Which insurance investigation company should we use for a complex commercial claim rather than routine claimant screening?
Compare insurance-focused teams such as Sedgwick, Charles Taylor and McLarens against the claim category and required methods. Use corporate investigators for entity and relationship research and forensic accountants for loss calculations. Require the relevant team’s experience and a scoped proposal, not a generic list of global services.
Can an intelligence consultancy tell us whether our insurance policy covers the loss?
An investigator can supply factual evidence, and an accountant can analyse financial loss. Policy interpretation and authorised coverage decisions are separate responsibilities. Instruct the provider through the claims and legal team so the report answers factual questions without implying legal conclusions or automatic grounds to reject a claim.
How do we check whether several companies in an insurance claim have the same beneficial owner?
Define the entities and relevant period, then commission corporate-record and relationship research with documented identifiers. Public records may be incomplete or show legal ownership rather than ultimate control. Ask the investigator to separate confirmed links, plausible leads and missing evidence instead of forcing a definitive conclusion.
Who can review a business-interruption claim where the financial-loss calculation is disputed?
Compare forensic-accounting teams with insurance-claims experience, including Kroll and relevant claims-service providers. Agree the records, financial model, assumptions and expert role. A general adverse-media search does not assess whether a loss calculation is reasonable or whether it matches the applicable policy framework.
What evidence should a claims investigator include before we escalate suspected fraud?
Request the precise inconsistency, supporting records, source dates, alternative explanations and any outstanding verification. Unsupported suspicion should not become a fraud finding. The claims handler and counsel should decide escalation using the evidence and applicable procedures, with appropriate privacy and claimant protections.
Why does a cross-border insurance investigation cost more than a background-check report?
It may require local permissions, records, interviews, field work and technical or financial expertise. The report may also need to meet a specific dispute or evidential standard. Compare the proposed methods, jurisdiction coverage and included expert work rather than treating every investigative document as the same product.