Detective or Investigative Agencies--Private

What Does GL Code 91636 Cover?

ISO GL class code 91636 covers private detective and investigative agencies that provide services such as surveillance, background checks, skip tracing, and corporate investigations. This code classifies businesses engaged in gathering information for legal, personal, or business purposes, excluding security guard services. It focuses on the intellectual and investigative aspects rather than physical security.

Who Uses This Class Code?

This code applies to licensed private investigators, detective agencies, skip tracers, corporate fraud investigators, and surveillance specialists. It also includes firms offering background checks for employment or personal matters, and those conducting due diligence investigations.

Common GL Claims for This Class

Common General Liability claims for private investigators include bodily injury to third parties during surveillance operations, property damage while gaining access to areas, and allegations of false arrest or wrongful entry.

Coverage Tips for Code 91636

• General Liability policies typically exclude professional errors; consider Errors & Omissions (E&O) coverage for claims arising from faulty advice or investigative mistakes.
• Ensure all investigators hold current Florida private investigator licenses issued by the Florida Department of Agriculture and Consumer Services (FDACS) to avoid policy exclusions.
• If utilizing contract investigators, require them to carry their own General Liability and name your agency as an additional insured to prevent coverage gaps.
• Given the sensitive nature of information handled, evaluate Cyber Liability insurance to protect against data breaches and privacy violations.