Process Server Insurance (2022)

Protect Your Growing Business with Process Server Insurance

As a process server, you’re an integral part of the justice system and aren’t afraid of a little hard work. What happens if you find yourself on the other side of court proceedings, though? Process server insurance can potentially protect your business (and finances) in case of an accident.

Here at Simply Business, we can help match you with the right policy.

We’re an online insurance platform that helps small business owners cut through confusing insurance options to get covered and get back to business. Not sure what kind of insurance you need? No worries — our simple quote process narrows down choices to match you with policy options based on your business, location, and more.

The best part is that it takes only a few minutes to get free quotes from the nation's top insurers.

Ready to get started?

Get your quote

Need more detail? Read our FAQs:

  • What is Business Insurance?

  • What is General Liability Insurance?

  • What is Professional Liability Insurance?

  • More business insurance FAQs

Coverage Type

  • Small Business Insurance

  • General Liability Insurance

  • Professional Liability Insurance

  • Self-Employed Business Insurance

Business Insurance Policies Available for Process Servers:

  • Professional liability insurance

  • General liability insurance

  • Workers compensation insurance


  • It can protect your business from certain claims.

  • It can cover damages caused by your negligence.

  • Proof of insurance can help clients feel good about your work.

  • It may be required where you’re located.

Process Server Insurance (1)

Process Server Insurance (2)
(Video) Risk Management and Insurance for Process Servers

What Type of Insurance Do Process Servers Need?

With low overhead and flexible hours, getting into the process serving business can be enticing. Before you get started (or go further), though, it’s important to understand the insurance options available to you. Here are the three policies to consider.

Professional Liability Insurance

Professional liability insurance isn’t just for doctors or surgeons — process servers benefit from it too. Your job is essential to legal proceedings, and your crucial status means your actions can likely help or hinder a case. While most of the time it feels good to play an essential role, it also means you could be sued for negligence.

Imagine you’re serving some documents in an office building, and you read the name of the respondent to a secretary to find the correct office. Unfortunately, you misread the name on your documents and served the papers to the wrong person. In any other job, a little slip would be no big deal. However, for you, your mistake could caused court proceedings to stall, and your client could then try to sue you for negligence.

What are your options in this case? Well, if you had professional liability insurance, your policy could help cover your legal fees and damages up to your policy limits. If you chose to forgo insurance, you’d be stuck with the bill yourself.

By getting PL coverage before you need it, you could likely avoid dipping into your personal finances or getting a loan to handle claims.

To summarize, here’s what a professional liability policy can cover:

  • Negligence or alleged negligence

  • Legal defense costs

  • Omissions or alleged omissions

  • Claims and damages

  • And more

Keep in mind that PL insurance usually doesn’t cover:

  • Intentional acts and omissions

  • Property damage

  • Medical expenses

  • Bodily injury

  • And more

General Liability Insurance

Professional liability insurance applies only to some professions, but most businesses can benefit from general liability insurance. This type of policy typically covers costs associated with third-party accidents, damages to property, and bodily injury to a third party (e.g., a client or vendor).

For process servers, damages could be as simple as slamming the front gate at a residence too hard after serving someone and damaging the gate door’s locking mechanism. If you had process server insurance, your policy could usually help you pay to repair the gate door.

Insurance also could help if you find yourself in even deeper water. A broken gate isn’t so serious, but the reality is that the average customer injury or damage claim is a whopping $30,000. Unless you’re content to pay that out of pocket, it’s a good idea to consider getting insurance.

To recap, here’s what general liability insurance usually can cover:

  • Bodily injury to another person

  • Third-party property damage

  • Personal and advertising injury

  • Medical expenses

  • And more

Now check out what general liability insurance usually doesn’t cover:

(Video) Why Process Servers Need Insurance
  • Damage to your own property

  • Professional services

  • Workers compensation or injury to your employees

  • Damage to your work

  • Motor vehicles while in business use

  • Expected or intentional injury or damage

  • And more

Workers Compensation Insurance

You started as a one-person company, and now you have a team! Growing your company is a reason to celebrate, but it’s not without a few extra considerations. For one, most states require you to carry workers compensation insurance if you have employees.

Even if you employ only one or two part-time employees, your state may require workers comp. Check to see your state’s laws here. Or simply complete the free quote process to determine what coverage options you may need based on the answers provided.

