Outsourced SIU Services
A fully managed Special Investigations Unit for carriers, TPAs, and corporate risk managers that do not run an in-house SIU — or that need overflow capacity during peak claim volumes. We embed our senior investigators, analysts, and case managers behind your brand, working to your SLAs and reporting standards.
About This Service
Building an in-house Special Investigations Unit is a multi-year investment: licensed investigators, analysts, case management infrastructure, training, GDPR-compliant tooling, and the legal scaffolding to keep evidence court-admissible. For many Czech and international carriers, TPAs, and corporate risk managers writing in the Czech market, the volume of suspected fraud does not justify standing up an internal team — but ignoring those files is not an option either.
Exero Claims runs your SIU function on an outsourced basis. We act as your investigations back office: receiving referrals from your adjusters, running structured red-flag triage, assigning the right specialist, executing OSINT, surveillance, and field verification, and returning a complete, decision-ready file under your case-management workflow. Senior investigators are available for expert-witness testimony when matters proceed to civil litigation.
Engagements range from a fully outsourced SIU for smaller carriers and corporate risk teams, to overflow capacity for established SIU teams during peak periods (motor surge, NatCat events, organised-fraud spikes), to a programmatic review of legacy claim books. Pricing is structured as a monthly retainer with per-case fees or on a pure per-case basis, with SLA-bound turnaround and monthly KPI reporting.
How It Works
- 01
Onboarding and SLA Setup
We map your claims workflow, referral triggers, red-flag matrix, escalation paths, and reporting templates. Engagement letters, NDAs, GDPR data-processing agreements, and SLAs are signed before any file is opened.
- 02
Referral Intake and Triage
Your adjusters refer suspect files via a secure channel. A senior investigator triages each one against the agreed red-flag matrix, scopes a proportionate investigation, and confirms timeline and cost back to your file owner within 24 business hours.
- 03
Casework and Field Execution
The assigned team runs OSINT, covert surveillance, field verification, scene reconstruction, and witness interviews as scoped. All work is conducted under Czech detective-services licensing and GDPR Article 6(1)(f) proportionality.
- 04
Reporting and Case Closure
Each file is returned with a structured investigation report, exhibit index, chain-of-custody documentation, and a recommended next-step (pay, negotiate, deny, refer for criminal prosecution). Reports are delivered in your branded template if required.
- 05
KPI Reporting and Programme Review
Monthly dashboards track referral volume, average cycle time, savings identified, fraud confirmation rate, and SLA performance. A quarterly programme review with your claims leadership recalibrates red-flag rules and resource levels.
Who This Service Is For
What Clients Receive
- Senior case manager as a single point of contact
- Structured red-flag triage on every referred claim
- SLA-bound turnaround on intake, fieldwork, and reporting
- Court-admissible investigation files with chain of custody
- Monthly KPI dashboard and quarterly programme review
- Reports delivered under your branded template on request
Frequently Asked Questions
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View serviceReady to refer a case?
Confidential. Senior investigator review. Response within 24 business hours.