(a) A private detective agency that employs 5 or more individuals as private detectives shall: (1) maintain commercial general liability insurance, including errors and omissions and completed operations with a $1,000,000 total aggregate; and (2) submit proof of the required insurance to the Secretary. (b) (1) If an applicant for a license intends to employ 5 or more individuals as private detectives, the applicant shall submit proof of the liability insurance required under subsection (a) of this section to the Secretary with the license application. (2) The Secretary may not issue a license to an applicant to whom the insurance requirements of this section would apply unless the applicant submits proof of the insurance. (c) If the insurance required for a private detective agency under this section is canceled, forfeited, or otherwise terminated, both the private detective agency and the insurer shall notify the Secretary. (d) If a private detective agency fails to maintain the liability insurance required under this section, the license of the private detective agency: (1) is suspended automatically; (2) shall remain suspended until the agency complies with the requirements under subsection (a) of this section; and (3) may not be reinstated until the agency submits proof of the required insurance to the Secretary.
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