Background Checks & Asset Investigations
Claimant Backgrounds and Asset Searches for Insurance.
Insurance-grade background investigations on claimants, and asset searches for subrogation, post-judgment recovery, and pre-litigation screening. FCRA and GLBA-compliant, integrated with ISO ClaimSearch and CLUE, and delivered to the carrier reporting standards your adjusters and counsel expect.
- FCRA
- Compliant Reporting
- GLBA
- Compliant Asset Searches
- ISO / CLUE
- Prior-Claims Integration
- Nationwide
- Field & Database Coverage
The Background the File Needs. The Assets the Recovery Needs.
Carriers, TPAs, and defense counsel often need two kinds of research on the same file. During the claim: claimant background covering criminal, civil, prior claims, employment, address history, and social media. At recovery: asset investigation covering real property, entity ownership, hidden assets, and skip trace. We deliver both, with FCRA- and GLBA-compliant reporting integrated with the databases your carrier already uses.
Claimant Background Investigations
Insurance-grade background on claimants: criminal, civil, bankruptcy, judgments, liens, driver history, professional licenses, and prior claims history. Live verification included where it matters.
Asset Searches & Post-Judgment Recovery
Real property, entity ownership, vehicles, vessels, aircraft, and UCC filings. Used for subrogation, judgment recovery, and pre-litigation asset screening.
Hidden & Offshore Asset Investigations
LLCs, trusts, shell companies, fraudulent transfers, offshore holdings, and cryptocurrency tracing. Forensic accounting support for matters where assets were moved to evade collection.
Skip Trace & Witness Locate
Locating claimants who have moved, silent witnesses, missing heirs, absconded debtors, and next-of-kin. Current address verification and service of process support included.
Social Media & OSINT Investigation
Open-source intelligence on claimants: Facebook, Instagram, LinkedIn, TikTok, X, YouTube, Reddit, and dating apps. Findings are authenticated, preserved, and tied to claim representations.
Business, Ownership & Payroll Investigations
Secretary of state, DBA, UBO/beneficial ownership, shell company, ghost-employee, misclassification, and premium-audit investigation for underwriting and fraud recovery.
Carrier-Grade Reporting. Permissible-Purpose Everything.
Compliance is not optional in insurance investigations. A background or asset report developed outside permissible purpose, or that violates FCRA or GLBA, is worse than no report at all. We stay within the rules, and our reporting keeps your file defensible through denial, litigation, and regulatory review.
How We Operate
FCRA-Compliant Background Reporting
When a report is used for underwriting, employment, or any Fair Credit Reporting Act purpose, we produce FCRA-compliant deliverables with proper permissible-purpose documentation.
GLBA-Compliant Asset Search
Financial institution identification and asset work is conducted under Gramm-Leach-Bliley Act permissible-purpose rules. No pretexting, no illegal financial-record access.
ISO ClaimSearch, CLUE & NICB
Prior claims history, CLUE reports, and NICB ForeWarn are a baseline on every claimant investigation where the carrier subscribes, combined with independent litigation and court-record searches.
Multi-State & Nationwide Coverage
Licensed field investigators in CA, NV, AZ, OR, ID, UT, and FL, plus a vetted national network for background verification and asset confirmation that requires boots on the ground.
Insurance Clients We Serve
Carriers, TPAs & MGAs
Claimant backgrounds, prior-claims research, asset investigation for subrogation, and underwriting due diligence, integrated into the claim file format your adjusters use every day.
Defense Counsel & Subrogation Attorneys
Pre-litigation asset screens, post-judgment recovery, witness locate, and background profiles supporting discovery, deposition prep, and collection strategy.
Self-Insured Employers & Captives
Independent background and asset work for self-insured employers, captives, and large corporate risk programs, including fraud recovery and restitution support.
Why Encyphir?
- Licensed investigators nationwide
- FCRA and GLBA-compliant reporting
- CFE-credentialed forensic accounting support
- Carrier-format deliverables your file can absorb
Background & Asset Investigation Resources
- Claimant Background Investigations for Insurance
- Asset Searches for Subrogation and Post-Judgment Recovery
- Hidden Assets: Trusts, Offshore, and Cryptocurrency
- Skip Trace and Witness Locate for Insurance
- OSINT for Insurance Underwriting and Claims
- Social Media Background Checks on Insurance Claimants
- Undisclosed Employment and Gig Work Investigations
- Prior Claims and Litigation History in Insurance
- Business Ownership and Shell Company Investigations
- Address and Residency Verification for Rate Evasion
- FCRA and GLBA Compliance for Insurance Investigations
- Nationwide and Multi-State Insurance Investigations
Request a Free Consultation
Fill out the form and we'll reach out via your preferred contact method within 24 hours.
- Licensed & insured investigators
- All inquiries are strictly confidential
- No obligation - just answers
- Available for emergency consultations
For emergency or expedited services,
please call us directly:
(888) 965-5150
Other Services
Frequently Asked Questions
What does a claimant background investigation include?
Insurance-grade claimant backgrounds cover criminal, civil, bankruptcy, judgments, liens, driver history, professional licenses, and prior claims history, with live verification included where it matters. Social media and OSINT findings are authenticated, preserved, and tied to claim representations.
Are your background and asset searches FCRA and GLBA compliant?
Yes. When a report is used for underwriting, employment, or any other FCRA purpose, we produce FCRA-compliant deliverables with proper permissible-purpose documentation. Financial institution and asset work is conducted under GLBA permissible-purpose rules; no pretexting and no illegal financial-record access.
Can you find hidden assets for subrogation or post-judgment recovery?
Yes. We investigate LLCs, trusts, shell companies, fraudulent transfers, offshore holdings, and cryptocurrency, with forensic accounting support for matters where assets were moved to evade collection. Standard searches cover real property, entity ownership, vehicles, vessels, aircraft, and UCC filings.
Can you locate a claimant or witness who has disappeared?
Yes. Our skip trace and witness locate work covers claimants who have moved, silent witnesses, missing heirs, absconded debtors, and next-of-kin. Current address verification and service of process support are included.
How do I order a claimant background or asset report?
Call or text us 24/7 at (888) 965-5150 or request a free confidential consultation and we will scope the work. We have licensed investigators in all 50 states and every U.S. county, and most cases can start within 24 to 48 hours.
Background or Asset Report Needed?
Whether you need a claimant background to support the next adjuster decision, or a full asset search for subrogation or post-judgment recovery, we'll scope it, run it compliantly, and deliver a report your file can use.