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.
Background & Asset Investigations
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.
Compliance & Access
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 ReportingWhen 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 SearchFinancial 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 & NICBPrior 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 CoverageLicensed 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.
Who We Support
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
From Our Blog
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
Surveillance Operations
Covert and overt surveillance using professional equipment and proven tradecraft. Court-admissible video and photo documentation.
Background Investigations
Comprehensive screening with live interviews, credential verification, and proprietary source access beyond standard database searches.
Digital Forensics & OSINT
Computer, mobile, and online evidence investigation following strict chain-of-custody protocols for court admissibility.
Security Consulting
Corporate and residential security assessments, threat mitigation planning, and personnel risk management.
Training Services
Active shooter response, de-escalation, SB 553 workplace violence prevention, and First Aid certification.
Due Diligence
Pre-acquisition and business partner investigations combining database research, live interviews, and on-the-ground verification.
For Law Firms
Litigation support, witness location, evidence gathering, and expert testimony for attorneys and law firms.
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.