Even if workers comp wasn’t generally required by law, it would be a helpful addition. Considering that the average work injury cost is $41,000, your policy could save you a lot of money if something happens to an employee.

In general, workers compensation insurance can cover:

  • Medical payments

  • Lost wages

  • Rehabilitation expenses

  • Death benefits

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Process Server Insurance (4)

Why Should I Get Process Server Insurance?

Your job isn’t always glamorous, but it is critical. With your responsibility to your community comes liability, and business insurance can help.

Unfortunately, 43% of small business owners polled reported being threatened with or involved in a civil lawsuit. If you’re one of the unlucky business owners who finds yourself in court, the costs could be high.

Just take a look at the most common incidents that can happen to small business owners, including how much they can cost on average:

  • Reputational Harm — $50,000

  • Client Injury or Damage — $30,000

  • Client Slip and Fall — $20,000

You deserve to use every dime you earn to support yourself and grow your business. Without insurance, though, you’re likely gambling with your finances. A single slip could potentially snowball into a damage or negligence claim, which could quickly rack up bills for your business.

The frustrating part is that you may not even need to make a mistake to find yourself in hot water. If a client brings a negligence claim against you that you disagree with, at the very least, you’ll have to pay for your defense, and for damages at the worst. While all of this sounds scary, it’s important to understand what could lie ahead and make an informed decision that’s best for you.

Process server insurance isn’t all doom and gloom, though. When you get insured, you can request a certificate of insurance (COI). This document could be required by landlords to rent office space, and it also may be useful for gaining the trust of potential clients and employees.

While having business insurance can have a significant impact on your business, getting covered doesn’t have to be difficult Here at Simply Business, we make getting insured easy!

Process Server Insurance (5)

Process Server Insurance (6)
(Video) Why Do Process Servers and Private Investigators Need Insurance?

Process Server Insurance FAQs

  • Process server insurance laws vary by state, so you may or may not have a legal requirement. Don’t worry about learning the rules before getting started, though. Our quote process considers your location, and our licensed insurance agents can assist with questions you may have have.

    While business insurance requirements vary, workers comp coverage is usually required if you have employees.

  • If you’re concerned about the cost of business insurance, you may be happy to know that you can generally deduct insurance premiums from your business income tax filings. We always recommend talking to an accountant if you have questions about your business expenses, though.

  • Your ideal level of coverage depends on the details of your business, including:

    • The size of your business

    • Your business location

    • Your annual revenue and payroll

    • And more

    If you’re not sure what you need, our quote form recommends the right insurance plans for you, based on your answers.

    If you have more questions, our licensed insurance agents will be happy to assist you!

  • It takes only a few minutes to find and compare free process server insurance quotes. If you want to make the process even easier, it’s helpful to have the following information on hand:

    • Annual revenue estimates

    • Payroll estimates

    • Information on any previous claims

  • Yes, process server insurance differs by state. While we always recommend business insurance, you may not have a legal requirement for your business. Your state also sets workers comp laws.

    We know that sorting through your state’s website isn’t how you dream of spending an afternoon. So we’ve designed the quote process to automatically suggest coverage based on your location and the laws that apply to you.

    If you still have questions about insurance in your state, our licensed insurance agents are happy to assist you.

  • The types of policies you choose will affect the scenarios your business is covered in. For example, a comprehensive bundle of general liability, professional liability, and workers comp insurance for education consultants can cover:

    • Bodily injury

    • Accidents and damages

    • Employee injuries

    • Negligence or alleged negligence

    • And more

    (Video) Hiring An Insured vs Not Insured Process Server
  • Understandably, business owners want to carefully consider the cost of insurance. While we can’t give you an exact price, each policy is custom-created, so you can rest assured that you don’t need to pay for more coverage than you need.

    Generally, your insurance premiums are based on:

    • Payroll and revenue estimates

    • The location of your business

    • The specific services you offer

    • And more

    Want to see how much your process server insurance may cost? Just click here and get free quotes from some of the top insurers in the country.

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Process Server Insurance (8)

Why Choose Simply Business?

Every community is home to countless jobs that keep everything running. We want you to know that at Simply Business, we see your efforts and want to help keep your business thriving.

Simply Business is an online insurance platform that helps small business owners protect what they’ve created. We’re also one of the fastest-growing online providers of small business insurance, with thousands of customers trusting us to protect their growing businesses. Finding, comparing, and choosing insurance can be overwhelming. That’s why we try to make the process as simple as possible.

