• SIU Inside Investigator

    Location US-AZ-Mesa | US-CO-Denver
    Job ID
  • Summary

    Esurance is looking for an SIU Inside Investigator to join a dynamic and award-winning team of individuals who are committed to making insurance smarter, easier, and dare we say- cooler. As part of a growing company that is focused on providing an outstanding customer experience, you’ll have the opportunity to expand your skills and discover your potential.


    If you’re looking for a career at a socially conscious company that offers great benefits — including matching 401k and tuition reimbursement — then you may have just found your new home. 


    Esurance combines the spunk of a startup company with the backing of Allstate (the largest publicly held personal lines insurer in the U.S.) to create a unique, energized, and exciting place to work. 


    The SIU Inside Investigator conducts thorough investigations and analyzes evidence to determine whether or not fraud has occurred. Defends the company against fraudulent claims and activity, and acts as a technical expert providing investigative expertise and assistance both on an individual and team basis.

    Job Responsibilities:

    • Investigates special investigation unit claims to include:
      uninsured motorist property damage exposures, disputed cancellations, disputed policy in-force, thefts, burned vehicles, single/multiple party losses, questionable damage claims, low-impact losses, loss operating expense claims, prior losses, questionable referrals, first/third party injuries, pre-text claims, provider investigations, complex multi-carriers task force investigations and nation center information center status.
    • Analyzes results of investigation to determine course of actions and document activities of injury and material damage claims handling practices.
    • Conducts in-person interviews and obtains detailed in-person recorded statements from all involved parties.
    • Requests, prepares, and documents complex examinations under oath and/or sworn statement including those involving attorney representation
    • Conducts thorough searches using insurance investigative databases, internal resources such as Intellishare; internet resources, and public records to locate parties and collect evidence to determine if potential fraud exists.
    • Evaluates and summarizes law enforcement reports, credit reports, medical documentation and affidavits in relation to loss
    • Obtains, evaluates and summarizes law enforcement reports, credit reports, medical documentation and affidavits in relation to loss including documentation from required parties in accordance to state and federal regulations.
    • Renders opinions on investigative findings through written reports and recommends whether to take further actions.
    • Reviews and interprets medical records, reports, and billing in relation to injury loss investigations.
    • Analyzes vehicle photos to investigate alleged damages in relationship to loss
    • Testifies at depositions, hearings and trials.
    • Oversees budgets for outside vendors.
    • Develops and maintains a rapport with local information networks to include law enforcement, vendors and industry experts
    • May conduct branch training.


    • Detail-oriented with strong organizational skills, able to work well under deadlines in a changing environment and perform multiple tasks effectively and concurrently.
    • Demonstrated ability to manage relationships with both internal and external customers.
    • Demonstrated ability to work effectively independently and within a collaborative team oriented environment using sound judgment in decision-making.
    • Excellent communication skills both oral and written skills with strong analytical skills to investigate insurance fraud.
    • Demonstrated proficiency with Microsoft Office products (Excel, PowerPoint, and Word) and claims related software programs.
    • Demonstrated knowledge of coverage, policy interpretation, exposure recognition and liability determination to analyze and move investigations forward are necessary
    • Understands and able to interpret property damage and bodily injury claims terminologies and processes.

      Experience / Education:
    • Bachelor’s degree in Business Administration, a related field, and/or equivalent education.
    • Three years insurance special investigation unit experience and/or detective/investigator within law enforcement preferred
    • Property damage experience preferred


    Background Check / Licensing: As part of the hiring process at Esurance, a pre-employment background check for all new hires will be run which includes employment, education, and criminal verifications.  Additionally, for licensed positions you will be required to obtain and maintain licensure in one or more states which includes fingerprinting and an FBI check which will go back as far as your history allows.   our ability to obtain and maintain employment will be contingent on your ability to be licensed in all required states.  Failure to obtain and maintain those licenses may affect your employment status.


    At Esurance, being committed to our employees is not just something we say, it’s something we do. Our benefits package is designed to help our associates stay healthy, meet their long-term financial goals, and balance the demands of work and personal life. Esurance rewards hard work, dedication, and creativity with competitive salaries and a generous bonus system. We are committed to our employees and we are dedicated to creating a diverse, positive, innovative and team-oriented work environment.

    Health & wellness

    • Medical, vision, and dental insurance
    • Life insurance (company-paid and supplemental)
    • Accidental death and dismemberment coverage
    • Wellness coaching and incentives
    • Group critical illness coverage
    • Accident indemnity and hospital indemnity plans
    • Group legal


    • 401(k) plan with annual matching contribution
    • Referral bonuses
    • Performance-rewarding bonus system
    • Tuition assistance program (up to $5,250 per year)
    • Health savings and flexible spending accounts
    • Commuter benefits

    Family & Community

    • Adoption assistance
    • Maternity leave
    • Buckle Up Baby program
    • Pet insurance discount
    • Charitable gift matching
    • Give Time, Get Time volunteer program
    • Employee Assistance Program

    Time off

    • Short-term disability
    • Long-term disability (employee-paid option)
    • Paid time off (holidays, vacation, personal choice days)


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