Insurance Fraud and Claims Investigation in Florida

Licensed Florida agency A3400127 · Investigator C3400073 · Veteran-led, 12 years Army military intelligence · Phone answered 24 hours a day, seven days a week · Silver, Best Private Investigator, Bradenton’s Best 2025

Insight Investigative Group, LLC is a licensed Florida private investigative agency, agency license A3400127, supporting carriers, third party administrators, self insured employers and defense counsel across Bradenton, Sarasota, Tampa, St. Petersburg and Clearwater. Surveillance is $1,000 per day flat and claim investigations are quoted per file.

What we handle

Workers compensation claim investigation, including activity checks and sustained surveillance. AOE and COE investigations establishing whether an injury arose out of and in the course of employment. Recorded statements from claimants, witnesses and employers. Scene investigation and documentation. Nationwide skip tracing for claimants who have become unreachable. Social media and open source analysis. Prior claim and litigation history.

How we approach a suspect claim

The objective is documentation, not a predetermined outcome. A surveillance day that shows a claimant behaving entirely consistently with their stated restrictions is a useful result, and we report it exactly that way. Carriers who receive only the findings they hoped for are being told a story rather than given evidence.

Video is timestamped and logged as captured, with a written chronology of observed activity. Reports are structured to be read alongside the medical restrictions in the file, because the question is almost never whether someone left the house. It is whether what they did is consistent with what they reported.

Documented to evidentiary standards

Our work is prepared to survive a defense medical examination, a deposition, a mediation and a hearing, and the investigator who conducted it can speak to what he observed. Chain of custody is maintained on all recorded media.

What we will not do

We do not misrepresent ourselves to obtain a statement. We do not record private conversations, which section 934.03 of the Florida Statutes prohibits without the consent of all parties. We do not trespass. We do not place tracking devices on claimant vehicles, which section 934.425 prohibits without consent. Investigations conducted otherwise hand claimant counsel the case.

Also available

Fraud awareness and red flag training for claims staff and SIU teams, and consultation on whether a file justifies the cost of surveillance before the assignment is opened. That second conversation has closed files without an assignment more than once, which is the point of having it.


Claims investigation questions, answered

How much does a workers compensation surveillance day cost?

Surveillance is $1,000 per day, flat, including unlimited mileage and travel, timestamped video and stills, and a written chronological activity log. Claim investigations that do not involve surveillance are quoted per file.

What is an AOE COE investigation?

AOE COE stands for arising out of employment and course of employment. It establishes whether a claimed injury actually happened at work and in the course of the claimant’s duties, through recorded statements from the claimant, witnesses and the employer, scene documentation, and review of prior claim history.

Will the report say what we want it to say?

No, and you should not want it to. The report documents what was observed, including observations that support the claimant. A file that only ever produces adverse findings is not an investigation, and claimant counsel will make that point before you do.

Can you take a recorded statement from a claimant?

Yes. Recorded statements from claimants, witnesses and employers are a standard part of claim investigation. We identify ourselves accurately and we do not misrepresent who we are to obtain one, because a statement obtained by pretext is worth less than no statement at all.

Do you handle claims outside the Tampa Bay area?

Yes. The agency is based in Bradenton and works Manatee, Sarasota and Hillsborough counties routinely, and takes assignments statewide in Florida where a file requires it. Nationwide skip tracing is available for claimants who have become unreachable.


Ask an investigator

Confidential case review for carriers, third party administrators, self insured employers and defense counsel.

Call and a licensed investigator answers, day or night, including weekends. Written enquiries are answered within 48 hours.