool from Cory Washington & Co. to help you review your own coverage and have a more informed conversation with a licensed insurance professional. It is general information only — not insurance, legal, or financial advice, and not a recommendation to buy, change, or cancel any policy. Coverage terms, availability, limits, and requirements vary by policy, carrier, and state, and only the language in your actual policy governs what is and isn’t covered. Checking or leaving blank any item above does not indicate that you are adequately insured or under-insured. Using this checklist does not create a client, agency, or fiduciary relationship. Always consult a licensed professional about your specific situation.