Indemnity-first cover for investigative work
UK Private Investigators
Defamation, confidentiality, lost evidence, data — investigator claims are professional, not physical. Six questions to size and place the right cover.
Answer the questions below; each option points toward the providers whose cover fits that answer. Your closest matches are the providers your answers point to most often.
Question 1: What’s your work mix?
- Matrimonial / private clients
- Points to: Simply Business (+2), Hiscox (+1)
- Corporate investigation / due diligence
- Points to: Hiscox (+2), Windrush Insurance Brokers (+1)
- Litigation support / process serving
- Points to: Hiscox (+1), Simply Business (+1), Markel Direct (+1)
- Mixed, incl. international
- Points to: Windrush Insurance Brokers (+3)
Question 2: Are you an ABI member (or planning to join)?
The Association of British Investigators requires members to carry at least £500,000 of professional indemnity
- Yes
- Points to: Hiscox (+1), Simply Business (+1)
- No
- Points to: no specific provider (neutral answer)
Question 3: What PI limit do your clients require?
- £500k — the ABI floor
- Points to: Simply Business (+1), Markel Direct (+1)
- £1m+
- Points to: Hiscox (+2), Windrush Insurance Brokers (+1)
- Not sure
- Points to: Simply Business (+1)
Question 4: Where do your case files live?
- Digitally — on my systems or cloud — Cyber/data cover is close to essential
- Points to: Hiscox (+2), Windrush Insurance Brokers (+1)
- Mostly paper / minimal records
- Points to: Simply Business (+1)
Question 5: Anyone working for you?
- Yes — staff or subcontracted investigators
- Points to: Windrush Insurance Brokers (+2), Hiscox (+1), Simply Business (+1)
- Just me
- Points to: no specific provider (neutral answer)
Question 6: What matters most?
- Lowest price
- Points to: Simply Business (+2)
- Claims pedigree on PI
- Points to: Hiscox (+3)
- An advising specialist broker
- Points to: Windrush Insurance Brokers (+3)
- Comparing the market
- Points to: Simply Business (+2)
Providers in this tool
Hiscox
The strongest professional indemnity pedigree, from £9.80/month, with investigator-specific guidance and a premium claims reputation. 4.4 on Trustpilot.
https://www.hiscox.co.uk/business-insurance/private-investigator
Simply Business
PI-first policies from £5.64/month with multi-insurer comparison and legal expenses options.
https://www.simplybusiness.co.uk/business-insurance/private-investigators-insurance/
Windrush Insurance Brokers
A security-industry specialist broker spanning investigators, close protection and consultants — suits complex, corporate or international work.
https://www.windrushinsurance.co.uk/security-private-investigator-insurance/
Markel Direct
Direct-insurer alternative with professional indemnity, public liability and a legal helpline.
This tool gives a guide match based on typical product features, not financial advice. Cover details, prices and review scores change — always read the policy wording and compare at least two quotes before buying. Information last checked June 2026.