New York Watch, Guard, or Patrol Agency (WGP) License Practice Exam 2025 - Free WGP License Practice Questions and Study Guide

Providing insurance is not legally required for private investigators, therefore option B is the correct answer. Option A is incorrect because although some private investigators choose to have insurance, it is not a requirement. Option C is incorrect because while some states may have specific insurance requirements for private investigators, not all states have the same laws regarding insurance. Option D is incorrect because the type of investigation does not determine whether or not insurance is required. It ultimately depends on the state's laws and the individual's personal choice.