KANSAS ASSOCIATION OF PRIVATE INVESTIGATORS

P.O. Box 2111

Shawnee Mission, KS 66201-1111

Private Detective Insurance Information

KAPI has identified two Kansas insurance agencies who handle professional liability insurance which satisfies the Kansas licensing requirement found in KSA 75-7b16. KAPI has also identified other sources for similar insurance; the details are listed below:

• Copeland Insurance Agency, Inc. 6101 Martway Street, Mission, KS 66202 913-722-4300 (Additional office in Manhattan, KS)Website
  
• Elliott Insurance Group, P.O. Box 639, Louisburg, KS 66053 913-837-5125 Website
  
  
  • Insurer:Varies - [carriers typically not regulated by Kansas Insurance Commissioner]
    
  • Coverage Type: Professional Liability, Errors & Omissions
    
  • Coverage Amount: Minimum $300,000 per occurrence [Note: Kansas requires minimum of $100,000; Missouri requires minimum of $250,000]
    
  • Covered Activities: Private Detectives, Investigators, and Private Security
    
  • Excluded Activities: Many Insurers exclude Auto Repossession, Bail Bond Operations, Executive Security, and other high risk confrontational operations. Additional fees are being charged for retail security operations.
    
  • Cost: Varies dependent upon operations: $600 - $2,000 annually
    
  • Additional coverage for excluded areas, additional employees in small agencies, additional insured (regulating agencies or clients), etc. may be available for additional insurance charge.
  
  
• National Council of Investigation and Security Services, 7501 Sparrows Point Blvd, Baltimore, MD 21219-1927
  
  
  • Requires membership in NCISS for special policy through exclusive insurer.
    
  • NCISS Web Site
    
  • NCISS E-Mail
    
  • Brownyard Insurance Programs Ltd.  1-800-665-7304  Brownyard Insurance Application
  
  
• AMIS
  
  
  • AMIS is a California firm operated by a former private investigator.
    
  • AMIS website
    
  • AMIS PI Insurance Application
  
  
• THE MECHANIC GROUP
  Offers a wide variety of insurance for private security operations. Recommended by NCISS members in the Association Advisory Council meeting in 2006.
  • Phone: 1-800-214-0207 Fax: 1-845-735-8383
  • Mechanic Group website
  • Email: info@mechanicgroup.com
  
  
• Costanza Insurance
  
  
  • Constanza is a Texas Company that advertises in a lot of investigator oriented publications.
    
  • Costanza website  Costanza Application Form

The KBI maintains a listing of current agencies that are writing insurance for Kansas private detectives. Contact the licensing agency for a copy; the state Department of Insurance will not be able to provide a list of insurers.

The federal Terrorism Risk Insurance Act is requiring that you either decline or be charged extra for losses associated with terrorist actions.