OSINT for the Insurance Industry
Verify claims faster, detect fraud earlier, and underwrite with confidence — using the same OSINT toolkit trusted by SIU teams worldwide.
Overview
Insurance fraud costs the global industry an estimated $80B+ per year. Modern Special Investigation Units (SIUs) increasingly rely on OSINT — open-source intelligence — to verify claims, screen high-risk applicants, and detect organized fraud rings. Skopio aggregates 22+ legitimate OSINT sources into a single query: phone, email, social profiles, breach exposure, business records, sanctions lists.
Where traditional fraud-investigation tools focus on closed databases (claims history, credit), OSINT fills the gap with publicly available signals: social media activity inconsistent with a disability claim, business registrations linking multiple suspicious claimants, stolen-vehicle reports tied to a phone number. Skopio is API-first — integrates with Guidewire, Duck Creek, custom claims platforms, or works standalone via web dashboard and Telegram.
4 concrete insurance workflows
Real scenarios, real outcomes.
Claims verification
Adjuster receives a $45K disability claim. Claimant insists they cannot lift more than 5 lbs.
Skopio reverse-search on the claimant's phone surfaces an active Instagram showing the claimant deadlifting at a gym 6 days before the claim filing. SIU opens fraud investigation.
Staged-accident detection
Suspected staged collision: 4 claimants, 2 vehicles, $120K total claims, all with different addresses.
Skopio cross-references all 4 phones — finds 3 of 4 numbers appear in the same closed Telegram group. Pattern recognized; ring referred to law enforcement.
Underwriting risk screening
New commercial-fleet policy application from previously unknown trucking company.
Skopio business-records lookup reveals the LLC was incorporated 60 days ago, sole owner has 3 prior LLCs all dissolved after insurance claims. Underwriter declines or repricies.
Identity verification at FNOL
First Notice of Loss from a customer the carrier has no email-verified history with.
Skopio runs phone+email cross-check, confirms the customer is a real individual with consistent multi-year digital footprint. FNOL processed without manual review delay.
Most useful Skopio categories
For insurance workflows.
Skopio relies exclusively on publicly available sources and disclosed breach corpora. For US carriers using OSINT in adverse claim decisions, FCRA requirements apply when data is treated as a 'consumer report'. Skopio provides audit-trail logs and source citations to support documented investigation files. GDPR-compliant for EU operations.
Frequently asked questions
Does Skopio integrate with our claims system?+
Yes — Skopio offers a REST API with HMAC-signed requests. Most insurance carriers integrate via their existing claims platform (Guidewire, Duck Creek, Sapiens) or call Skopio directly from custom fraud-screening workflows.
Is this legal for use in adverse-action decisions?+
Skopio data sources are public information and disclosed breach corpora. For US carriers, FCRA may apply when OSINT is treated as a consumer report. We recommend pairing Skopio findings with traditional verification before issuing adverse-action notices.
How much does this cost compared to traditional fraud-detection vendors?+
Skopio is priced per query, not per seat. Insurance teams typically run 50-500 queries per investigator per month. Compared to seat-licensed fraud platforms ($500-2000/seat/month), Skopio is 60-90% cheaper at typical volumes.
Can we bulk-screen our open-claims backlog?+
Yes — Enterprise plan includes batch CSV upload (up to 10,000 records per batch) with results returned as structured JSON or CSV.
What about false positives?+
Every Skopio finding includes confidence score and source citation. Investigators see exactly which database returned each hit. False-positive rate on phone/email cross-checks is below 4% based on internal benchmarks.
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