Insurance fraud is rampant in all sectors of the insurance industry. Insurance fraud occurs when entities and individuals engage in and knowingly misrepresent their activities to gain proceeds or benefits from an insurance company they otherwise could not obtain. Fraud cases are highly specialized and usually involve document-intensive discovery. CLF has a knowledgeable and aggressive litigation team with the experience necessary to uncover and expose fraudulent practices.

CLF caters to insurance companies in the highly specialized area of workers’ compensation premium fraud. We work closely with special investigation units (SIU’s) of national and regional insurance carriers. CLF has uncovered tens of millions of dollars of unpaid insurance premiums and has successfully prosecuted workers’ compensation fraud cases in federal and state courts around the country. Workers’ compensation fraud is a niche area of law, and CLF attorneys travel nationally to protect their clients’ interests. To combat fraud, experienced attorneys must have contacts and relationships with state fraud investigators and law enforcement agencies and be willing to cooperate where necessary to eradicate fraudulent practices.

CLF has comprehensive experience investigating, identifying, and recovering unpaid and unidentified premiums. We can secure vital documentation to support estimated and actual audits that result in our clients determining the true extent of their insured risks. Workers’ compensation premium fraud schemes often involve an array of actors, including business owners, contractors, subcontractors, insurance agents, bookkeepers, and tax preparers. CLF ferrets out the fraud, identifies the bad actors and helps our clients obtain the data necessary to support calculation of actual and estimated risks.

When insureds are caught in the fraud scheme, they sometimes resort to the Bankruptcy courts for protection from the premium debt. CLF has experience in successfully combatting bankruptcy protection by filing adversary proceedings and relying on specific Bankruptcy Codes prohibiting some debtors from discharging a debt.

CLF’s workers compensation fraud litigation has resulted in millions of dollars in judgments for the insurers we represent.