So why choose Simply Business?

  • We’re fast and affordable. You can find and compare plans in under 10 minutes to quickly get back to business as usual.

  • We’re flexible with coverage. Whether you’re looking for your first insurance policy or you need to upgrade coverage for new employees, and beyond — we’ve got you covered.

  • We get your business. Say no to one-size-fits-all insurance plans. Get personalized process server protection that fits your needs.

Sometimes you have to be the bearer of bad news in your job, but you carry your business with professionalism and efficiency. Your dedication is why we offer the best coverage options to protect your business.

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    (Video) Sacramento Process Server Can Serve Your Documents To Nationwide Insurance Company

This content is intended to be used for informational purposes only. It is not intended to provide legal, tax, accounting, investment, or any other form of professional advice.


How much does a process server cost NYC? ›

Service of process ranges from $55 to $135. Remote locations are more expensive. Cities and urban areas are less. ABC Legal charges per address, entity, and the number of cases being served.

How much does a process server cost NSW? ›

Process servers charge a fee of around $80.00 to serve documents in metropolitan areas. If you need to serve documents in a remote area and the process server has to travel to get there, they will charge you more.

What process server means? ›

Process Servers are people who deliver court documents for a living, partiuclarly the summons and complaint necessary to start a trial. See Service of Process; Civil Procedure. Some specialize in delivering papers to defendants who are deliberately trying to evade service of process.

What is a Texas process server? ›

Process servers in Texas are responsible for making sure that all of the required documents and citations have been delivered to the right persons. They must also file a “Return Of Citation' form to the local courts. This is considered proof of service.

Do you need a license to be a process server in New York? ›

A Process Server Individual License is required for a person who serves, personally or by substitute service, five (5) or more processes in any one- year period. Attorneys admitted to practice in New York State and government employees that serve process as part of their job are exempt from this licensing requirement.

What time can a process server serve papers in New York? ›

In New York City for many Housing Court cases, papers should be served between 6:00 in the morning and 10:00 at night.

How long does a process server have to serve papers? ›

For standard serves, the typical time to serve papers is 5-7 days. Turn-around-time (or TAT) can vary from process server to process server. However, this is something that can be determined in most cases by you, which usually leads to a higher cost.

Can Court papers be served to a family member? ›

Third party serve

This is an option where you serve the documents to a family member or a neighbour. The same rules apply as handing to the original person in that they need to be given to them in person and proof of delivery obtained.

What happens if you avoid being served Court papers Australia? ›

The application served on you will usually include a hearing date. You must attend that hearing. If you don't attend, the Court could make orders against you if the applicant can show that you were aware of the proceedings and that they have a valid claim.

What is another name for a process server? ›

What is another word for process server?
law officermessenger

Why is a process server calling me? ›

Answer: Legitimate process servers are highly unlikely to make such calls. The calls are almost certainly from scammers who try to frighten people into giving account information to transfer funds.

What is salary of process server in India? ›

The average process server salary in India is ₹ 475,000 per year or ₹ 244 per hour. Entry-level positions start at ₹ 450,000 per year, while most experienced workers make up to ₹ 500,000 per year.

Can a process server leave papers at your door in Texas? ›

Process servers often look to leave papers with someone who might answer the door to your home. Despite this being a good idea, they cannot do so with a minor. Although you may be avoiding the process server and avoiding service, this is unreliable.

How Much Do process servers make in Texas? ›

How much does a Process Server make in Texas? The average Process Server salary in Texas is $39,397 as of September 26, 2022, but the range typically falls between $34,042 and $45,493.

How long can a process server try to serve you in Texas? ›

A person can be served through certified mail in Texas. A process server's code of conduct says that he must treat everyone with respect. He must be candid and truthful. A process server will typically make his first attempt to serve the papers within 5 to 7 days after he was hired.

How do I get a process server license in NY? ›

Quick List of Requirements to Apply for a Process Server Individual License
  1. Basic Individual License Application.
  2. Photo Identification (ID) of License Applicant.
  3. Process Server Individual Background Information Form.
  4. One Current Color Passport-size Photograph of License Applicant.
  5. Process Server Individual Bond Requirement.

What is a NYS process server? ›

Legal process servers are hired by law firms to serve legal papers which notify individuals that they are being sued. New York law makes clear how the legal documents that start a lawsuit must be served on anyone being sued. A process server can: Deliver the summons directly to the person being sued; or.

