Independent credibility testing for insurance, liability, and civil-claim disputes
When a claim’s outcome turns on who is telling the truth, a professional polygraph examination can add a documented, objective data point to the file. We serve insurers and SIU teams investigating suspected fraud, claimants working to substantiate a genuine loss, and attorneys and adjusters on both sides — at professional offices across the US, Canada, and the UK. Examiners trained to APA standards. Court-ready written reports. Free consultation.
Examiners trained to APA standards · Supporting evidence — not a substitute for the claims process · Written report within 24–48 hours · Free, confidential consultation
Up to 95%Single-issue accuracy (APA meta-analysis)
≤3Relevant questions per single-issue test
5Physiological channels monitored
140+Professional office locations (US)
3Countries served (US / Canada / UK)
FreeConsultation — no obligation
Who Uses ItFour Parties
Who requests an insurance or claim polygraph?
Insurance and civil-claim polygraph work serves several parties — each for different reasons. Select a role to see how a documented examination fits into the wider claims or investigation process.
Insurers & Investigators
Legal & Business
Insurers & Investigators · Fraud Investigation
Insurers & SIU Teams
Special Investigation Units and claims examiners use voluntary polygraph testing as one investigative input when a claim shows red flags — inconsistent statements, no supporting witnesses, or a loss that does not fit the reported facts. A documented examination can help prioritise resources, corroborate a genuine claim, or support a decision to investigate further. It supplements — and never replaces — standard claims-handling, SIU protocols, and the insurer’s own evidence.
Claimants & Policyholders · Substantiate a Genuine Loss
Claimants & Policyholders
If your legitimate claim has been met with suspicion, delay, or an accusation of fraud, a voluntary polygraph can add an objective, documented statement of your account to the file. Many claimants use it to demonstrate good faith when their credibility is being questioned. It is not a guarantee of payout and does not bind the insurer — but it gives you a professional, on-record way to stand behind your account. We recommend coordinating with your adjuster or attorney first.
Plaintiff and defense attorneys, along with independent adjusters, use polygraph examinations to test the credibility of a party or witness in personal-injury, liability, and disputed-claim matters. Results are most commonly used to inform case strategy, settlement discussions, mediation, and negotiation rather than as courtroom evidence — polygraph findings are not automatically admissible and are treated as supporting material. We produce court-ready written reports and coordinate around your timeline.
Employers, self-insured organisations, and risk managers face disputed workers’-compensation and liability claims where the facts of an incident are contested. A voluntary examination can help establish whether an injury or event occurred as reported. Employer-requested testing is tightly regulated — the federal EPPA and its “ongoing investigation” exemption, plus state law, set strict conditions — so we assess eligibility during your free consultation and recommend working with counsel before any request.
Polygraph testing is most useful where a claim’s outcome depends on a disputed factual account — who did what, whether a loss really happened, and whether the reported version is truthful. These are the claim types we most often support.
Insurance Fraud Investigations
AutoStaged collisions, phantom-vehicle claims, exaggerated injuries, and disputed liability in motor accidents where the reported account is questioned.
PropertyTheft, burglary, and damage claims where ownership, the circumstances of the loss, or the value claimed is in dispute.
Arson & FireSuspicious fire losses where the origin of the blaze or the policyholder’s involvement is contested by investigators.
Medical & HealthDisputed treatment claims, alleged exaggeration of symptoms, and questions over whether a described injury or condition is genuine.
LifeContested beneficiary and application matters where the facts surrounding a policy or a death are called into question.
Liability & Civil Claims
Workers’ CompensationDisputed workplace-injury claims — whether an injury occurred at work, as described, or is being exaggerated or fabricated.
Personal InjurySlip-and-fall, public-liability, and accident claims where the mechanism of injury or the claimant’s account is challenged.
Wrongful-Death Civil ClaimsCivil wrongful-death disputes where a party’s account of events is central to establishing responsibility — used to support, not decide, the matter.
Disputed CredibilityAny civil claim where two accounts conflict and a documented, independent credibility assessment could help move the matter forward.
