Insurance Claims Investigation Services
Exero Claims, the insurance claims investigation division of Exero Group s.r.o., provides 16 services in three groups: claims investigation, compliance and specialist services. They support insurance carriers, third-party administrators, self-insured organizations, public-sector organizations and international insurers and claims professionals with matters in the Czech Republic.
Claims investigation establishes the facts of a claim; compliance services verify continuing claimant, beneficiary and employee circumstances; specialist services support underwriting, litigation and SIU capacity. Services are selected according to the needs of each assignment. How assignment works · Who we serve
Claims Investigation
Investigation and verification of the facts of insurance claims, including surveillance, online research, scene documentation, witness statements and fraud investigation.
Insurance Claims Investigations
Factual investigation of insurance claims in the Czech Republic for insurers, TPAs and claims professionals, with written reporting of investigative findings.
View ServiceSurveillance & Activity Verification
Claims surveillance in the Czech Republic documenting activity relevant to an insurance claim, reported with dates, times and photographs or video where obtained.
View ServiceBackground & Prior Claims Investigations
Background and prior claims research for insurance claims in the Czech Republic, with reports separating confirmed from unverified information.
View ServiceOSINT & SOCMINT Investigations
OSINT and social media research for insurance claims in the Czech Republic, reviewing only publicly available information and documenting relevant findings.
View ServiceScene Investigations
Scene investigations for insurance claims throughout the Czech Republic, including scene documentation, photographs, local enquiries and witness identification.
View ServiceWitness Interviews & Recorded Statements
Witness interviews and recorded statements for insurance claims throughout the Czech Republic for insurers, TPAs and international claims professionals.
View ServiceInsurance Fraud Investigations
Czech Republic investigation of claims with suspected misrepresentation or material inconsistencies. Exero Claims reports facts; the client decides on fraud.
View ServiceCompliance
Verification of claimant, beneficiary and employee circumstances in sick leave, disability, benefits, alive and well, and workplace injury matters.
Compliance Services
Overview of Exero Claims compliance services in the Czech Republic: compliance visits, sick leave visits, disability verification and Alive & Well visits.
View ServiceCompliance Visits
In-person compliance visits in the Czech Republic to obtain and document client-specified information about a claim, benefit or absence matter.
View ServiceSick Leave Compliance
Sick leave visits in the Czech Republic for self-insured and public-sector organizations, recording the date, time and outcome of each visit.
View ServiceDisability & Benefits Verification
Factual verification for ongoing disability and benefit claims in the Czech Republic. Medical, eligibility and benefit decisions remain with the client.
View ServiceAlive & Well Visits
Alive & Well visits in the Czech Republic confirming in person whether contact was made with an insured, claimant or beneficiary, with a factual report.
View ServiceWorkplace Injury & Occupational Claims Investigations
Investigation of workplace injury and occupational claims in the Czech Republic: incident circumstances, statements and ongoing claim facts, reported factually.
View ServiceSpecialist Services
Investigative support for underwriting, insurance-related litigation and SIU capacity.
Underwriting Due Diligence
Underwriting due diligence and verification in the Czech Republic for insurers requiring background research, corporate checks, OSINT and field verification.
View ServiceLitigation Support
Factual investigative support for insurance claims in litigation in the Czech Republic. Legal strategy remains with the client; admissibility with the court.
View ServiceOutsourced SIU Services
Outsourced SIU support in the Czech Republic for insurers and TPAs: individual referrals or continuing investigative support under the client's own procedures.
View ServiceWhat You Receive
Frequently Asked Questions
Common questions from insurance carriers and TPAs evaluating an investigation referral. More answers are in the central FAQ.
Can Exero Claims investigations be used in Czech civil proceedings?
Investigation reports and supporting documentation are prepared to support insurance claims, civil proceedings and related litigation where appropriate. Investigations are conducted for an identified purpose and with regard to applicable Czech and EU privacy and data protection requirements. The admissibility and evidentiary weight of evidence are 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.
How fast can you deploy on a high-exposure insurance claim?
Deployment timing depends on assignment requirements, location and investigator availability. Urgent assignments can be discussed at the time of referral.
Do you work directly with insurance carriers and TPAs?
Yes. Exero Claims works directly with Czech and international insurance carriers, TPAs and SIU teams, self-insured businesses and organizations, and government and public-sector organizations. Assignment requirements, scope and authorization are reviewed before investigative work begins.
Is surveillance of a claimant legal in the Czech Republic under GDPR?
Surveillance assignments are conducted for an identified purpose and with regard to applicable Czech and EU legal, privacy and data-protection requirements. Whether a particular activity is lawful depends on its circumstances, including its purpose, proportionality and the methods used. Assignment requirements, scope and authorization are reviewed before investigative work begins.
What deliverables do we receive at the end of an investigation?
A structured investigation report with a summary and findings; photographs and video where applicable and lawful; relevant data-protection and investigation documentation, where applicable; and investigator testimony regarding investigative work and factual findings, where appropriate. Reports are delivered in Czech or English.
Do you operate nationwide across the Czech Republic?
Yes. Assignments can be carried out throughout the Czech Republic, for example in Prague, Brno, Ostrava or Plzeň, as well as in other regions. Assignments are coordinated according to the location, investigative requirements and available resources. Scope, timing and anticipated costs can be discussed before fieldwork begins.
Can you handle bilingual files for international insurers?
Investigative work can be conducted locally in Czech. Reporting for international clients can be provided in English.
Have a claim that needs verification?
Refer it in confidence through the Assignment Portal, or contact us to discuss the matter.
