Fraud Awareness Program

Insurance fraud is a multi-billion-dollar industry problem that continues to grow. Our industry is susceptible to fraud committed anywhere from the policy application to claims process. Fraud may be committed by policyholders, claimants, health care providers, vendors, agents, or insurance company personnel. To combat fraud, most state regulators have required companies to develop and implement anti-fraud plans. Harford Mutual’s anti-fraud plan is managed within the Special Investigations Unit (SIU).   

SIU responsibilities include:

  • Education & Training — A program to train new personnel to recognize potentially fraudulent behavior, situations, and documents.  Mandatory annual training for all employees promotes a heightened sense of awareness of potential fraud.
  • Fraud Detection — Development of fraud detection guidelines (red flags) to be utilized by employees in evaluating scenarios for possible fraud,
  • Fraud Investigation — Assist staff in conducting additional investigations of suspicious activity
  • Referral & Prosecution — Make referrals to appropriate prosecutorial authorities

If you suspect insurance fraud has been committed, please contact our SIU Department by email at Report Fraud

PDF Downloads

The National Insurance Crime Bureau (NICB) is the nation's premier not-for-profit organization dedicated exclusively to fighting insurance fraud and crime. View and download pdfs from the NICB with important information and guidelines about fraud. 

NICB Chalk Talk Videos

The NICB Chalk Talk video animations provide information on what to look out for when it comes to insurance fraud.