Process Server Insurance
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Why Do I Need 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.
Below are some of the most common types of insurance policies that plumbers carry to stay protected.
What Type of Process Server Insurance Do I Need?
From
$25.83
/month*
General Liability
A foundational insurance coverage to help handle costs from third-party accidents, property damage, and bodily injury.
From
$20.75
/month*
Workers’ Comp
Coverage to help take care of employees who get sick or injured on the job. Most states require this coverage for small businesses with full- or part-time employees. It also can benefit business owners who don’t have employees.
From
$38.91
/month*
Business insurance —
a quick explainer
Learn more about policies for small businesses, what they cover, why you might need them, and how we can help – all in just 60 seconds.
Business insurance is often made up of different types of policies to cover different things, similar to how your health insurance can be made up of medical dental and vision coverage. Here are some of the ones small business owners need. General liability is kind of the Swiss army knife of insurance. It can do a lot, like help handle costs from third party accidents, property damage, bodily injury, and more. Nobody’s perfect, right? That’s what professional liability is for. It could come in handy in the event of honest mistakes or claims of negligence. Workers’ comp can protect your business and help take care of employees who get sick or injured on the job. Small businesses are big targets for cyber criminals. Cyber Insurance can help cover costs associated with stolen customer data, cyber attacks, breaches, and fraud. BOP or a business owners policy combines different types of coverages like general liability and commercial property insurance. Putting them together for you is where we come in. You tell us a bit about your business online or on the phone, and we customize the coverage options for what you do and what you need. It’s your business, it should be your insurance as well. That’s why we’re here.
What Does Process Server Insurance Cover?
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:
- 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
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!
Answers to More Process Server Insurance Coverage Questions
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
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.
Why Small Businesses Choose Simply Business
Small business insurance is what we do. Whether it’s covering you for accidents and errors, meeting workers’ comp requirements, or financially protecting your business from the unexpected, we can help find the coverage you need for your business.
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*The displayed price for each product is a monthly estimate calculated from the 10th percentile of relevant policies sold by Simply Business (e.g., General Liability data is used for General Liability estimates). This estimate uses data from relevant policy sales between July–December 2025. Final price and payment terms, which may include an initial down payment, are subject to change based on your state, selected insurance provider, and specific business details.
† Limits may vary by state and nature of your business.
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