In an increasing number of claims, insurance companies are hiring private investigators to stake out the claimant’s home or follow the claimant around for several days to weeks to gather evidence on film to undermine the claim. The goal is to minimize or distinguish totally the amount the insurance company pays out on claims. The intent of surveilling the injured party is to catch the person in unguarded moments and document that person’s true physical limitations in order to confirm that the entire claim or a portion of the claim is fraudulent. The Sub Rosa investigation of an employee who has made a workers’ compensation claim is a powerful tool to potentially document evidence against the claimant. In Workers’ Compensation, the term Sub Rosa then refers to the secret act of surveillance of a person. Sub Rosa is a Latin term meaning “under the rose”, a flower that is a symbol of secrecy.
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