Insurance Claims Investigation Services
Field investigation work for insurance carriers, TPAs, and legal firms operating in the Czech Republic. Every assignment is run by licensed investigators, under Czech trade and data-protection law.
Insurance Fraud Investigation
Independent work on suspected fraudulent claims across bodily injury, disability, motor, property, and liability lines. We combine covert surveillance, open-source research, scene reconstruction, and witness interviews, and hand back a documented evidence file you can use to settle, deny, or refer for criminal prosecution.
Home Visit & Benefits Verification
Field checks on claimant residency, disability status, and day-to-day activity. Investigators do quiet site visits and direct observation, then write up what they saw with photographic documentation for health insurers, benefit administrators, and HR teams.
Workers' Compensation Investigation
Checks on whether a workplace injury claim holds up: activity monitoring, secondary employment reviews, and cross-referencing against the medical record. You get a timeline-based activity report and a summary built for the adjuster or defence counsel.
Corporate HR Claims Investigation
Quiet investigation of internal fraud, false expense claims, misconduct allegations, and background checks on employees. Reports are written for HR leadership, general counsel, or compliance, and are ready to act on.
Litigation Support & Expert Witness
Court-ready evidence files for insurance litigation. OSINT, asset tracing, subject background work, chain-of-custody documentation, and expert witness testimony in Czech civil proceedings.
What You Receive
Frequently Asked Questions
Common questions from insurance carriers, TPAs, and legal counsel evaluating an investigation referral.
Are Exero Claims investigations admissible in Czech civil courts?
Yes. Every assignment is conducted by licensed Czech investigators under the Czech Trade Licensing Act (živnostenský zákon), with a documented chain of custody, GDPR proportionality assessment, and reporting structured for use in Czech civil proceedings. Our senior investigators are available to provide expert-witness testimony.
How fast can you deploy on a high-exposure insurance claim?
Senior intake within 24 business hours of referral. Active surveillance or field verification typically begins within 48–72 hours of file acceptance, depending on jurisdiction, target profile, and the risk picture you have already built.
Do you work directly with insurance carriers, TPAs, and defence counsel?
Yes. We act as an independent third-party investigation firm for Czech and international insurance carriers, TPAs, SIU teams, reinsurers, corporate HR, in-house legal, and external defence counsel. Engagement letters and conflict checks are run before any work begins.
Is surveillance of a claimant legal in the Czech Republic under GDPR?
Surveillance is lawful when there is a documented legitimate interest (Article 6(1)(f) GDPR), the activity is proportionate to the suspected loss, and methods are restricted to publicly observable conduct. Exero Claims records the lawful-basis assessment and proportionality test as part of every file.
What deliverables do we receive at the end of an investigation?
A structured investigation report with executive summary and findings; time-stamped photographs and video where applicable; a documented chain of custody for every exhibit; a GDPR proportionality and compliance record; and expert-witness availability for civil proceedings. Reports are delivered in Czech or English.
Do you operate nationwide across the Czech Republic?
Yes. Coverage is nationwide — Prague, Brno, Ostrava, Plzeň, Liberec, Olomouc, České Budějovice, Hradec Králové, and all regional districts. Field teams are deployed from the nearest hub to keep response time and cost predictable.
Can you handle bilingual files for international insurers and reinsurers?
Yes. The firm operates bilingually in Czech and English end-to-end: intake, fieldwork, witness interviews, evidence handling, and final reports. International reinsurers and group SIU teams receive deliverables in the language they reference internally.
Have a claim that needs verification?
Refer it in confidence. We come back to you within one business day.