PolicySearchUSA is the insurance-policy-discovery practice of Miami Private Investigations — a Florida-licensed private investigation firm (FDACS A1800135) staffed by veterans of U.S. Military Intelligence, federal, state, and local law enforcement, and corporate due-diligence. We apply real tradecraft to a narrow problem: finding the coverage defendants try to conceal.
PolicySearchUSA does not exist as a separate paper entity. It is the public-facing practice line of Miami Private Investigations, a Florida-licensed investigative firm operating under FDACS A1800135, issued by the Florida Department of Agriculture and Consumer Services. Every search you commission through this site is performed by, billed by, and warranted by the same licensed firm — not a marketing front, not a reseller, not a data broker.
That distinction matters in litigation. When a defense firm challenges the chain of custody on an insurance disclosure, attorneys need to be able to point to a real, licensed, accountable investigator — not a SaaS vendor. We are that investigator.
Visit Miami Private InvestigationsOur investigators come from three career paths that, together, produce the exact skill set insurance-policy discovery requires: intelligence collection, lawful records access, and adversarial-document review.
Our intel-community alumni bring collection discipline — structured source vetting, link analysis, and the patience to assemble a coverage picture from fragmentary inputs. The same tradecraft used to identify networks abroad is what reconstructs a defendant's insurance footprint from scattered public-records artifacts.
Our former-LE investigators bring records access fluency. They have spent careers inside DMV systems, crash-report databases, court filings, and state insurance department portals — knowing which records exist, which requires what permissible purpose, and which produce admissible evidence. Their statements stand up in court because they have testified before.
Our commercial-side analysts come from insurance, banking, and risk consultancy. They know how policies are structured, where excess and umbrella layers sit, how self-insured retentions are documented, and how to read a Schedule of Insurance off a corporate filing. They translate raw records into the coverage map your case actually needs.
Anyone can pay $39 for a "background check" portal. Almost none of those services are operated by a licensed investigator who can testify to the search. We are. FDACS A1800135, in good standing, on the record.
Every search opens with a documented GLBA/DPPA/FCRA permissible-purpose statement tied to your file. If your search is ever challenged, the compliance posture is already documented. No improvising at deposition.
Standard files clear in 4–72 hrs. Rush files clear same-day when the records are accessible. We don't queue your case behind a thousand others — we route it to the analyst whose lane fits your search type.
Our deliverable is structured to drop into your damages workup. Carrier name, policy number where lawfully disclosed, layer structure, source-citation footnotes, and a permissible-purpose attestation. No fluff, no upsell pages.
If a search falls outside permissible purpose — or if the facts don't support a likely policy hit — we tell you before invoicing. That's not how data brokers operate. It is how investigators operate when their license is on the line.
Insurance policy discovery sits at the intersection of three federal statutes. We treat the framework as floor, not ceiling.
Gramm-Leach-Bliley Act §6802 / §6803 exceptions — including litigation, fraud-prevention, and authorized-recipient permissible purposes. Every search file documents the applicable §6802(e) basis.
Driver's Privacy Protection Act, 18 U.S.C. §2721(b) — permissible uses 1, 4, and 5 (government function, court order, civil litigation). DMV records are touched only when the basis is established and logged.
Fair Credit Reporting Act considerations where consumer-report data is implicated. We do not pull consumer reports. We do flag when a search request would cross into FCRA territory and reroute the approach.
Our compliance log is reviewable on request for active litigation files. If opposing counsel demands the basis of disclosure, we provide the permissible-purpose attestation directly — and our investigator can testify to it.
Most policy-search engagements start with a 15-minute call to scope the defendant, identify the case type, and confirm the permissible-purpose basis. No commitment.
AI-assisted intake. Don't share privileged case material here — a human follows up via secure email.