Which type of insurance must Private Detectives in Illinois maintain?

Private Detectives in Illinois are required to maintain liability insurance as a critical aspect of their professional practice. This type of insurance provides essential protection against claims arising from negligence, errors, or omissions in the course of their work. Given the sensitive nature of investigative work, liability insurance helps ensure that private detectives can cover potential legal costs and settlements resulting from lawsuits. For instance, if a detective inadvertently shares confidential information or fails to follow proper protocols leading to a client's loss, liability insurance can safeguard them financially and help maintain their professional integrity.

While other types of insurance, such as property insurance or health insurance, may be beneficial for personal or business protection, they are not specifically mandated for the practice of private investigation in Illinois. Professional indemnity insurance is also important in a broader context, but the essential requirement falls under liability insurance, making it a fundamental aspect of legal compliance and professional responsibility for private detectives operating in the state.