You’re the one people call when something goes wrong.
Security analysts. Fire investigators. Safety inspectors. You assess threats, evaluate risk, and make judgment calls under pressure. When someone questions those calls, you need professional liability coverage that’s as serious as the work you do.
Up to $1M
Professional Liability
772
Job Titles Covered
1 day
To Coverage
772 TITLES COVERED
From the perimeter to the inspection report
Security & Investigations
You made the judgment call. Now someone’s questioning it.
A security assessment missed a vulnerability that led to a break-in. A PI’s report is challenged as inaccurate in court. An executive protection agent is accused of excessive force. Security and investigation professionals make high-stakes decisions with incomplete information — and every one of those decisions carries liability.
Security Consultant
Private Investigator
Bodyguard / EP Agent
Loss Prevention
Surveillance Specialist
Cybersecurity Analyst
Alarm Installer
K-9 Handler
Skip Tracer
Process Server
Bail Bond Agent
Security assessment failures — Professional Liability (E&O) Insurance can address claims when your threat evaluation, recommendations, or system design fails to prevent an incident.
Investigation accuracy challenges — coverage when a report, finding, or surveillance is challenged as inaccurate or defamatory.
Clients and venues require COIs — property managers, event venues, and corporate clients require proof of E&O before contracting.
Emergency & Public Safety
Split-second decisions. Years of liability.
A security consultant’s threat assessment misses a vulnerability, and the client’s loss runs into six figures. A fire investigator’s origin report is challenged in litigation. A disaster recovery plan fails to account for a scenario that actually happens. Emergency professionals make life-and-death calls — and the legal system gives plaintiffs years to second-guess them.
EMT / Paramedic
Fire Investigator
Emergency Manager
Disaster Recovery Planner
Hazmat Technician
Search & Rescue
Crisis Negotiator
Fire Protection Specialist
CPR/First Aid Instructor
Water Rescue Specialist
Wildfire Consultant
Threat and risk assessments — when your professional evaluation of a security risk, safety hazard, or site condition leads to financial loss, this is the type of claim E&O is designed to address.
Training and certification liability — when someone you trained or certified is alleged to have caused a client financial harm, and the claim traces back to your standards or certification process, this is the type of claim E&O is designed to address.
Contract and agency work needs personal coverage — independent and contract professionals aren’t automatically covered by their client’s or agency’s policies. If you work on a contract basis, carrying your own E&O is essential.
Compliance & Inspection
You signed off. Then something failed.
A building inspection misses a code violation, and the new owner gets stuck with the repair bill after the sale closes. A safety consultant’s recommendation didn’t prevent an OSHA citation. A food inspector’s report cleared a facility that later had a contamination event. When your professional stamp says “safe” and something goes wrong, the liability is personal.
Building Inspector
OSHA Consultant
Safety Engineer
Environmental Inspector
Health Inspector
Food Safety Inspector
Code Compliance Officer
ADA Compliance
Elevator Inspector
Mold Inspector
Asbestos Inspector
Lead Paint Inspector
Missed violations and oversights — E&O insurance can address claims when your inspection or sign-off failed to catch a condition that later caused harm.
Recommendations that don’t prevent incidents — coverage when your safety plan, protocol, or advisory fails to avert the outcome it addressed.
Property owners and agencies require E&O — you won’t get contracted for inspection work without proof of professional liability coverage.
What’s Included
30 protections, one price
Every safety and protection professional gets the same comprehensive coverage. No add-ons, no à la carte, no gaps.
We’re showing the protections that matter most in your field, but all 30 are built into every policy. View all 30 coverages explained.
You protect everyone else.
It’s time someone protected you.
772 safety and protection titles covered. 30 protections. Next-day coverage. One flat price. Backed by Lloyd’s of London.