Not sure your claim fits?Book a free, confidential consultation and we’ll tell you honestly whether an examination is likely to help — or send us the details.
An Honest Word on EvidenceWhat It Can & Can’t Do
Supporting evidence — not the final word on a claim
A polygraph examination is one documented data point among many. It does not decide a claim, replace the insurer’s investigation or the courts, and it is not automatically admissible as evidence by right. In most US jurisdictions polygraph results are admitted only by stipulation of both parties, if at all, and rules differ across states, Canada, and the UK. Treat a result as material that supports a claim file or investigation — and always work with the relevant attorney, adjuster, or SIU on how it should be used. We never guarantee an outcome.
The Realistic PictureStrengths & Limits
What an examination can and cannot do for a claim
Understanding both sides before you book leads to better decisions and realistic expectations.
What it can do
Add an objective, documented credibility data point to a claim file or investigation
Help a genuine claimant demonstrate good faith when their account is doubted
Help insurers and SIU teams prioritise and focus an investigation
Inform settlement discussions, mediation, and negotiation strategy
Provide a court-ready written report documenting APA-validated methodology
Focus a disputed factual issue down to a small number of clear yes/no questions
What it cannot do
Decide a claim or override the insurer’s investigation or the claims process
Guarantee a payout, a denial, or any particular outcome
Enter court as evidence by right — admissibility is limited and varies by jurisdiction
Replace independent evidence, medical assessments, or expert reports
Test opinions, intentions, or the value of a loss — only specific past facts
Be requested by an employer without regard to EPPA and state-law limits
How an Examination WorksFive Stages
A structured five-stage process
Every examination follows the same structured process. APA Standards of Practice require a minimum 90-minute appointment — we schedule around 2 hours to ensure thoroughness and a clean, well-documented result.
Stage 1
Free Consultation
We review the disputed issue confidentially, assess suitability, and advise honestly whether an examination is likely to help your claim or investigation.
Stage 2
Question Design
Your examiner develops targeted yes/no questions tied to the specific facts in dispute — reviewed and agreed with all parties before testing begins.
Stage 3
Pre-Test Interview
Full suitability assessment, process explanation, informed consent obtained, and question review — as required by APA §1.6.2.
Stage 4
Examination
Conducted at a professional office. Non-invasive sensors record upper and lower respiration, cardiovascular activity, electrodermal activity, and movement.
Stage 5
Court-Ready Report
Same-day verbal result, with a written report delivered within 24–48 hours — documented to a standard suitable for adjusters, attorneys, and case files.
Pricing & What Affects Your FeeFee Factors
What determines the cost
We don’t publish a single flat fee because the right price depends on your specific situation. Here’s what shapes the cost of an insurance or claim examination — and how booking works.
Insurance Fraud InvestigationsAuto, property, arson, medical, life
Number of examinees to be testedpriced per case
Complexity and scope of the claimpriced per case
Location and scheduling requirementspriced per case
SIU coordination and reporting formatpriced per case
Liability & Civil ClaimsWorkers’ comp, personal injury, wrongful death
Diagnostic vs. evidentiary examinationpriced per case
Court-ready reporting requirementspriced per case
Attorney or adjuster coordinationpriced per case
Timeline and expedited schedulingpriced per case
How booking worksSecuring your appointment requires a non-refundable booking-fee deposit ($100 USD/CAD, £150 UK), deducted from your total — fully refunded only if we cannot accept your case or arrange an appointment. The remaining balance is confirmed after your case is assessed and the appointment is formally set. See our full pricing page for starting rates, or send us a message for a confidential quote.
Find Your Nearest Testing LocationUS · Canada · UK
140+ professional locations across the US, plus Canada & the UK
All examinations are conducted at professional offices in discreet, controlled environments — we do not offer home, mobile, phone, or online testing. Select your state to view available locations and examiners near you.
Understanding what each means — including inconclusive — is important before you book, and before anyone relies on a result in a claim.
1
No Deception Indicated
The physiological data does not indicate deception on the relevant questions. The examinee’s responses are consistent with truthful answers — often used to support a genuine claim. Commonly referred to as a “pass.”
