BEC Insurance Claim Support

E3 Legacy Intel documents a business email compromise and the resulting wire loss to the standard a cyber or crime insurance policy requires, so your claim is supported by investigative evidence rather than assertions. As licensed investigators (FL A-1400197), we establish how the compromise happened, trace the fraudulent transfer, and produce an evidence package your carrier and counsel can act on.

A BEC insurance claim is won or lost on documentation. Carriers pay claims backed by a clear forensic record of how the loss happened, and question claims built on assertions. We build the record.

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The record a BEC insurance claim requires

A cyber or crime policy adjuster is evaluating whether the loss is covered, how large it truly is, and whether you mitigated it. That means proof of how the compromise occurred, the fraudulent transfer and its path, the loss amount, and the steps you took, such as a bank recall and an IC3 filing. Assertions do not satisfy an adjuster. A documented investigation does.

The record a carrier cannot wave away

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Forensic timeline

A reconstructed timeline of the compromise: initial access, persistence, and the moment the fraudulent instructions were sent.

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Traced transfer

The path of the fraudulent wire through the mule network, documenting where the money went and the loss amount.

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Mitigation record

Documentation of the recall request, the IC3 and Recovery Asset Team filing, and the containment steps you took.

Documentation changes the BEC claim outcome

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Stronger claim

A claim backed by a forensic record and traced funds is far harder for a carrier to reduce or deny.

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Coverage disputes

Clear evidence of the attack vector helps answer coverage and exclusion questions before they stall the claim.

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Subrogation support

A documented actor and fund trail supports the carrier or your counsel in pursuing recovery after payment.

Built to your broker's and your counsel's requirements

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Broker and counsel

We work alongside your broker and coverage counsel and deliver findings they can use directly.

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Carrier examiner

We provide the examiner the investigative record in a form that maps to the claim requirements.

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Recovery in parallel

While the claim proceeds, we support the bank recall and civil routes so recovery and coverage move together.

Stay Protected

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Vendor-payment verification

An ongoing program that verifies new or changed payee bank details before you pay, reducing both future losses and your risk profile at renewal.

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Post-incident monitoring

90 days of monitoring after the engagement for re-compromise, new inbox rules, and credential reuse.

Frequently Asked Questions

Does my cyber policy cover business email compromise?

It depends on your specific policy and endorsements, so confirm coverage with your broker and counsel. What we provide is the investigative documentation, the compromise, the fraudulent transfer, and the loss, that a carrier typically requires to evaluate and pay a BEC or funds-transfer-fraud claim.

What documentation does an insurer need for a BEC claim?

Carriers generally want proof of how the compromise occurred, the fraudulent transfer and its path, the loss amount, and the steps you took to mitigate, such as bank recall and an IC3 filing. We assemble that into one evidence package aligned to a claim.

Can an investigation improve my claim outcome?

It can. A claim supported by a documented forensic timeline and traced funds is far stronger than one built on assertions, and it helps counter a coverage dispute or a subrogation question. We build the record your claim stands on.

Do you work with our broker and attorney?

Yes. We coordinate with your broker, coverage counsel, and the carrier's examiner, and we deliver our findings in a form they can use directly, without interfering with the legal and coverage strategy your team sets.

How soon should we start?

As soon as possible. Early evidence preservation and a prompt IC3 filing both strengthen the claim and preserve any chance of recovery. Documentation is easiest to build while the logs and records are still intact.

Engage an Investigation Stay Protected

Two of our wire fraud matters are written up in full: a six figure wire, gone overseas, recovered in weeks, and a $500,000 loss and a partnership worth saving.

Your Examiner

Matt Aubin, CDFE, FBCI

Managing Partner, E3 Legacy Intel · FL Licensed Investigator A-1400197

Every matter on this page is worked under a named, licensed examiner. Matt Aubin brings seventeen years in cybercrime and open source intelligence. He is a Certified Digital Forensics Examiner (CDFE), a Florida Board Certified Investigator (FBCI), and a Certified AI Agent Developer, and he has investigated cases jointly with the FBI, the SEC, the U.S. Secret Service, and the U.S. Marshals.

His work has been featured on ABC News, Spectrum News, and The Daily Beast, and in a television pilot for Netflix and MAC Pictures as a cybercrime expert. He keynotes nationally and serves on the Board of Directors of the Florida Association of Licensed Investigators (FALI). About Matt Aubin

RELATED INVESTIGATIONS

Business Email Compromise & Wire Fraud · Wire Fraud Recovery Investigation · BEC for Small Business

LET’S TALK

Bring us the problem. We will tell you plainly whether investigation can help.

Fill out this form and set up a discovery call with us. From there we will analyze the issues you are having and determine your intelligence needs. Then we will develop a custom, no-obligation quote for our services, delivered in writing before you commit to anything.

Tell us what happened

A licensed examiner reads every inquiry. You get a written, flat fee quote before any work starts. Or call (877) 732-6648.