As a non-profit organization, the National Society of Professional Insurance Investigators was formed in 1983. The purpose of the Society is to provide the recognition, encouragement, and support to individuals who demonstrate the highest degree of professionalism in conducting insurance investigations.
A few years after its first meeting, the Society added "National" to its name. This change was the foundation of national involvement in the organization. Through the Society's cooperative relationship with the insurance industry, governmental units and agencies, community leaders and related organizations, its members work to educate the insurance community regarding fraud recognition and prevention.
The Society further serves as a catalyst in the collection and dissemination of the most up-to-date investigative ideas, procedures, and techniques. Membership of the Society consists of investigators, adjusters, accountants, and attorneys. To date, there are hundreds of members across the country. Besides the National, there are several state chapters and others currently being formed.
Founded in 1984 by a group of insurance industry fraud investigators, the International Association of Special Investigation Units (IASIU) is a non-profit organization dedicated to:
Promoting a coordinated effort within the industry to combat insurance fraud;
Providing education and training for insurance investigator;
Developing greater awareness of the insurance fraud problem;
Encouraging high professional standards of conduct among insurance investigators; and
Supporting legislation that acts as a deterrent to the crime of insurance fraud.
In 2016, the Division of Insurance Fraud merged with the Division of Fire and Arson Investigations and the Office of Fiscal Integrity and became the Division of Investigative and Forensic Services (DIFS). The Division’s purpose is serving and safeguarding the public and businesses operating in the State of Florida against acts of fraud, arson and the misuse of state funds. The Division encompasses all law enforcement and forensic components residing within the predominantly civilian Department of Financial Services. With this broad responsibility, the division investigates a wide range of fraudulent and criminal acts including:
- Insurance fraud investigations, including:
- Insolvency – fraud committed by insurance companies that fail financially due to internal fraud by owners and corporate officers
- Unauthorized entities – fraud, both criminal and civil, committed by insurance companies, agencies, or agents operating illegally in the state
- Healthcare – fraud involving organized medical and healthcare scams
- Workers’ compensation fraud investigations
- Fire, arson and explosives investigations
- Theft/misuse of state funds
- Fire and explosives sample analysis
For fiscal year 2016/2017, the Division received 16,315 tips, which resulted in – criminal investigations, 1,174 cases presented for prosecution, 1,101 arrests, and 1,109 successful prosecutions. For more information, the Division’s Annual Report can be accessed at:
The Department of Financial Services (DFS) is headed by the Chief Financial Officer (CFO), who is elected every four years and is a member of the Florida Cabinet. Jimmy Patronis was elected to the position of CFO in November of 2018. The Director of the Division of Investigative and Forensic Services, Simon Blank, was appointed by the Chief Financial Officer in September 2013; and he is assisted by Deputy Director Ernie Stoll. The operations of the Division are carried out by three bureau chiefs heading the Bureau of Insurance Fraud, Bureau of Workers’ Compensation Fraud, and the Bureau of Fire, Arson, and Explosive Investigations. The State is divided into two districts overseen by majors, six regions managed by captains, and 23 squads supervised by lieutenants. The Division includes over 150 detectives, who are sworn law enforcement officers, with the ability to make arrests, conduct searches and seizures, and investigate all types of insurance fraud.
The Division of Investigative and Forensic Services is an accredited law enforcement agency, recently receiving it’s third standards accreditation from the Commission for Florida Law Enforcement Accreditation, Inc.
Insurance companies doing business in Florida must report suspected fraud to the Division. Citizens of the state of Florida may receive a reward of up to $25,000 for information leading to a conviction in insurance fraud cases.
With a 100-year heritage, the National Insurance Crime Bureau (NICB) is the nation's premier not-for-profit organization dedicated exclusively to fighting insurance fraud and crime, and is the only organization in the United States that convenes the collective resources needed to prevent, detect and deter these crimes.
The NICB was formed in 1992 from a merger between the National Automobile Theft Bureau (NATB) and the Insurance Crime Prevention Institute (ICPI), both of which were not-for-profit organizations. The NATB – which managed vehicle theft investigations and developed vehicle theft databases for use by the insurance industry – dates to the early 20th century, while the ICPI investigated insurance fraud for approximately 20 years before joining with the NATB to form the present National Insurance Crime Bureau.
Today, our membership includes nearly 1,100 property and casualty insurance companies, vehicle rental companies, auto auctions, vehicle finance companies, self-insured organizations and strategic partners.
Beyond our membership, our 350+ employees work with law enforcement agencies, technology experts, government officials, prosecutors, international crime-fighting organizations and the public to lead a united effort to prevent and combat insurance fraud and crime.
The National Association of Insurance Commissioners (NAIC) is the U.S. standard-setting and regulatory support organization created and governed by the chief insurance regulators from the 50 states, the District of Columbia and five U.S. territories. Through the NAIC, state insurance regulators establish standards and best practices, conduct peer review, and coordinate their regulatory oversight. NAIC staff supports these efforts and represents the collective views of state regulators domestically and internationally. NAIC members, together with the central resources of the NAIC, form the national system of state-based insurance regulation in the U.S.
NAIC members are the elected or appointed state government officials who along with their departments and staff, regulate the conduct of insurance companies and agents in their respective state or territory.
The mission of the NAIC is to assist state insurance regulators, individually and collectively, in serving the public interest and achieving the following fundamental insurance regulatory goals in a responsive, efficient and cost effective manner, consistent with the wishes of its members:
Protect the public interest;
Promote competitive markets;
Facilitate the fair and equitable treatment of insurance consumers;
Promote the reliability, solvency and financial solidity of insurance institutions; and
Support and improve state regulation of insurance.
DIVISION OF INVESTIGATIVE AND FORENSIC SERVICES
Report Insurance Fraud HERE
Fighting Insurance Fraud through Education and Commitment.