2
Deception Indicated
The physiological data suggests deceptive responses to one or more relevant questions. Commonly referred to as a “fail.” The report documents which questions produced the response.
3
Inconclusive
The data is insufficient to support a definitive finding either way. This is not a fail. It occurs in roughly 10–15% of examinations. A retest may be beneficial — no additional charge if the result arose from an examiner or equipment issue.
How We Handle Your InformationConfidentiality
Confidential by default — shared only on your terms
Insurance and civil-claim matters are sensitive. Our confidentiality standards are built around that reality.
What we guarantee
Results are released only to the party who booked the examination
No results are shared with any third party without explicit written consent
Informed consent is obtained before testing — the examinee reviews and agrees every question
All examination phases are audio-recorded and retained per APA §1.7.5
Worth knowing
Where an insurer, employer, or court arranges the test, the report goes to that party
How a result may be disclosed or used should be agreed with your attorney or adjuster first
A court-ready report is written to be shared — decide in advance who will receive it
We never publish, market, or disclose case details
Learn More Before You BookRelated Guides
Useful reading and next steps
Background on how we work, what tests cost, and where to find us — before you commit.
Common questions about insurance & claim polygraphs
Can a polygraph be used to prove insurance fraud?
A polygraph cannot prove fraud on its own. It provides one documented, objective data point that an insurer or SIU can weigh alongside statements, evidence, and standard claims-handling. A “deception indicated” result may support a decision to investigate further, but it is not proof and does not decide the claim. We recommend using any result as supporting material within your wider investigation.
Will a polygraph help me get my legitimate claim paid?
It can help you demonstrate good faith when your credibility is being questioned, by adding an objective, on-record statement of your account to the file. It does not compel the insurer to pay and does not guarantee any outcome. Many claimants find it most useful when a genuine loss has been met with suspicion or an accusation of fraud. We recommend coordinating with your adjuster or attorney first.
Are polygraph results admissible in a civil claim or court?
Not by right. Admissibility of polygraph evidence is limited and varies by jurisdiction — in most US courts results are admitted only by stipulation of both parties, if at all, and rules differ across states, Canada, and the UK. Results are far more commonly used to inform settlement, mediation, and negotiation than as courtroom evidence. Always consult the relevant attorney about how a result can be used in your matter.
Can my employer make me take a polygraph for a workers’ comp claim?
Employer-requested testing is tightly regulated. The federal Employee Polygraph Protection Act (EPPA, 1988) restricts — but does not entirely ban — testing, with a limited “ongoing investigation” exemption, and state laws add further conditions. Testing is generally voluntary. We assess eligibility during your free consultation and recommend that any employer or self-insurer work with counsel before making a request.
Who receives the results and report?
Results are released only to the party who booked the examination, and are never shared with a third party without explicit written consent. Where an insurer, employer, or attorney arranges the test, the report goes to that party. Because a court-ready report is written to be shared, we recommend agreeing in advance who will receive it — ideally with your attorney or adjuster.
How much does an insurance or claim polygraph cost?
Pricing depends on the claim type, number of examinees, reporting requirements, and location, so we don’t publish a single flat fee. A non-refundable booking-fee deposit ($100 USD/CAD, £150 UK) secures your appointment and is deducted from your total — fully refunded only if we cannot accept your case or arrange an appointment. See our pricing page or request a confidential quote.
Where does the examination take place?
All examinations are conducted at professional offices — discreet, controlled environments across 140+ US locations, plus Canada and the UK. We do not offer home, mobile, phone, or online “lie detector” testing; those have no scientific basis and are not recognised by the APA. View all locations to find one near you.
How quickly can testing be arranged?
Appointments are typically available within a couple of business days of booking confirmation, and urgent claim deadlines can often be accommodated with expedited scheduling. Book online or send us a message with your timeline and we’ll do our best to fit it.
Add an Objective Data Point to Your Claim File.
Professional polygraph testing for insurance, liability, and civil-claim disputes across the US, Canada, and the UK. Examiners trained to APA standards. Court-ready reports. Free, confidential consultation — no obligation.