USAPI

The United States Association of Professional Investigators, Inc. is a national organization representing the interests of all professional investigators.  Its mission is to provide the investigation profession and its members with resources, training, certification, information, and leadership that will enable to provide valuable services in the highest professional manner to benefit the general public, as well employers and clientele. 

Insurance Solutions Available

General Liability – Provides defense and settlement protection to your business for claims brought about by customers and third parties.  Coverage can include liability for injuries caused by you or your employees, damage to property owned by others, and even liability for damage or injury caused by your product or service.  This coverage includes

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Errors & Omissions /Professional Liability – Provides defense, settlement and damage payments to a third party for claims brought against you for economic loss for acts of errors and omissions in your professional services.

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Property- Replacement and/or repair for business property lost or destroyed by fire, lightning, windstorm, vandalism, theft, or other natural acts.  Includes coverage for portable equipment and technical equipment along with office inventory.  Coverage can be written on a replacement basis or an actual cash value basis

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Business Income & Extra Expense- When written with property insurance, business income provides replacement of income for a covered property loss that halts business activity or slows income streams due to loss of business.  Coverage will supplement income for a specific period of time or in some cases until your business is at the income level it sustained before loss.  Extra expense insurance supplements costs over and above normal operating expenses for setting up an office along with the expenses associated with the move.

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Workers Compensation – Provides coverage for medical benefits to the employee for bodily injury by accident or by disease.  This policy includes indemnity coverage for lost wages due to injury and disability coverage for the period of time that the employee is out of work.  Coverage also provided protection for the employer in the event an employee brings suit for alleged denial of benefits.

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Directors & Officers Liability (Profit/Not-for-Profit) – Provides a firm and its directors and officers protections from claims brought against them for misappropriation of funds or misdirection of the firm.  Can be extended to include Employment Practices Liability.

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Employee Practices Liability – Provides employers with protection for claims brought by employees for discrimination and hiring/firing practices.  This coverage can be written to include coverage for claims brought by third parties and vendors.  The policy will included defense coverage and settlement coverage. 

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Fiduciary Liability – Designed to offer defense and damage protection for the responsible parties and administrators of welfare and health plans.  As an administrator you are responsible for making sure plans are appropriate and run correctly.  This coverage allows for claim protection in the event accusations are made for mismanagement.

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Crime & Fidelity Insurance – Crime and Fidelity insurance provides first and potentially third party protection for theft of money and property from you or your customer.  In most cases the individual responsible will be prosecuted and forced to repay.  The coverage can be made contingent on this issue or can be structured without a conviction clause.

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Bonding – Surety bonds are available for businesses that are required to obtain a bond by either a local or state jurisdiction to keep or maintain licensing. 

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Commercial Auto – Provides liability and physical damage protection to your business and owned automobiles.  Coverage can also be tailored to include hired and non-owned autos used by your employees.

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Life Insurance - Top-rated companies with the most competitive life insurance programs. Low Cost term plans with premiums guaranteed for up to 30 years. Return of Premium Term gives you all of your premiums back. Build tax deferred savings with Universal Life and Whole Life.   These products can also be designed for use with Key Man and Buy/Sell arrangements including business transition and executive bonus.

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Health Insurance - Individual plans including HSA programs. Group plans are available for groups with as little as two employees.  Many different options exist including high deductible plans with savings accounts, health maintenance organizations with low co-payment and no deductibles and everything in between. 

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Disability Insurance – Protect your income! Disability insurance provides an income if you can not work due to injury or sickness. Plans are available on an individual and group basis.  Coverage is written for a specified time limit or for disability to retirement age and beyond.

  (Coverages NOT Available in all States)