Insurance Investigator

Job Description

Insurance claims investigators plan and execute investigations into insurance claims related to bodily injury, liability, property damage, medical, worker's compensation and more. They protect insurance companies and policyholders against insurance fraud. Insurance claims investigators work irregular hours, both in an office and out in the field. Suspected cases of insurance fraud are referred to insurance claims investigators by insurance adjusters or examiners. Insurance claims investigators look into the background of claimants, witnesses and anyone else who has made a statement regarding the case, like medical professionals or police officers. They review the circumstances of the case through research, interviews, surveillance and in-person inspections of sites and vehicles, writing reports on their findings.

Careers Ladder


There are no formal educational requirements to become an insurance claims investigator, although most employers prefer candidates with a bachelor's degree. More important is related work experience, usually in law enforcement, law or insurance. Insurance claims investigators may choose to earn state licenses. On-the-job training is common, and insurance claims investigators participate in continuing education opportunities to keep up with new state and federal laws and legal precedents that may influence how insurance claims investigators do their jobs.


  • Analytical
  • Devoted
  • Educated
  • Focused
  • Inquisitive
  • Meticulous
  • Neurotic
  • Organised
  • Procedural
  • Resourceful
  • Technological

Key Skills

  • Performing research and interviewing
  • Examining & Inspecting
  • Estimating
  • Reporting
  • Evaluation

Future Prospects

You may like to think about moving on from this career, some transferable skills can be utilised in roles such as;