Report Fraud

Our commitment

We are committed to preventing all forms of insurance fraud.

The second largest economic crime in the United States, insurance fraud can affect any honest policyholder. In fact, the cost of insurance fraud in North America is approximately $80 billion across all lines of insurance per year.

Source: Coalition Against Insurance Fraud

What Is Fraud?

Insurance fraud is the act of deceiving or misrepresenting material information for the purpose(s) of profiting from the benefits of an insurance policy. Examples of insurance fraud include:

  • Committing arson or causing a water loss to collect insurance proceeds
  • Submitting claims for items that were not damaged in a loss
  • Staged accidents
  • Providing inflated estimates for damages on a legitimate loss
  • Withholding material information when applying for an insurance policy or when submitting a claim

Specifically, workers' compensation fraud occurs when someone makes false statements or conceals information in order to receive workers' compensation benefits or to lower premiums. Some examples of workers' compensation fraud include:

  • Employees who exaggerate the extent of an injury
  • Health care providers who bill for services that were not rendered or prescribe tests or treatments that are not related to the work injury
  • Employers who pay cash wages, intentionally under-report payroll or misclassify employees in order to reduce premiums


If you suspect insurance fraud or workers' compensation fraud has been committed, report it via any of the contact methods below.

Encova will keep source information confidential and/or anonymous within the limits of the law.