HOLD HARMLESS VRS provides an added layer of insurance protection which reduces the risk to its clients to the lowest possible level.  VRS’s insurance coverage is specific to this industry and underwritten by A+ insurance carriers. In addition to VRS’s multimillion dollar insurance policies, all of our managed repossession partners must provide the proper limit for workers compensation, general liability including wrongful repossession, comprehensive general liability, employer’s liability and garagekeepers liability. In addition to VRS’s multimillion dollar insurance policies, all of our managed repossession partners must provide the proper limit for workers compensation, general liability including wrongful repossession, comprehensive general liability, employer’s liability and garagekeepers liability. Hold Harmless is included in our standard agreement, including confidentiality and nondisclosure agreements.  We are subject to regulation by several laws, including the Fair Debt Collection Practices Act, Fair Credit Reporting Act, the Federal Trade Commission’s Privacy Rule (CFR part 313 of 2000), and by the G-L-B Act of 1999.  Education on these regulations is an ongoing process and compliance is mandatory. But, doesn’t it all come down to integrity and using good sense?  We think so.  Selecting the most experienced investigators, keeping them up to date on federal regulations, and requiring integrity and good sense is worth as much as all of the insurance we could buy; but, just in case – we have you covered.