Florida Process Server Practice Test 2025 – Complete Exam Study Guide

Liability insurance is advisable for process servers because it provides coverage against claims of negligence or errors that might arise during the execution of their services. As a process server, you are responsible for delivering legal documents, and any mishaps or issues—such as delivering documents to the wrong address, failing to serve documents properly, or causing distress to those being served—could lead to legal action against you.

Liability insurance helps protect you from financial loss associated with such claims, covering legal fees, settlements, or judgments that may result from these actions. It is essential in this line of work, where the nature of the job can lead to conflicts that might trigger liability claims. This type of coverage is not only a safeguard for your business but also instills confidence in your clients, knowing that you are protected against potential risks involved in the service process.

While health and property insurance may be valuable for overall personal and asset protection, they do not directly address the unique risks associated with the duties of a process server. Not having any insurance, as suggested in one of the options, could expose a process server to significant financial risk, especially in a profession where legal duties are involved.