3rd Degree Screening

Insurance

Background Checks for Insurance Companies That Protect Your Policyholders, Your Agents, and Your License

Screen every agent, adjuster, underwriter, and claims staff member with a process built for the regulatory scrutiny and fiduciary responsibility of insurance industry hiring.

Insurance professional background checks and licensed agent screening
PBSA-accredited screening

Independently audited

For compliance & accuracy

PBSA

PBSA Accredited

Background Screening Association

FCRA

FCRA Certified Staff

Fair Credit Reporting Act

US Based

100% US-Based

Support and Operations

Licensed PI Agency

Licensed Private Investigative Agency

State-Licensed & Bonded

Why it matters

In Insurance, the Person You Hire Represents Your Promise to Every Policyholder They Touch.

Insurance companies operate under a compliance burden that most industries never encounter. State insurance departments, the NAIC, and in some lines federal regulators all govern who can hold a license, what must be disclosed, and how producers and adjusters must conduct themselves.

Beyond regulatory requirements, the trust dimension is acute. Your agents have access to policyholder financial data, collect premium payments, and in some cases hold power of attorney over client assets. Your adjusters enter homes and businesses at some of the most vulnerable moments in a client's life. Your underwriters make decisions that affect coverage for thousands of people.

A single fraudulent agent, an adjuster with an undisclosed theft conviction, or a producer whose license was revoked in another state can expose your company to regulatory sanctions, E&O claims, and the kind of reputational damage that drives policyholders to your competitors.

At 3rd Degree Screening, we help insurance companies:

Screen agents, adjusters, underwriters, and claims staff under one consistent compliant workflow
Verify state insurance licenses and confirm active status before extending offers
Run credit checks for roles with access to policyholder funds or premium collections
Catch criminal history, fraud flags, and watch list matches before they reach your clients
Support ongoing workforce monitoring for licensed staff where a post-hire regulatory action creates immediate exposure

Screening Packages

Our Insurance Screening Packages

Agents & Producers

Licensed Agents, Brokers & Independent Producers

  • Legal Name and Maiden/Alias
  • Identity Verification
  • Social Security Trace
  • USA Arrest Booking
  • Nationwide Criminal Database
  • Global Watch Lists
  • Nationwide County Criminal Record Check - Unlimited
  • Federal Criminal Nationwide Search
  • Employment Verification
  • Professional License Check
  • Credit Check
  • *Possible 3rd Party Fees

Adjusters & Claims Staff

Field Adjusters, Inside Adjusters & Claims Processors

  • Legal Name and Maiden/Alias
  • Identity Verification
  • Social Security Trace
  • USA Arrest Booking
  • Nationwide Criminal Database
  • Global Watch Lists
  • Nationwide County Criminal Record Check - Unlimited
  • Federal Criminal Nationwide Search
  • Employment Verification
  • Professional License Check
  • Motor Vehicle Record (MVR)
  • *Possible 3rd Party Fees

Underwriters & Actuarial Staff

Underwriters, Actuaries & Risk Analysts

  • Legal Name and Maiden/Alias
  • Identity Verification
  • Social Security Trace
  • USA Arrest Booking
  • Nationwide Criminal Database
  • Global Watch Lists
  • Nationwide County Criminal Record Check - Unlimited
  • Federal Criminal Nationwide Search
  • Employment Verification
  • Education Verification
  • Credit Check
  • *Possible 3rd Party Fees

A La Carte

  • Legal Name and Maiden/Alias
  • Identity Verification
  • Employment Verification
  • Professional License Check
  • Credit Check
  • Motor Vehicle Record (MVR)
  • Civil Records Check
  • Reference Check
  • Federal Criminal Nationwide Search
  • Workforce Monitoring - Criminal Record

90%

reports in under 36 hours

99%

support requests resolved in 1 contact

9.5 years

average client tenure

50+

integrations

Why Choose Us

Why Insurance Companies Choose 3rd Degree Screening

State insurance license verification as standard

For every licensed producer, agent, or adjuster, we verify active license status directly with the relevant state insurance department, confirming the credential exists, is current, and matches the candidate's identity before an offer is extended.

Credit checks for roles handling policyholder funds

Agents collecting premiums, managing client accounts, or holding any form of policyholder assets warrant an employment credit check. We apply them to the right roles with proper FCRA disclosure and consent built in.

MVR checks for field adjusters

Field adjusters driving to claim sites need a motor vehicle record check as a baseline. We build it into the adjuster package automatically so it's never overlooked.

Fraud and financial crime history surfaced early

Insurance fraud is an industry-specific risk that extends to your own workforce. Our criminal screening packages are designed to surface relevant fraud, theft, and financial crime history before it reaches your clients.

Ongoing monitoring for licensed staff

A regulatory action or license suspension after hire creates immediate exposure for a licensed insurance company. Our workforce monitoring keeps you informed in real time rather than at your next compliance review.

No setup fees, monthly minimums, or term commitments

Whether you're a regional carrier or a national insurer, you pay only for the checks you run.

Frequently Asked Questions

Every Policy You Write Is a Promise. The People Behind It Should Be Vetted to Match.

Build a screening program that satisfies regulators, protects policyholders, and holds up under audit, with a PBSA-accredited partner that understands what insurance industry compliance actually requires.

Insurance company contact and onboarding

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