How do I become a licensed process server in NYC? ›

In order to become a licensed process server in the state of New York, you must:
  1. Fill out the basic individual license application. ...
  2. Provide a background check. ...
  3. Provide a passport-sized photo. ...
  4. Purchase a New York Process Server Bond. ...
  5. Complete the necessary paperwork. ...
  6. Pay licensing fees. ...
  7. Submit your completed application.

How many days before court must you be served in NY? ›

Process Rules and Fees

There is a $52.00 filing fee for each summons. All Family Offense summonses must be served at least 24 hours before the court date.

How do you answer a summons without a lawyer? ›

Take your written answer to the clerk's office.

If you've decided to take your answer to the clerk's office in person for filing, bring your originals plus at least 2 copies. The clerk will take your documents and stamp each set of papers "filed" with the date. They will then give the copies back to you.

Can you serve court papers by email? ›

In the case of service by email, a specified method can be agreed so that the receipt of court documents may be managed and monitored properly. Service of documents by email is 'opt-in'. Simply because correspondence is sent by email between the parties does not mean a court document may be served by email.

What happens if summons not received? ›

If anyone is unresponsive to a summons also known as legal notice the court would respond by or the course of action of the court would be initiating ex-parte legal proceedings which would entail the plaintiff proving his claim through the legal procedure as well as by evidencing supporting his claim.

How many times can a process server come to your house in Florida? ›

In the case of a defendant-owned business, the process server has two attempts to serve the owner directly. If these attempts fail, the paperwork may be left with the person who is in charge.

How is a court summons delivered? ›

The Sheriff will give the Summons to the defendant by hand. They can also give it to someone who lives with the defendant who is at least 13 years old. Next, the Sheriff fills out a sworn statement on the back of the copy of the Summons. Then, they file it with the Clerk of the Court.

Why do papers have to be served? ›

Serving papers on another person is an official handing over of documents. Papers must be "served" on any other person who is involved in the law suit or who the law requires get the papers. This lets the person(s) in the case know what you are telling the court and what you are asking court to do.

Can court papers be served by WhatsApp? ›

The court held that service of process by WhatsApp was not null, and consequently there was no obstacle to recognizing the judgment. In the past, the TJSP was stricter regarding the use of WhatsApp in judicial proceedings: in Communication CG no.

Can you share court documents? ›

It's important to note that you are not even allowed to show your court documents to your family unless they are named as one of the parties on the court case. If you do share information or documents about the court proceedings then you may be found to be in contempt of court and this can carry serious penalties.

What happens if defendant Cannot pay judgment? ›

A warrant of control gives court enforcement agents the authority to take goods from the defendant's home or business. Enforcement agents will try to either: collect the money you are owed. take goods to sell at auction.

What happens if you ignore a letter of demand? ›

If the defendant does not approach his attorney to defend the matter, default judgment may be granted against the defendant. As soon as judgment is granted, the judgment creditor may apply for an order from Court to deduct a certain amount on the judgment creditor's salary.

How do you check if there is a Judgement against you? ›

The most common ways you may find out that there are outstanding judgements against you are:
  1. Letter in the mail or phone call from the collection attorneys;
  2. Garnishee notice from your payroll department;
  3. Freeze on your bank account; or.
  4. Routine check of your credit report.
24 Jan 2019

What powers does a process server have? ›

What can a process server do?
  • Gather information to locate the address of an absent recipient.
  • Act quickly to speed the serving process along.
  • Follow specific instructions or guidelines where necessary.
  • Adhere to all Data Protection and Human Rights legislation.
8 Dec 2021

What investigative specialty does a process server use most? ›

Investigative Techniques That Process Servers Can Use

Interviewing known associates. Surveilling the defendant's last known address to identify a person's whereabouts and give a process server the opportunity to counter a person's evasive tactics.

How do I become a process server in Arizona? ›

In order to become a process server in Arizona, you must register in accordance with guidelines established by the Arizona Supreme Court. Applicants must be at least twenty years of age and pass a written examination. Registration is completed at the county level and is valid for service of process statewide.

How do I become a process server in Georgia? ›

Requirements for Georgia Process Server Certification
  1. You must be 18 years of age or older.
  2. You must be a U.S. citizen.
  3. You must have no affiliation with the case.
  4. You must complete a 12-hour, pre-certification class.
  5. You must pass an exam administered by the Administrative Office of the Courts.
  6. You must obtain a surety bond.


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