insurance investigations

SIU & Insurance Case Support

We provide structured, research‑driven online reviews that help SIU teams, claims units, and carrier legal departments develop clear, defensible context around an individual before moving forward with a claim, investigation, or litigation decision.

All work is non‑FCRA, digital‑only, and based on publicly available information and credentialed investigative databases. No surveillance, no field operations, no pretexting.

How This Supports SIU & Claims Operations

  • Confirms identity, online presence, and digital footprint

  • Highlights publicly observable behavior and risk indicators

  • Identifies inconsistencies or contextual factors relevant to a claim

  • Supports early‑stage claim validation and fraud‑indicator development

  • Provides structured background context for litigation or counsel review

  • Helps SIU teams make informed decisions while staying within legal boundaries

Common SIU Use Cases

Claims Review & Early‑Stage SIU Triage

Online activity and digital‑footprint reviews that help validate claims, identify inconsistencies, or provide contextual background for escalation decisions.

Background Development for Litigation Support

Structured, neutral background findings designed for downstream legal review. Public‑source and credentialed‑database information only.

Identity Verification & Pattern‑of‑Life Indicators

Digital‑only identity confirmation, online behavior review, and publicly observable lifestyle indicators relevant to claim context.

Vendor / Contractor Due Diligence (Carrier‑Side)

Structured online findings to help carriers assess risk before onboarding vendors or contractors.

General SIU Desktop Investigations

Research‑driven reviews supporting SIU case development without field operations.

What You Can Expect

  • Clear, structured, attorney‑safe findings

  • Public‑source and credentialed‑database information only

  • No credit checks

  • No regulated screening systems

  • No surveillance or pretexting

  • Work designed to support SIU and legal decision‑making within regulatory boundaries

Regulatory & Compliance Notes (Insurance‑Specific)

Licensing & Business Information

  • OverWatch Digital Investigations, LLC

  • Washington State Private Investigator Agency License: 26004166

  • Founded February 20, 2026

  • Desktop‑only investigations (no field operations)

  • Western Washington–based; remote statewide support

Insurance

  • General Liability: Active

  • Professional Liability / E&O: Activated immediately upon carrier request during vendor onboarding (Standard for early‑stage, research‑only PI agencies.)

Data & Methodology Compliance

  • Non‑FCRA

  • No credit checks

  • No regulated tenant‑screening systems

  • No pretexting or misrepresentation

  • Publicly available information + credentialed investigative databases only

  • Reporting structured for SIU, claims, and counsel review

  • Neutral, defensible, and traceable methodology

Documentation Available for Carrier Vendor Onboarding

  • W‑9

  • COI (General Liability; E&O activated as needed)

  • WA PI Agency License

  • Business registration

  • Resume / CV

  • Sample redacted report

  • Rate sheet (if required)