Breach Response Evidence, Coverage Disputes and Claim Fraud for Carriers
Independent Forensics for Cyber Claims Decided by the Logs
A cyber claim is decided by logs and images that are often incomplete by the time the loss is noticed, and coverage can turn on whether the controls represented at underwriting existed on the date of loss. Global Digital Forensics gives carriers, breach coaches and coverage counsel an independent technical account of what the insured's systems actually recorded, from the initial access vector to the restoration invoice. Call the 24/7 hotline while the logs still exist, and the first conversation is free.
For carriers, brokers and claims teams
Core Forensic and Security Services for Carriers and Claims Teams
Choose the group that fits the file. Each linked page sets out the evidence involved, the method and what the claim file receives.
Incident response SLA
An Incident Response SLA commits response times and hourly rates before a loss, at no upfront cost. For an active incident, call the 24/7 hotline.
Claim examination
Independent technical fact development for coverage and subrogation decisions.
Portfolio and diligence
Cyber due diligence and executive risk briefings for portfolio companies and insureds.
The initial consultation is free, and a senior examiner sets the plan with you on the first call.
Why carriers call us
What the Claim Record Must Prove
Cyber claims depend on records that can be lost or overwritten. Initial access vector, dwell time, the data actually accessed and the state of controls at the time of loss all have to be established from logs and images that are often incomplete by the time a claim is noticed, which is why the first days of an examination determine what can be proven later. Coverage frequently depends on what the insured represented at underwriting, such as multifactor authentication, backup posture, segmentation and patch discipline, and whether those controls existed in practice on the date of loss is a forensic question rather than a questionnaire question.
Global Digital Forensics has worked for carriers and insureds since 1992. Our examiners have testified in federal and state courts and our work has been accepted by courts. Veronica Perez, an EnCase and Cellebrite certified examiner with fifteen years of police service, has been designated a digital forensics expert in California, Oklahoma and South Carolina state courts and in federal court in Chicago, and her casework for corporations and insurers includes fraud, breach of contract and employee disputes. Robert Knudsen, CISSP and Certified Computer Examiner, brings eighteen years of forensic casework and hundreds of computer and mobile device examinations in federal and state court matters.
Fraudulent and inflated claims sit alongside genuine ones. Social engineering and funds transfer claims increasingly involve a synthetic voice or video, so authentication of the instruction itself has become part of routine claim examination, and a restoration invoice or a business interruption figure has to be tied to records that show the systems were actually down and actually rebuilt. We bring the same examination to every file, because a finding that cannot survive the insured’s expert is of no use to the carrier either.
Ask on the first call which examiner would review the file and where that examiner has testified.
Scoping
Scoping a Cyber Claim Engagement
- What is the factual basis for the claimed loss, and what is inferred from it?
- Which artifacts establish the timeline of the incident and the insured’s response to it?
- Are the technical controls represented in the application consistent with what the systems show on the date of loss?
- Which findings bear on coverage, and which are merely interesting?
- What documentation will the file need if the claim is later disputed or goes to subrogation?
How we help
Claim Examination, Authentication and Response From One Independent Team
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Digital Forensics and Expert Witness Testimony
Claim examination, evidence preservation and expert testimony for coverage and subrogation disputes.
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AI & Deepfake Analysis
Authentication of disputed audio, video and documents in funds transfer and identity claims.
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Incident Response SLA
A signed incident response SLA an insured can show when the carrier asks, with response times and hourly rates committed in advance.
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Cyber Due Diligence
Portfolio and prebind review of an insured’s actual security posture rather than its questionnaire.
Context
The Claims and Coverage Context We Work Within
- Claims forensics
- Findings are documented to be readable by an adjuster, defensible under scrutiny and usable in a proceeding without being rewritten.
- Policyholder duties
- Cooperation, notice and preservation obligations shape what evidence should exist, and we advise on preservation so a coverage question is not decided by avoidable data loss.
- Panel and breach coach work
- Engagements can be structured through breach counsel where the carrier and the insured intend the analysis to sit inside privilege, and counsel directs what is reviewed and who receives it.
- Subrogation support
- Where recovery against a vendor or another third party is in view, evidence is collected from the outset in a form that supports the later claim.
We work as the independent technical examiner, giving the carrier the facts the coverage decision rests on.
Bring the coverage question to a free scoping conversation and we will tell you which technical facts a control matrix can establish for the file.
Related case study
Financial Fraud Across Multiple Entities
A publicly traded financial institution faced customer and shareholder suits over disputed fees, with more than fifty million transaction records held by a third party processor. GDF mapped how the data flowed and designed a sample based approach the parties could evaluate instead of collecting every record.
Financial Fraud
From Retention to the Loss Chronology
Confirm first whether the engagement is for the carrier, the insured or counsel, who may instruct the examiner and who may receive the report. We document conflicts, the coverage questions left to the carrier and any privileged work directed by counsel before the first record is collected, and a senior examiner discusses the scope in a free initial consultation.
Bring the event range, the claimed loss, the systems involved, the original records, any previous response work and the insurer’s authorization requirements. The loss chronology we build separates the reported incident, the observed access, the restoration costs and the documentary support for each cost, so an adjuster can see which figures rest on records and which rest on the insured’s account.
Where the policy application matters, a control matrix records each policy or configuration examined, the test performed, its result and the visibility limit, so the carrier can see whether multifactor authentication, backups and segmentation were in place on the date of loss. For an insured with an Incident Response SLA, the network information and contacts are already on file and the response times and hourly rates are already agreed.
The report establishes what the systems recorded through the date of loss and marks exactly where the record ends, which is the factual footing an adjuster, a coverage lawyer and, if it comes to that, a court will want.
Gather records before an engagement
Gather the Insured’s Records Before the First Claim Call
These guides help claims professionals and breach coaches identify the policy records, system evidence and private information inventories a review will need, assign an owner to each and prepare the questions for the specialist who will answer them.
Every guide is free to read online. A download asks for a work email and company, which you may skip, and the file starts immediately.
Discuss your evidence and deadline
NYDFS 23 NYCRR Part 500 Audit Preparation
Gather entity details, policy records, system evidence and the questions a Part 500 specialist will raise for a covered insurer.
File: ZIP: guide and editable CSV checklists.
New York SHIELD Act Private Information Preparation
Map the private information, safeguards, service providers and incident records a privacy or breach review will ask about.
File: ZIP: guide and editable CSV checklists.
Browse all preparation packages by subject.
If the insured’s logs are already rolling over, skip the download and describe the claim to a senior examiner today.
Talk with an examiner
Bring the Claim File to a Senior Examiner
Tell us the claim, the insured's systems and the deadline. A senior examiner will call or write back promptly to check conflicts, confirm who instructs the examiner and outline the scope, and the first conversation is free.
Global Digital Forensics has served insurers and their insureds since 1992, with court tested examiners, sixteen US offices and a hotline answered 24/7.
Reviewed by Joseph Caruso, Founder, CEO and CTO, CISSP. Last reviewed .