Are private investigators in Texas required to have liability insurance?

Texas law mandates that private investigators carry liability insurance to protect themselves and their clients from potential losses that may arise during the course of their work. This requirement ensures that if any errors or omissions occur while performing investigative duties, there is financial coverage to address any claims for damages that could be brought against the investigator.

Professional liability insurance specifically addresses risks associated with the services provided by private investigators, which can involve sensitive information and situations where mistakes can lead to significant repercussions for clients. By requiring this insurance, Texas aims to uphold certain standards within the profession and provides a layer of security for both practitioners and the public.

The other options, while they present various scenarios, do not accurately reflect the legal requirements set forth for private investigators in Texas. Liability insurance being optional or only required for certain types of PIs does not align with the provisions designed to standardize the protections for all practicing PIs in the state.