Workers’ Comp

The rising claim frequency and premium loss rates, medical inflation, and increasing litigation have contributed to the increasing costs of claims.

Indemnity claim frequency and the average of actual to expected indemnity claims in excess of $250,000 is higher in northern California than in other regions. Cumulative trauma and permanent disability claims are much higher in the Bay Area, Santa Cruz, Monterey/Salinas area than other California regions per a recent Workers’ Compensation Insurance Rating Bureau (WCIRB) report.

Early intervention and fraud investigations are keys to reducing your risk and keeping your costs down, and here is how we can help.

Surveillance Specialists

Since 1952, Estes-Zako & Associates Investigations has cultivated a longstanding tradition of providing investigative excellence to insurance carriers and self-insured employers.

Our investigative services, which include sub-rosa/surveillance of workers’ compensation and liability claims, have helped claim examiners and defense attorneys make informed, educated, and responsible claims decisions, and have saved their companies and clients millions of dollars. Numerous cases have been criminally tried and the subjects have been convicted and ordered to pay back restitution to our clients.

We understand that you have many choices when selecting an investigator and we realize some investigative companies make promises about what they can do; promises that often go unfulfilled and almost always leave you looking bad to your managers.

What we will promise you that most agencies cannot is that we will not embarrass you or your company. We do not use investigators who are untrained, inexperienced or make for poor witnesses on the stand. Everything we do, we do with your best interests in mind. Our ethics policy is that we treat the subject of an investigation like a real person, and we always respect their rights and dignity as individuals.