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If a private investigator carries a firearm, how much insurance coverage must they have?

  1. $500,000 total

  2. $1 million total, including specific amounts for loss and injury

  3. $1.5 million total

  4. $250,000 for loss and injury

The correct answer is: $1 million total, including specific amounts for loss and injury

The requirement for a private investigator carrying a firearm in California mandates that they have $1 million total in insurance coverage, which must specifically include certain amounts dedicated to losses and injuries. This requirement ensures that private investigators are financially equipped to handle potential liabilities that could arise from the use of their firearms in the course of their investigative duties. By having such coverage, private investigators not only protect themselves but also provide a level of assurance to clients and the public regarding the responsible use of firearms. The inclusion of specific amounts for loss and injury is critical, as it helps address the financial implications of potential incidents that could occur during investigations, reinforcing the accountability and professionalism expected in this field.