If you are a process server looking for the right insurance policy, you may not be certain what to look for in a provider or policy. Understanding a policy as well as the terminology can be complicated, especially as you also try to understand what is best for your business. The following information can further explain the nuances of insurance for process servers.
In today’s business and social climate, it’s imperative that Process Servers and Attorney Services have all the facts, but getting them is not always easy particularly in the face of legislation and litigation that have grown out of greater public focus on the issues of privacy, profiling and civil liberties.
At first glance, it may seem ridiculous that a process server would need to carry insurance. After all, his job is simply to deliver paperwork, right? However, the truth is that a process server may run into any number of scenarios that, without insurance, could leave him on the hook for thousands of dollars in damages. In addition, some states require that process servers carry insurance. Whether or not it is required, insurance is a must-have for any process server.
Before purchasing insurance, it is important to speak with a qualified insurance agent. Making a mistake in your selection of coverage could prove extremely costly. Provided here is a quick guide to insurance for process servers.
Professional Liability Insurance vs. Errors & Omissions Insurance
Today, these two terms are often used interchangeably. However, this was not always the case. Traditionally, Errors & Omissions Insurance was the more complete coverage. Professional Liability generally covered only negligent as opposed to intentional acts or omissions and did not cover bodily injury or property damage. Errors & Omissions Insurance usually covered all of the above.
As a process server, you are responsible for handling legal papers from the court clerk, local attorneys and magistrates. These papers are then distributed to defendants and others involved in criminal and civil cases. If you fail to do your job correctly, you could jeopardize a defendant’s case, which could leave to a negligence claim or civil lawsuit brought by the defendant.
In today’s business and social climate, it’s imperative that process servers have all the facts, but getting them is not always easy particularly in the face of legislation that has grown out of greater public focus on the issues of privacy, profiling and civil liberties. Conducting skip-traces and attorney services can be like walking a tightrope. One slip can have serious and lasting repercussions.
For such instances, having proper process server insurance coverage specifically designed for process serving companies, or individuals, is critical. This not only protects your business, but also provides indemnity from, the acts of employees, independent contractors and others.