Process Server Insurance Coverage Checklist
The coverages a process server 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 process servers and process serving agencies, including skip tracing and court filing. Priorities reflect typical exposure for this class; confirm against your actual services, clients, and servers.
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 |
|---|---|---|---|
| Process Server Errors & Omissions | Covers claims over improper or missed service, wrong-address service, and late filing — the core exposure. | Core | |
| Commercial General Liability | Covers bodily injury and property damage claims from servers in the field, including trespass and assault allegations. | Core | |
| License / Surety Bond | Required in many states and cities to hold a process server license. | Core | |
| Hired & Non-Owned Auto | Covers servers driving their own cars to serve papers — personal auto may deny business use. | Core | |
| Workers' Compensation | Required for employee servers; assaults, dog bites, and car accidents are common. | Prevalent | |
| Contractor Server Insurance Requirements | Not a policy you buy — require contract and out-of-state servers to carry their own E&O and GL. | Prevalent | |
| Cyber / Privacy Liability | Covers skip-tracing data, defendant personal information, and case files. | Prevalent | |
| Regulatory / Consumer | Protection Defense Covers defense of licensing actions and consumer suits tied to debt collection service. | Prevalent | |
| Employment Practices Liability | Covers claims by staff, including misclassification of 1099 servers. | Situational | |
| Occupational Accident | Pays benefits to injured independent contractor servers. | Situational | |
| Crime / Fidelity | Covers theft of client funds or filing fees. | Situational | |
| Umbrella / Excess Liability | Adds limits above GL and auto. | Situational |
The coverage gap most often missed
The gap most often missed by process servers is that E&O and GL each cover only half the job. A false or careless affidavit is a professional error that GL won't cover — and sewer service has led to criminal charges and suits against the servers and the law firms that hired them. Field incidents like trespass, assault accusations, and dog bites fall under GL, which E&O excludes, and a server driving their own car may have no business-use coverage. Confirm you carry both E&O and GL, add hired and non-owned auto, and require every contract server to carry their own.
Send us the checklist and we'll review your process server coverage line by line, then market it across multiple carriers that compete for your account.
Related: Process Server Insurance · Process Server Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a process server business need?
The core coverages for a process server business are Process Server Errors & Omissions, Commercial General Liability, License / Surety Bond, Hired & Non-Owned Auto. 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 process server 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.