Fraud may be committed at different points in the insurance transaction by different parties: applicants for insurance, policyholders, third-party claimants and professionals who provide services to claimants. Common frauds include "padding," or inflating actual claims; misrepresenting facts on an insurance application; submitting claims for injuries or damage that never occurred; and "staging" accidents.

Merrill Investigations provides the personnel and all the necessary security equipment to perform investigations  on behalf of it clients in accordance with the requirement needs as directed by the coordinator, case managers, and other designees.

Merrill Investigations warrants and represents that all property and casualty insurance fraud investigations assigned will be conducted and completed to the satisfaction of the client.