Professional Insurance Claims & Fraud Investigation Services
Locke & Steele provides professional insurance defense investigation services for insurance carriers, third-party administrators, attorneys, and self-insured organizations. Our investigators conduct workers’ compensation investigations, surveillance, background research, and claims verification to help identify fraud, confirm claim accuracy, and support defensible claim decisions. We deliver clear investigative reports and documented evidence that assist insurance professionals in protecting their organizations from fraudulent or exaggerated claims.
What This Service Includes
Locke & Steele provides comprehensive insurance defense investigations designed to assist insurance carriers, adjusters, and Special Investigation Units (SIU) in evaluating suspicious or high-risk claims. Our investigators gather objective information that helps determine whether claims are legitimate, exaggerated, or potentially fraudulent.
Insurance defense investigation services may include:
- Workers’ compensation surveillance investigations
- Insurance fraud investigations
- Activity checks and subject verification
- Background investigations on claimants
- Social media and online activity analysis
- Recorded or field witness interviews
- Public records and litigation history research
- Evidence gathering, review, and analysis
- Neighborhood canvasses and scene documentation
Our investigators focus on collecting accurate, objective information that supports claim evaluation. By documenting activities, verifying statements, and identifying inconsistencies, we help claims professionals make informed decisions.
Each investigation results in a clear, detailed report supported by video evidence, photographs, and documented observations when applicable. These reports can assist adjusters, SIU teams, and defense attorneys in assessing claims and preparing cases for litigation if necessary.
Who Uses This Service
Locke & Steele’s insurance defense investigation services support a variety of organizations involved in evaluating and defending insurance claims.
Insurance Carriers
Insurance companies rely on investigative services to evaluate suspicious claims, verify injuries, and identify potential fraud.
Special Investigation Units (SIU)
SIU teams frequently work with investigators to conduct surveillance, background research, and field investigations involving questionable claims.
Third-Party Administrators (TPAs)
TPAs handling workers’ compensation and liability claims often require investigative support when claims raise fraud indicators.
Insurance Defense Attorneys
Attorneys representing insurance carriers may require investigators to locate witnesses, verify facts, and gather evidence related to litigation.
Self-Insured Employers
Large organizations that manage their own insurance programs may request investigations to evaluate employee injury claims or suspected fraud.
How the Investigation Works
Every insurance defense investigation begins with a review of the claim and the client’s specific concerns. Our investigators analyze the available information, identify potential fraud indicators, and develop an investigative plan designed to gather relevant facts.
Depending on the nature of the claim, investigators may conduct surveillance operations, background research, witness interviews, or activity checks. We carefully document observations using professional investigative techniques and high-quality video equipment when surveillance is required.
Investigators also review public records, social media activity, employment history, and other available information that may help verify or contradict statements made in the claim.
Throughout the investigation, we maintain detailed records and observation logs to ensure that all information is accurate, properly documented, and defensible. Once the investigation is completed, we provide a comprehensive investigative report outlining the findings and supporting evidence.
These reports allow claims professionals and attorneys to evaluate the results quickly and determine the appropriate next steps for the claim.
Why Choose Locke & Steele
Locke & Steele is a New York State licensed investigative agency with extensive experience conducting investigations related to insurance claims and fraud detection.
Clients choose Locke & Steele because we provide:
- Experienced investigators with insurance investigation expertise
- Professional surveillance and evidence documentation
- Clear investigative reports designed for claims evaluation
- Discreet, objective investigative methods
- Reliable communication with adjusters, SIU teams, and attorneys
Our investigators understand the importance of providing accurate information that supports fair claim decisions and protects insurers from fraudulent activity.
Frequently Asked Questions
An insurance defense investigation involves gathering evidence and information related to an insurance claim in order to verify facts, identify fraud indicators, or support the defense of a claim.
Investigations are often initiated when claims contain inconsistencies, suspicious circumstances, or potential fraud indicators.
Yes. Surveillance is commonly used in workers’ compensation and disability claim investigations to document activities that may contradict reported injuries.
Clients typically receive a detailed investigative report, observation logs, and video or photographic evidence when applicable.
Yes. Investigators often work directly with insurance defense attorneys, adjusters, and SIU teams during claim investigations and litigation preparation.
Contact Locke & Steele
If you need professional insurance defense investigation services, Locke & Steele provides reliable investigative support for insurance carriers, SIU units, attorneys, and claims professionals.
Our investigators help uncover facts, verify claims, and provide the documentation needed to support sound claim decisions.
Contact Locke & Steele today to discuss your insurance investigation needs.