Workers Comp Claims & Fraud

Insurance Defense

When an employee is injured on the job site, he or she may have a legitimate claim for workers comp. It’s good and right for companies to pay out these claims, though doing so can incur some costs and/or some increases to insurance rates. These claims become problematic when they are filed fraudulently, by workers trying to game the system. Paying out on fraudulent claimscan be immensely wasteful, so it’s in the employer’s best interest to investigate each claim to ensure that it is valid.

NBI is proud to offer workers comp investigation services, wherein we help employers evaluate the available data and make fair and equitable decisions regarding potential claims. We can help employers avoid paying out on invalid claims, potentially saving them thousands of dollars in the process. Additionally, our services provide employers with the peace of mind that their workers comp system is not being exploited or taken advantage of unjustly.

If you have concerns about the validity of a particular workers comp claim, or simply want to put due diligence processes in place to protect your business, we invite you to contact the investigative team at NBI at your next convenience.

AOE/COE Investigations

Workers comp investigations are sometimes abbreviated as AOE (Arising Out of Employment) or COE (Course of Employment) investigations—basically, efforts to ensure that the alleged injury actually happened on the job site, as part of the employee’s workplace duties.

That’s a big part of the service we provide at NBI. In handling any AOE/COE claim, we evaluate all the potential factors involved in the injury, and we always tailor our investigation to meet the client’s needs. This might mean simply assessing the claimant’s statement, or it might mean collecting testimonies from supervisors, co-workers, or other witnesses to the alleged accident. We may also collect signed medical releases as needed.

Our investigators understand that timing is key. We know that employers have limited windows in which to make decisions regarding these claims, and our team will always complete the investigation and file a full report, including key attachments, within 30 days.

National Business Investigations (NBI) uses a cloud-based case management system.  All clients are given access and are asked to create a unique User ID and Password - NBI's secure online case tracking system allows you access to your internal investigation data such as reports, statements, activity, billing information, photographs and video, right from your office computer.


National Business Investigations AOE/COE Report Topics

We know that, in order to satisfy the needs of your insurance policy, precise and detailed reporting is required—and our investigators are truly robust in the information they deliver. The reports we provide always include a full spectrum of information, such as:

  • Claimant information
  • Occupation and duties
  • Notice of alleged injuries
  • Coverage
  • Concurrent employment
  • Information about the claimant’s lawyer
  • Statements from supervisors and witnesses
  • Photographs
  • Claimant statement
  • Date/location of alleged incident
  • Medical history and treatment
  • Benefits applied for or received
  • Our final recommendations regarding the case

All of this information is uploaded to a secure, cloud-based server, allowing the client to quickly and easily log in to view updates on any outstanding investigations.



Approached as a multi-step process, we gather intelligence on the claimant by equating their age, family dynamics, profession and employment history, and studying the general layout of the claimant's neighborhood and surrounding area. Although it is a welcomed element, Subrosa is not about being lucky. It is about knowing your subject and having a plan of action. In gathering video evidence, we remain mindful of the thrust of our investigation and identify and obtain whatever evidence is available to be used in adjudication. NBI has a reputation for excellence in the acquisition of video in both content and quality. Claimant video will be provided to you in standard VHS, Compact Disc or DVD format based on your preference.


Workers Comp Investigations from NBI

The investigation of workers comp claims requires thoroughness, speed, and precision—all of which makes it beneficial to hire trained professionals.

NBI is a leading private investigation company with decades of experience handling workers comp cases. Our investigators receive a higher standard of training than anyone else in the industry, and for that reason we’ve become the trusted investigative partner for companies in California and across the country.

No matter how specific your workers comp investigation needs happen to be, our team is ready to provide you with customized solutions. Learn more about the benefits in hiring an industry-leading workers comp investigation service—and put workers comp fraud behind you. Reach out to NBI today.


Workers Comp Fraud | AOE/COE | Subrosa | Private Investigations

Insurance Defense | Insurance Adjuster | Self Insured

National Business Investigations, Inc. - Areas of Operation

National Business Investigations, Inc. (NBI) provides investigative services in California, Colorado, Nevada, Washington, Texas Arizona and Florida.  However, through our strategic partnerships we can provide services throughout the United States.  NBI also operates internationally for particular services and support.

NBI employs highly skilled investigators in California, Nevada, and Florida.  We operate heavily in San Diego County, Riverside County, Orange County, Los Angeles County, and San Bernardino County and maintain a network of investigators throughout California, Nevada, and Florida.  Our main corporate office is located in Murrieta, California.  The Murrieta and Temecula areas are growing business and industrial hubs of Southern California and allows NBI to effectively offer investigative services to the Southwest Region of the United States.

California | Colorado | Nevada | Florida

San Diego County | Riverside County | Los Angeles County | Orange County

San Bernardino County | San Francisco County | Clark County | Miami-Dade County

Murrieta | Temecula | Riverside | San Diego | Los Angeles | San Francisco | Seattle | Miami | Las Vegas

CA PI Lic # 21463 | NV PI Lic # 1383 | FL PI Lic # A1200285

Security Services

MPS Security, a division of National Business Investigations, Inc. (NBI), is a full-service security firm currently licensed in California, Colorado, Washington, Arizona, Nevada, Texas and Florida focused on physical and asset security using Uniformed Security Officers and Plain Clothes Executive Protection Agents for site security, events, residential and commercial properties, access control, security patrols, loss prevention, fraud detection and undercover officers.

MPS Security specializes in providing high-end security services such as Hostile Termination Protection, Reduction in Workforce Security, Labor Union Unrest and Strike Security, Asset Protection, Personal Protection, Estate Security, Corporate Event Security, and Risk and Threat Management Services throughout the US.

We focus on client outcomes by providing professional Uniformed Security Officers and Plain Clothes Executive Protection Agents that enhance security and safety at residential, retail and workplace environments.  Our trained staff and officers focus on your needs to provide a custom security plan.  We will staff your location with officers and agents that understand the unique nature of your security concerns and vulnerabilities in your home and work environment.  Let us show you how MPS Security can make a difference for you.

MPS Security Areas of Operation

MPS Security provides Uniformed Security in four Western States (California, Arizona, Nevada, Washington), Texas, Colorado and Florida, however through our strategic partnerships we can provide services throughout the United States.  MPS Security also operates internationally for particular services and support.

Though our main operational is based in Southern California and operate heavily in San Diego County, Riverside County, Orange County, Los Angeles County and San Bernardino County, MPS Security maintains uniformed security and executive protection operations in multiple states.  Our corporate headquarters is located in Murrieta, California.  The Murrieta / Temecula area is a growing business and industrial hub of Southern California and allows MPS Security to effectively offer uniformed security coverage to the Southwest Region of the United States for Guard Services, Uniformed Security Officers, Security Guards, Armed Security, Unarmed Security, Site Security and Event Security.

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