Policy Existence Search

What is a Policy Existence & Discovery Search?

A policy existence search is a specialized investigation used to determine whether an insurance policy exists for a defendant, business, or entity. This differs from a policy limit search, which verifies limits for a known carrier.

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Through Policy Discovery Research, We Help Attorneys:

• Locate active insurance carriers for personal or commercial defendants

• Identify hidden liability policies, including umbrella and excess coverage

• Conduct policy existence tracing using advanced investigative techniques

• Verify commercial general liability (CGL) insurance for businesses and property owners

• Utilize proprietary policy discovery tracing to cross-reference public and private data sources

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When is a Policy Discovery Search Needed?

A policy existence search is especially beneficial in cases where attorneys:

• Do not have insurance carrier information and need to determine if coverage exists

• Need to confirm a defendant’s policy status before proceeding with negotiations

• Require policy discovery research for businesses, contractors, or commercial entities

• Want to ensure no available insurance option is overlooked before pursuing litigation

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Our policy discovery tracing uses multiple investigative techniques to efficiently locate insurance policies, providing attorneys with critical data for case strategy and settlement negotiations.