Process servers, just like any other business professionals, need insurance. Due to the nature of process service, those being served are often not thrilled at the prospect and every business may have to detail with unsatisfied clients at some point. And, just as is the case with any business, without insurance, you can be at risk of being sued by someone. The reality is, even if a lawsuit is without merit, it could tie up your time and drain your resources, affecting your life and livelihood.
Process servers cannot just do anything it takes to serve someone, they have regulations that guide operations so that process service does not violate someone’s rights. Business insurance policies for process servers will cover things like professional and general liability as well as workers’ compensation. This is important because it protects against both individuals making claims against your business and damages that are the results of your own negligence.
The type of insurance you need will depend on how you operate your business, where you live, and your budget but there are affordable insurance policies available and all process servers should have some level of insurance protection. Is it just you or do you have a team of process servers that work for your business? What types of process service cases do you tend to take? What are the laws in your area – do they require process servers to have a certain type of insurance? These are all questions you need to ask yourself when determining which insurance is best for your process service business.