Insurance forensic services encompass the application of certified digital forensics methodologies to insurance claims, disputes, and litigation. Insurance companies need digital forensics to verify the legitimacy and scope of cyber insurance claims, quantify actual damages from data breaches and cyber incidents, detect fraudulent or exaggerated claims, preserve electronic evidence for subrogation and coverage disputes, and support underwriting decisions with forensic risk assessments.

As cyber insurance premiums rise and claims grow more complex, forensic validation has become essential to the insurance lifecycle. Without independent forensic investigation, carriers risk overpaying invalid claims, denying legitimate ones for lack of evidence, or losing subrogation actions that could have been won with proper forensic documentation. PTG provides these services across Raleigh, Durham, RTP, the Research Triangle, and all of North Carolina.

PTG follows a rigorous, legally defensible investigation process for cyber insurance claims. We begin with immediate evidence preservation through forensic imaging of all affected systems, ensuring no data is lost or altered. Our certified examiners then perform deep analysis to determine the breach timeline, attack vector, data exposure scope, and root cause. We quantify actual business losses including downtime, data recovery costs, notification expenses, and regulatory penalties.

Every finding is documented in a comprehensive forensic report suitable for insurance adjusters, legal counsel, and courtroom presentation. The entire process maintains strict chain-of-custody protocols that withstand legal scrutiny. We can begin remote forensic triage within hours of engagement and deploy on-site investigators within 24 hours across the Triangle region.

Yes. Fraud detection is a core component of our insurance forensic services. PTG's forensic examiners are trained to identify indicators of staged breaches, fabricated incident timelines, inflated damage claims, and misrepresented security postures. We analyze system logs, network traffic captures, endpoint telemetry, and user activity records to reconstruct exactly what happened and when.

Our forensic tools can detect evidence tampering, data manipulation, and inconsistencies between claimed and actual events. When fraud is identified, we produce detailed forensic reports with supporting evidence chains that insurance carriers and their attorneys can use in claim denials, recovery actions, or referrals to law enforcement. Industry estimates suggest that 10 to 20 percent of all insurance claims contain some element of fraud, making forensic scrutiny an essential part of the claims process.

PTG handles a broad range of insurance forensic cases including first-party cyber liability claims where the policyholder suffered a breach, third-party liability investigations where a company's breach affected its clients or partners, errors and omissions claims involving technology service providers, directors and officers liability cases with cybersecurity negligence allegations, property and casualty claims with digital evidence components, workers compensation investigations involving digital communications, and professional liability claims against IT consultants.

We also conduct subrogation forensics where the insurer seeks to recover from responsible third parties such as negligent vendors or managed service providers. PTG serves insurance companies, independent adjusters, third-party administrators, and defense counsel across North Carolina and nationally.

Evidence preservation for insurance disputes follows strict forensic protocols to ensure all electronic evidence remains legally admissible. PTG performs bit-for-bit forensic imaging that creates exact duplicates of storage media without altering the original. We document every step through formal chain-of-custody records that track who handled the evidence, when, and what actions were taken.

Our forensic imaging captures active data visible to users, archival data on backup systems, and latent or ambient data that requires specialized tools to access, including deleted files, file fragments, slack space, and volatile memory contents. We use write-blocking hardware to prevent any modification to original media during acquisition. All evidence is stored in our secure, access-controlled forensic lab with environmental monitoring. This preservation process meets the Federal Rules of Evidence standards and has been accepted in courts across North Carolina and beyond.

Yes. PTG provides certified expert witness testimony for insurance litigation, coverage disputes, subrogation proceedings, and fraud prosecutions. Our forensic experts have testified in state and federal courts, arbitration hearings, and mediation sessions. We prepare comprehensive forensic reports that translate complex technical findings into clear, understandable language for judges, juries, and opposing counsel.

Our testimony covers breach causation analysis, damage scope and quantification, evidence integrity validation, industry standard of care assessment, policy compliance evaluation, and the technical validity of competing forensic claims. We work closely with insurance defense attorneys and plaintiff counsel to develop litigation strategy grounded in forensic evidence. Our experts are experienced with both direct examination and cross-examination and can withstand rigorous challenge from opposing technical experts.

Insurance forensic investigation costs vary based on the scope and complexity of the engagement. Factors include the number of devices requiring forensic imaging, the volume of electronically stored information to analyze, the depth of investigation required, and whether expert witness testimony will be needed. PTG forensic investigators typically charge between $250 and $300 per hour.

A standard claims investigation examining affected systems and producing a forensic report usually takes fewer than 15 to 20 hours. We provide detailed cost estimates before work begins and can structure engagements as flat-fee or hourly depending on the carrier's preference. For insurance companies with ongoing forensic needs, PTG offers retainer arrangements that provide priority response times and volume-based pricing. PTG can also perform forensic imaging during evenings and weekends to minimize disruption to the claimant's business operations.

Through our partner network, PTG's forensic practice has access to professionals with industry-recognized certifications and over 22 years of hands-on investigation experience. Our engagements leverage certifications in digital forensics methodologies accepted by federal and state courts. We use the same enterprise-grade forensic tools trusted by law enforcement agencies and federal investigators.

Our team has investigated cases across virtually every industry vertical and understands the unique evidentiary requirements of insurance litigation, from cyber liability and professional liability to property and casualty and directors and officers claims. PTG has served more than 2,500 organizations and maintains a track record of zero breaches among our managed clients, a testament to our deep expertise in both offensive investigation and defensive security implementation.

Absolutely. PTG supports insurance carriers and underwriters with pre-binding risk assessments that provide an accurate picture of an applicant's cybersecurity posture before a policy is written. Our assessments include vulnerability scanning, penetration testing, security controls evaluation, incident response readiness review, and compliance posture analysis against frameworks like NIST, HIPAA, PCI DSS, and CMMC.

These assessments help underwriters price risk accurately, identify unacceptable exposures, set appropriate deductibles, and establish meaningful policy conditions that reduce future claims frequency and severity. Post-binding, we can conduct periodic reassessments to verify that policyholders maintain the security standards required by their coverage. This proactive approach reduces loss ratios, improves portfolio quality, and provides carriers with a competitive advantage in the rapidly evolving cyber insurance market.

PTG maintains rapid response capability for insurance forensic investigation requests. For active breach claims where evidence may be at risk of loss or spoliation, we can begin remote forensic triage within hours and deploy on-site investigators within 24 hours across Raleigh, Durham, the Research Triangle, and greater North Carolina. For non-emergency claims investigations, we typically begin work within 48 to 72 hours of engagement.

We understand that insurance claims operate on strict timelines and that delayed investigation can compromise both evidence integrity and the carrier's ability to make timely coverage decisions. PTG can perform forensic imaging during evenings and weekends to minimize disruption to the claimant's business operations. For carriers with retainer agreements, we provide guaranteed response time windows. Contact us at 919-348-4912 for immediate assistance.