Hire an Insurance Fraud Investigator

Insurance fraud spans every line of business. Investigators on our platform handle the full range:

Workers Compensation

Fraud Workers comp fraud investigator work is among the highest-demand specialties on our platform. Claimant surveillance, AOE/COE investigations, activity checks (sub rosa), and documentation of injuries that contradict claim representations form the core of this specialty. State fraud bureaus and major carriers’ SIU teams source this work through our platform routinely.

Auto and Bodily Injury Fraud

Staged accidents, exaggerated bodily injury claims, fictitious passengers, soft-tissue claims with inconsistent treatment patterns, auto and PIP fraud investigation requires PIs with both surveillance and statement-taking experience.

Property and Casualty Fraud

P&C fraud (arson investigation, theft claim verification, water/fire damage scope review, content claim verification, and commercial liability fraud) requires investigators familiar with adjuster reports and scene documentation.

Disability and Long-Term Disability Fraud

Disability claims, particularly long-term disability and ERISA-covered claims, generate significant fraud exposure. Investigators document claimant activity, social media patterns, and work behavior to verify or refute disability representations.

Healthcare and Medical Fraud

Provider fraud, kickback investigations, billing fraud, and patient harvesting cases require investigators with both medical-claim familiarity and the ability to handle complex multi-party investigations.

Homeowners and Commercial Property Fraud

Suspicious property claims (theft, fire, water damage, vandalism) benefit from independent investigation when adjuster review identifies inconsistencies in claim documentation, prior loss history, or claimant statements.

Life Insurance Fraud

Beneficiary fraud, contestable claim investigation, suicide/accident determination, and disappearance cases involve detailed background investigation, scene work, and documentary research.

Claimant Surveillance

Surveillance (including sub rosa, activity-check, and stationary surveillance) documents claimant behavior over time to verify or refute claim representations. Investigators on our platform document work to chain-of-custody and court-admissibility standards, with timestamped video, contemporaneous reports, and proper notes.

AOE/COE Investigations

Arising Out of Employment / Course of Employment determinations require investigation of workplace circumstances, employment history, and the relationship between alleged injury and claimed work activity. PIs gather witness statements, employer records, and supporting documentation that informs the determination.

Recorded Statements and EUOs

Recorded statements from claimants, witnesses, and third parties and assistance with Examinations Under Oath (EUO) require investigators with formal statement-taking training and an understanding of admissibility standards.

Background Investigations on Claimants

Claimant background investigations reveal prior claim history, civil litigation, criminal history, financial conduct, and patterns that may inform claim handling decisions. Comprehensive backgrounds go far beyond online lookups.

Scene Investigation and Documentation

Loss-scene investigation (photographing, mapping, and documenting the physical location of a claimed loss) supports both claim verification and potential subrogation. Scene investigation is time-sensitive and often the first task ordered on a suspicious claim.

Activity Checks and Sub Rosa Investigations

Activity checks document claimant activity over a defined period; sub rosa surveillance is targeted, covert documentation focused on specific representations the claimant has made. Both require licensed investigators operating within state law on observation and documentation.

Witness Location and Interview

Locating and interviewing witnesses (accident witnesses, employer co-workers, neighbors, family members) provides the testimonial evidence claims handlers need to make accurate determinations.

What’s the difference between an insurance fraud investigator and a general private investigator?

Both must be licensed in their state, but insurance fraud investigators have specialized experience in claims work, SIU procedures, NICB practices, and the specific documentation standards carriers require. Many also hold credentials like Certified Insurance Fraud Investigator (CIFI). Our platform lets you filter by insurance-investigation experience specifically.

Can investigators handle multi-state claims?

Yes. For claims spanning multiple states, we typically match you with a lead PI in your primary jurisdiction plus subcontracted PIs licensed in each additional state. Many carriers use this approach for nationwide programs.

What licensing do insurance investigators need?

Private investigators must hold a valid state-issued PI license in each state where they conduct investigations. Some states also have separate licensing requirements for insurance-specific work. See official PI licensing websites for all 50 US states.

Do investigators handle workers comp surveillance specifically?

Yes. Workers comp fraud is one of the highest-volume specialties on our platform. Investigators experienced in claimant surveillance, activity checks, AOE/COE work, and proper sub rosa documentation handle these cases routinely.

How quickly can a PI start on an urgent claim?

Most claim cases posted on our platform receive qualified proposals within 24 hours, with engagement possible same-day for urgent matters. Surveillance work on suspicious claims can typically begin within 24-48 hours of engagement.

Does the platform support vendor compliance requirements?

Yes. We provide investigator credential documentation, COIs, W-9s, and other vendor onboarding paperwork through the platform — streamlining the process for carriers with formal vendor management requirements.

Is the platform compliant with insurance carrier confidentiality standards?

Yes. All case data, communications, and work product are encrypted and visible only to authorized investigators. The platform meets the confidentiality standards expected for claims work, SIU engagement, and litigation-adjacent investigation.

Browse all frequently asked questions about the platform.