Professional Liability Insurance For Process Servers

Are you a process server in Canada? If so, your job duties are probably lengthy, leaving plenty of room for mistakes. As a process server, it is your job to file court documents and serve and retrieve legal documents. However, your principal job is to serve legal documents to individuals and defendants involved in a court case. If at any time you fail to deliver these documents in a timely manner, it could delay a court case or prevent from being notified of subpoena.

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.

Process servers also have access to the city, county and/or state’s court database. If you fail to protect the information you gather from this database, it could risk the identifying information of many residents living in the area. This could lead to a single or multiple lawsuits brought by those who were injured due your negligence.

As a process server in Canada, you are required by law to carry professional liability insurance, better known as errors and omissions. PLI insurance helps to cover expenses related to personal injury, bodily injury and property damage due to your negligence. E&O will also cover all or part of your litigation costs, settlements and monetary judgments. Even if you are found to not be at fault, PLI will still cover your defense costs.

If you fail to do your job properly, it could result in personal injury and/or financial loss for a third-party. If the court determines that you are liable for these damages, you will be forced to pay a specific amount out-of-pocket. However, if you are covered with general liability insurance (GLI), your out-of-pocket expenses will be reduced to nothing, a half or by a third.

The amount of coverage you as a professional will need will depend on your customers, risk exposure, claim history, and a few other factors.

We recommend having coverage of no less than $1,000,000 for Professional Liability insurance along with Commercial general Liability Insurance for $1,000,000, if your business demands it. Rates starting at $40/month!

process server business

Additional Coverage Recommendations

To be fully protected from financial loss associated with third-party civil lawsuits and negligence claims, you may need to carry additional coverage. Even though you may be monitoring your expenses and trying to keep them to a minimum, it is impossible to be fully protected with multiple insurance policies. Below, you will discover a list of additional coverage recommendations.

Commercial General Liability Insurance

Commercial general liability insurance, also known as business liability insurance, will protect you from financial loss as a result of third-party civil lawsuits and negligence claims. CGL will kick in if the claim falls within the terms of the policy, covering all or part of the settlement or monetary judgment. If you do not protect the persons named on the legal documents you are responsible for, it could result in reputation damage. This type of coverage will help you pay for settlements and monetary judgments related to these cases.

CGL Insurance Limit Recommendations – $500,000 per claim/$1,000,000 aggregate

Identity Theft Insurance

Process servers often work for the government so many people know them by name. If you are not familiar with the dangers caused by identity theft, you should start doing research on the topic. Identity theft has been known to leave victims with thousands of dollars in debt. Regardless, if these victims were responsible for the debt, they will be forced to pay for it. Identity theft insurance is the solution, as it will cover these expenses and prevent you from filing bankruptcy, just to pay for these debts.

Identity Theft Insurance Limit Recommendations – $25,000 per claim/$100,000 aggregate

Commercial Car Insurance

Process servers spend a big portion of their time on the road, driving from one place to another just to serve papers. Commercial car insurance is a must, as it will cover third-party damages, personal injury and bodily injury.

Commercial Car Insurance Limit Recommendations – $50,000 per claim/$100,000 Aggregate

Average Costs

Just to give you an idea of how much the lowest coverage limit of the above polices will cost you, a list of average costs are provided below.

  • Professional Liability Insurance – $40 per month
  • Commercial General Liability Insurance – $25 per month
  • Identity Theft Insurance – $20 per month
  • Commercial Car Insurance – $100 per month

To receive your free quote, please contact our office today to speak with one of our agents. Make sure to ask about qualifications that your business must meet before applying to avoid wasting time with an insurer.

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FAQ before purchasing process servers professional liability insurance

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Other professions we also provide insurance for:

Academic Testing Centers
Accident Investigation
Accident Prevention Consultants
Accountants
Actuaries
Adjusters
Adoption Agencies
Advertising
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Advertising Agents & Services
Aerial Mappers
Agents
Agrologists
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Alarm Monitoring Services
Allied Health Professionals
Alternative Dispute Resolution Firms
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Anthologist
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Auctioneers, Auction Houses
Authors
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Boat Registrars
Bookkeepers
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Building Designers(Bill 124)
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Business Enterprise Agencies
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Cabling Designers
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Civil engineers
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Company Formation
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Conference & Event Management
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Conservation Consultants
Conservation Organizations
Consultants
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Contest Managers
Contractors Accountants
Convention Planners
Copywriters
Counselling & Advice Services
Court Reporters
CPA/CMA
Credit Reference Services/Bureaus
Custom House Broker
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Data Processing Services
Database Managers
Day Spas
Decorators – Interior
Dental Laboratories
Designers
Dietitians (Consulting)
Directors
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Documentary creators
Employment Agencies
Employment Agencies/Recruiters
Employment Placement Agencies
Energy Audits & Assessments
Engineers
Environmental Engineers
Event Planners
Excess & Umbrella Liability
Filmmakers
Fitness Clubs
Foreign Legal Consultants
Holistic Professional
Home inspectors insurance
Immigration Consultants
Independent Contractor
Industrial Designers
Information Technology
Interior Designers
IT Contractor
IT Specialist/Technician/Programmer
Journalists
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Lawyer’s Excess Professional Liability
Long Term Care
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Mortgage Brokers
Multimedia designers
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Paralegals
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Podiatrists
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Process Servers
Product Designers
Professional Entertainers
Professional Organizer
Professionals Liability
Project Managers
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Publishers
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Recruiters
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Safety Engineers
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Spa Package
Structural Engineers
Sub-Contractor
Surveyors
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Therapist Professionals
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Translators etc.
Travel Agencies
Travel Agents
Travel Agents, Tour operators
Web Designers
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Workplace Engineers & Consultants