Frequently Asked Questions for Insurance Clients

Assignments can be submitted through the Exero Claims Assignment Portal at https://assignments.exeroclaims.cz. Each assignment is reviewed before work begins, and the scope is confirmed if it is accepted.

Insurance carriers, third-party administrators (TPAs), SIU teams, self-insured organizations and risk managers, government and public-sector organizations, and international insurers and claims professionals. We do not accept work directly from individual claimants in matters where we may be retained by the insurer or other instructing client.

Each new referral is reviewed to determine the appropriate scope and handling of the requested investigation. Assignment requirements, scope and authorization are reviewed before investigative work begins. Timing depends on assignment requirements; urgent assignments can be discussed at the time of referral.

Assignment requirements, scope and authorization are reviewed before investigative work begins. Confidentiality terms, NDAs and other contractual arrangements requested by carriers, TPAs or other instructing clients can be discussed at the time of referral.

Claims that require factual investigation or verification, including suspected fraudulent or exaggerated claims, across personal injury, disability and long-term sick leave, workplace injury and occupational claims, motor and bodily injury, property and contents, business interruption, life and accident, and travel. Litigation support is also available for insurance-related disputes.

Both, depending on the assignment. Services include surveillance and activity verification, compliance and benefits verification visits, witness interviews and recorded statements, OSINT and SOCMINT research, and background and prior claims research. The approach is matched to the purpose and scope of the assignment.

Our investigative capability covers the Czech Republic, with operations based in Prague. Where an assignment involves another country, coordination of appropriate cross-border work can be discussed where available.

It depends on the circumstances. Surveillance must have a legitimate purpose, be proportionate and comply with applicable Czech and EU legal, privacy and data-protection requirements; scope and authorization are reviewed before work begins. We do not enter private dwellings, intercept communications, or use unlawful technical means. Investigations are conducted for an identified purpose and with regard to applicable Czech and EU privacy and data protection requirements.

Investigation reports and supporting documentation are prepared to support insurance claims, civil proceedings and related litigation where appropriate. Admissibility and evidentiary weight are ultimately determined by the applicable court or authority. Where appropriate, investigators can give testimony limited to the investigative work performed, their factual observations, findings and documentation. Testimony is not guaranteed in every matter, and investigators are not presented as expert witnesses.

Investigations are conducted for an identified purpose and with regard to applicable Czech and EU privacy and data protection requirements, including the GDPR and Czech Act No. 110/2019 Coll., on the Processing of Personal Data, where applicable. Further information is provided in our Privacy Policy and GDPR Notice.

Exero Claims is the insurance claims investigation division of Exero Group s.r.o., which holds the applicable Czech trade authorization for detective services (koncesovaná živnost Služby soukromých detektivů) under the Czech Trade Licensing Act.

Exero Claims is the insurance claims investigation division of Exero Group s.r.o. It is not a separate legal entity.

Deliverables depend on the assignment and may include a written investigation report with a summary and findings, a description of the investigative work performed, photographs and video where applicable, and relevant data-protection and investigation documentation, where applicable. Reports can be provided in Czech or English.

Interim updates can be agreed at the time of referral, so claims handlers and counsel can be kept informed as the assignment progresses.

Yes. Investigative work can be conducted locally in Czech. Reporting for international clients can be provided in English.

Fees depend on the scope, complexity and location of the assignment. Scope, timing and anticipated costs can be discussed before fieldwork begins.

No. To preserve the independence of our findings, we do not accept contingency or success-fee structures. Fees are based on time, scope, and disbursements, regardless of the investigative outcome.

All assignments are treated as confidential. Information about an assignment, its subject and its findings is shared only with the client's designated contacts and those working on the assignment, except where disclosure is required by law.