June 13th, 2024

Accident Reconstruction & Investigator Liability Insurance Coverage

Accident Reconstructionists need E&O risk liability insurance

When an accident occurs, the people involved are usually so busy living it that they don’t have a chance to note every detail concerning the cause and circumstances of the accident. One of the most common things people say concerning an accident is that it happened so fast. That is where an accident reconstructionist or accident investigator can play a very important role. These professionals carefully investigate the accident itself and the events that led up to it, and then use that information to reconstruct an accurate picture of exactly what happened during the accident and how it was caused.

An "accident" is defined as "an unexpected and undesirable event". Accident reconstruction is a branch of causation forensics which involves determining how and why an accident happened. It is accomplished first by carefully interpreting the clues left by the remaining physical evidence of the accident, then by reconstructing and studying the events proceeding, during, and following the accident.

A peculiarity of this profession is that accident reconstructions are methodically worked backwards time-wise, from the end results back to the beginning sequence of events.

All kinds of accidents are investigated through reconstruction methodology, including plane crashes, crane failures, bridge collapses, vehicular collisions, etc.

Reconstructions of traffic collisions typically involve determining the factors that contributed to the cause and severity of the collision, such as excessive speed, poor visibility, a defective tire, the failure of an occupant to wear a safety belt, or the disregard of traffic control devices.

Accident Reconstructionists in the private sector are independent forensic generalists and specialists. Some are retired or moonlighting police officers with special training, and others are technically trained like engineers and physicists who have specialized in related fields and who have the necessary training and experience in accident reconstruction.

Since we are a Surplus Lines Broker we deal directly with the insurance company on your behalf, and we can save you money.

If you’re an Accident Reconstruction Investigator,
AMIS can help you obtain the right insurance.
    AMIS offers insurance coverage designed for:
  • Accident Reconstructionists
  • Accident Investigators
  • Accident Reconstruction Consultants
  • Accident Reconstruction Services
  • Forensic Investigators
  • Private Investigators
  • Commercial General Liability
  • Liability Limits $1,000,000 each Occurrence and $2,000,000 General Aggregate
  • Products/Completed Operations
  • Personal Injury, Advertising Injury
  • Fire Damage Legal Liability
  • Employees As Additional Insured
  • Independent Contractors-Other Insurance Amendment (A.I.)
  • Contractual Broad Form Excluding Sole Negligence
  • Assault and Battery
  • Errors and Omissions including Limited Financial Matters
  • Care, Custody and Control Exclusion Deleted with Sub-Limit of $100,000
  • Property Damage Theft Extension (Excluding Employee Dishonesty) with Sub-Limit of $250,000 and Sub-Deductible of $1,000
  • Premises Liability
  • Medical Payments
  • Lost Key Coverage with Sub-Limit of $2,500 and Sub-Deductible of $250
  • Coverage for New Businesses and Established Businesses
  • Coverage for any size, from One-Person Operation to National Account
  • Non-Owned/Hired Auto Liability Coverage (Maximum Liability Limits $1,000,000 per Occurrence; Employees must carry $100,000 Liability Limits on Personal Auto)
  • Primary Wording Endorsement
  • Waiver of Subrogation Endorsement
  • Excess to $2,000,000/$3,000,000; $3,000,000/$4,000,000; $4,000,000/$5,000,000; $5,000,000/$5,000,000
  • Misc. Property Coverage $50,000 or $100,000 - $500 Deductible
  • Workers’ Compensation (except Alaska and Hawaii)
  • Commercial Auto
  • Property
  • Inland Marine
We normally will issue a quote within 24 hours.
Retail brokers can submit an application for our consideration.

Application Information - Request a Quote

For many of our coverages you can quickly request a quote using our online quick-quote forms. At the bottom of each quick quote form you can indicate the urgency of your request. If you have any questions, please call or email the person indicated in the contact area for this coverage.

NOTE: All applications must be underwritten and a quotation will be issued subject to underwriting guidelines. THE QUOTE DOES NOT BIND COVERAGE.

General Liability E&O Application Form - Quick Quote or PDF

Preferred Method  
Secure Online Quick-Quote ApplicationorPDF Application Form
Available within 24 hours if requested Complete and fax to our office

Requirements to receive coverage: (Not required for Quick Quotes)

- Along with the full application, please fax us the Terrorism Form.

Additional requirements for Agents and Brokers:
  • A signed broker agreement,
  • a copy of your broker/insurance license, and
  • a copy of the declaration page of your E & O Insurance policy

Bond Application Form - Quick Quote or PDF

Preferred Method    
Secure Online Quick-Quote Application or PDF Application Form
Complete online for a faster response   Complete and fax to our office

Commercial Auto Application Form - Quick Quote or PDF

Preferred Method    
Secure Online Quick-Quote Application or PDF Application Form
Complete online for a faster response   Complete and fax to our office

Workers’ Comp Application Form - Quick Quote

To receive a Workers’ Comp quick indication quote, please fill out our online quick quote indication form.

To fully apply for workers’ compensation insurance, please complete Acord 125 and Acord 130 (workers' compensation section), and submit them along with current value loss runs to Karen Metcalf or Sean Nowell.

Additional Available Coverages:

Business Personal Property Application Form - PDF Form

Inland Marine Coverage - Contact our office for application.   Email Us

Online Quick Quote Forms PDF Application Forms
You will need to provide an email address with the Online Quick Quote form. If you do not use email, please use the PDF application form instead.
  • Complete the Online Form
  • Indicate the urgency of your request at the bottom of the form.
  • Click the "Submit" button to send us your request.
To protect your privacy, please DO NOT EMAIL PDF application forms to us.
  • Complete the PDF application forms on your computer.
  • Print the applications
  • Sign the applications
  • Fax the completed form and any other materials to: (760) 471-9378 or (800) 573-8550.

Contact Us

Your AMIS representative is Michelle Nowell. Please call her at
(800) 843-8550 or (760) 471-7116, or email us using the links below.

For all Accident Investigator and Bond Applications:

Contact: Michelle Nowell

For Commercial Auto and Worker’s Comp applications:

Contact: Sean Nowell

Our Experience Benefits You

AMIS President and Founder Bill West began his career in the insurance industry in 1965, and shortly thereafter he started a Private Investigation, Insurance Adjusting, and Third Party Administration business. In 1990 he assembled a professional liability package for specifically for Private Investigation companies. Since that time AMIS has formed and developed excellent working relationships with our insurance providers, and that allows us to provide stable, quality, and affordable insurance coverage to meet your specific need.

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