When the Claim Is Complex, We Deliver Clarity.

At Investigative Risk Management (IRMI), we don’t just “look into” claims—we dismantle them, layer by layer, until the facts are undeniable.

With thousands of completed investigations and decades of combined law enforcement, military, and financial crime experience behind our team, IRM has built a reputation for uncovering truth across every facet of insurance liability.

Insurance fraud costs the industry billions every year. But here’s what most people don’t realize: the real damage isn’t just financial—it’s systemic. Fraud drives premiums higher, slows legitimate claims, and erodes trust between carriers and policyholders.

That’s why precision matters.

Our investigators specializing in Property & Casualty and Life & Health Disability claims work directly alongside:

• Claims Examiners

• Special Investigation Units (SIU)

• Legal Advisors

• Risk & Compliance Teams

We strategically develop comprehensive investigative solutions that allow you to make informed, defensible decisions.

Every investigation conducted by IRM is PIPEDA compliant, and we adhere to the strictest industry guidelines—because integrity isn’t optional in this business.

Property & Casualty Investigations

High-Stakes Claims Demand High-Level Expertise

When losses are significant, emotions run high—and so does risk exposure.

Catastrophic Loss Investigations

Large-scale property damage claims require immediate, structured investigative response. Our team assesses origin, liability exposure, financial inconsistencies, and policy compliance to provide clear, actionable findings.

When the numbers are large, the margin for error is small.

Suspicious Fire & Arson Investigations

Arson cases are rarely obvious. They’re layered, calculated, and often financially motivated.

Our investigators combine scene analysis, background financial reviews, witness inquiries, and digital intelligence gathering to uncover motive, opportunity, and intent.

We work seamlessly with fire origin specialists and legal teams to support defensible outcomes.

Surveillance Operations

When facts and statements don’t align, documentation matters.

Our surveillance teams operate discreetly and legally, gathering court-ready evidence that clarifies claimant activity and verifies reported injuries or losses.

We don’t speculate. We document.

Social Media & OSINT Research

In today’s world, digital footprints often contradict written statements.

Our Open Source Intelligence (OSINT) specialists uncover:

• Undisclosed employment

• Physical activity inconsistent with injury claims

• Hidden business interests

• Contradictory online statements

Over 90% of investigative intelligence now has a digital component. We know where to look—and how to validate what we find.

Interviews & Inquiries

A properly structured interview can change the direction of a claim.

Our investigators are trained in advanced interviewing techniques that uncover inconsistencies while maintaining professionalism and fairness.

We conduct:

• Claimant interviews

• Third-party inquiries

• Employer confirmations

• Vendor verification checks

Witness Statements & Locates

Witnesses move. Memories fade. Evidence disappears.

IRM conducts professional locates and obtains documented statements that strengthen case files and protect decision-making integrity.

Staged Accident & SIU Investigations

Organized fraud rings don’t rely on luck—they rely on gaps.

Our SIU investigations target:

• Staged motor vehicle accidents

• Coordinated injury claims

• Medical billing irregularities

• Organized fraud networks

We analyze financial patterns, claimant relationships, and historical data to expose systemic fraud indicators.

Examination Under Oath (EUO) Support

Examinations Under Oath can make or break a case.

IRM provides:

• Pre-EUO background analysis

• Financial profiling

• Inconsistency mapping

• Post-EUO investigative follow-up

We help legal teams enter examinations prepared—not reactive.

Fraud Consulting & Financial Background Research

Fraud rarely exists in isolation.

Our financial investigations uncover:

• Undisclosed bankruptcies

• Hidden assets

• Debt exposure

• Shell entities

• Suspicious financial transactions

Understanding financial pressure points often reveals motive.

Life & Health Investigations

Life and health claims require a higher level of empathy, precision, and compliance. We approach these cases with professionalism and respect—without compromising investigative rigor.

Wrongful or Suspicious Death Claims

These investigations demand experience.

IRM conducts structured reviews involving:

• Timeline reconstruction

• Beneficiary analysis

• Financial motive assessment

• Digital footprint review

• Background profiling

We provide fact-based findings that withstand scrutiny.

Specialized Interviews

Disability and health claims often hinge on credibility and consistency.

Our trained investigators conduct structured interviews designed to clarify medical timelines, employment history, and activity levels—while ensuring fairness and legal compliance.

Surveillance & OSINT

Where necessary and legally justified, we conduct surveillance and digital intelligence gathering to confirm or refute inconsistencies in disability or life-related claims.

All investigative activities remain compliant with privacy legislation and industry standards.

Proven Results. Guaranteed Professionalism.

“Investigative Risk Management has successfully completed thousands of investigations, utilizing new and innovative technology. Customer Satisfaction Guaranteed!”

Innovation isn’t optional in modern investigations.

IRM integrates advanced surveillance tools, digital forensic methods, and global intelligence databases to ensure accuracy, speed, and defensibility.

Recovery & Asset Services

Loss recovery is often time-sensitive. Delay reduces recovery rates significantly.

IRM provides specialized recovery services including:

Financial Fraud Investigations

We track transaction trails, analyze financial networks, and identify asset movement patterns to assist in recovery strategies.

Cargo Theft & Location

Cargo theft is increasingly organized and international.

We assist with:

• Asset tracing

• Transportation intelligence

• Cross-border coordination

• Recovery strategy development

Worldwide GPS Tracking Services

Our global GPS tracking solutions allow real-time monitoring and asset protection across jurisdictions.

When assets move, we see it.

Asset Identification

Hidden assets leave trails.

We identify vehicles, equipment, property holdings, and business interests that may be relevant to recovery efforts.

Bond Loss Investigations

Bond claims require precision and documentation.

IRM conducts structured investigations to validate losses, identify liability exposure, and support recovery strategy.

Why Insurance Professionals Choose IRM

Because the wrong decision costs more than the investigation.

Our work protects:

• Financial reserves

• Corporate reputation

• Regulatory standing

• Long-term profitability

We deliver findings—not assumptions.

We provide clarity—not complication.

And we understand the urgency behind every claim file sitting on your desk.

Let’s Strengthen Your Claims Strategy

If you’re managing complex claims, SIU files, catastrophic losses, or potential fraud exposure, now is the time to engage investigators who understand the stakes.

Call today for a confidential consultation.

Because informed decisions don’t happen by accident—they happen by investigation.