Why do process servers need insurance?
Your job is to serve legal papers to individuals who might not want them, which is why insurance is essential. Business insurance and process server bonds provide financial protection against injuries, property damage, and failure to fulfill your duty.
Find the right coverage
Insureon helps process servers find insurance quotes that match their unique risks.
Get free expert advice and peace of mind knowing you have the right property and liability coverage for your small business.
What types of business insurance do process servers need?
Business owner's policy
A business owner's policy, or BOP, is a cost-effective way for process servers to buy commercial property insurance and general liability coverage together.
- Slip-and-fall accidents
- Customer property damage
- Business property damage
General liability insurance
A general liability policy covers basic third-party risks, such as a person who slips and suffers an injury while being served a subpoena. It's often required for a commercial lease.
- Third-party bodily injuries
- Third-party property damage
- Libel and slander lawsuits
Professional liability insurance
Professional liability coverage helps pay for legal costs if you make a mistake or are accused of negligence. It's sometimes called errors and omissions insurance (E&O).
- Failure to deliver legal documents
- Negligence in legal services
- Work errors and oversights
Workers’ compensation insurance
Most states require workers’ comp for process serving businesses that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.
- Employee medical expenses
- Disability benefits
- Lawsuits over employee injuries
Commercial auto insurance
This policy covers the costs of bodily injuries and property damage in an accident involving a process server's vehicle. Each state sets its own laws for auto liability insurance.
- Medical payments from an auto accident
- Property damage caused by your vehicle
- Vehicle theft and vandalism
Cyber insurance
Cyber liability insurance helps process servers recover from cyberattacks and data breaches. It's recommended for any business that handles court documents or other personal information.
- Data breach notification costs
- Data breach investigations
- Cyber extortion payments
How much does insurance cost for professional service businesses?
A process server who works independently will pay less for insurance than a larger business.
Factors that affect professional services premiums include:
- The services you offer, such as skip tracing or service of process
- Business property and equipment
- Business income
- Types of insurance purchased
- Policy limits and deductibles
How do I get process server insurance?
It's easy to get process server business insurance if you have your company information on hand. Our application will ask for basic facts about your company, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:
- Complete a free online application
- Compare insurance quotes and choose policies
- Pay for your policy and download a certificate
Insureon's licensed agents work with top-rated U.S. providers to find insurance coverage and surety bonds that fit your process serving business, whether you work independently or hire employees.
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