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Colonel Vicki L. Cutcliffe, Director
Department of Financial Services
Division of Insurance Fraud
200 East Gaines Street
Tallahassee, FL 32399-0324

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Division of Insurance Fraud  

Welcome to the Division of Insurance Fraud  

The Division of Insurance Fraud was originally formed in 1976 by the Florida Legislature to investigate only fraudulent automobile tort claims. In the early years, investigators had arrest powers but could not carry firearms. Today, the division investigates all types of insurance fraud crimes. Investigators now are armed, sworn state law enforcement officers. 

The division is a law enforcement agency within the mostly civilian Florida Department of Financial Services (DFS). The department is headed by the Chief Financial Officer, who is elected every four years and is a member of the Florida Cabinet. The Director of The Division of Insurance Fraud is appointed by the Chief Financial Officer. 

The Division of Insurance Fraud has authorized 128 sworn officers, managers and administrators, and 43 nonsworn, civilian support  staff members. In fiscal year 2005 - 2006, the division received 12,920 Tips , which resulted in  1,464 criminal investigations, and 795 arrests.

The Division of Insurance Fraud has five regions located throughout the state of Florida, each commanded by a law enforcement captain. One region is located in the north, one in central and three in south Florida. Sixteen squads, each headed by a lieutenant, are located throughout the state. 

Investigators are assigned to work general fraud cases, workers’ compensation fraud, medical and health-care fraud, and agent and company fraud. Areas of assignment may include: 

*       Insolvency  - Fraud committed by insurance companies that fail financially due to internal fraud by owners and corporate officers.

*       Unauthorized Entities - fraud, both criminal and civil, committed by insurance companies operating illegally in the state.

*       Health Care Fraud - focuses on organized medical and health care scams.

*       Workers’ Compensation - investigates employers for workers’ compensation premium fraud.

*       Public Employee Fraud  - investigates state and local government employees for workers’ compensation claimant fraud.

Additionally, insurance companies doing business in Florida must report suspected fraud to the division. Those reports are protected from civil liability, provided the information is reported in good faith.

A reward of up to $25,000 is offered for information leading to a conviction in insurance fraud cases.