Casualty Insurance Investigations

In 2015, Canadian property and casualty insurers paid out over $30 billion in claims - accounting for more than 61% of their total revenue. To protect such a large portion of their business, the need for insurance investigations grows. Xpera’s experience and commitment to quality service has resulted in us becoming the industry leader in the insurance investigations field.

With the amount of information available at our fingertips today, Xpera understands the importance of acquiring a professional who is trained in investigation techniques and utilizes available technologies to uncover the facts. Our investigators use the most advanced and up-to-date research, surveillance, photography, interviewing and statement-taking procedures and techniques, adhering to all currently accepted legal practices to ensure the highest evidentiary value for mediations, arbitrations, and trial applications.


We conduct the following types of casualty insurance investigations:

  • Surveillance
  • Photographic & Video Evidence
  • Primary Insurance
  • Open Source Intelligence (OSINT)
  • Liability – Accident Reconstruction
  • Witness Interviews & Statements
  • Neighbourhood Inquiries
  • Staged Accident Inquiries
  • Fatalities & Catastrophic Loss
  • Location of Individuals
  • Accident Investigations

Surveillance Investigation

To support a case or analyze a claim, surveillance is a crucial tool to protect business from fraud and deceit. It requires subtlety and nuance, an understanding of local and regional laws, and state-of-the-art technology.

Open Source Intelligence (OSINT)

Xpera provide industry leading Open Source Intelligence (OSINT) or cyber research gathering and analysis to assist our clients. We address our clients’ needs with investigative information that is collected, analyzed and disseminated in a timely manner.

Collision Reconstruction

Officers trained in accident reconstruction are rare, and as a result police occasionally overlook fraud, deception, and other factual anomalies at an accident. Utilizing the latest technology and proven reconstruction techniques, Xpera’s expert certified investigators examine collision scenes and vehicles, analyze collected data and formulate expert conclusions suitable for a legal setting for passenger, commercial, motorcycle and pedestrian collisions.

Additional Services

  • Witness Interview & Statement Taking

    Xpera conducts witness interview and statement taking. Our investigators understand the insurance requirements and crucial information needed for binding statements.

  • Photo & Video Evidence

    Xpera investigators are trained in the latest and leading technology when producing photographic and video evidence, ensuring our clients receive the proof and evidence they need when processing a claim.

  • Neighbourhood Inquiries

    Our team, consisting of former law enforcement professionals, utilize their knowledge in behaviour patterns and question taking to canvas areas and follow-up on investigations. With 24 offices, we have staff with the local expertise to understand the dynamics in a particular region or area.