How Tharros Security Solutions Walks Beside You in Every AOE/COE Investigation
When an employee reports an injury, most safety managers feel the same sinking mix of concern, urgency, and “What do I do first?” You want to take care of your people—yet you also have to protect the company from paying for something that didn’t truly arise out of or happen in the course of work. Those two little acronyms, AOE and COE, can turn an ordinary Thursday into weeks of paperwork, tense phone calls, and second-guessing.
Tharros Security Solutions is here, so you don’t have to walk that road alone. We live and breathe investigations, but we also understand the human side of the claims process: the worries, the relationships, and the ripple effects a single incident can send through a close-knit team. Below is a look at how we plug into your culture, share the load, and guide everyone—injured workers, HR, safety, and legal—toward a clear, fair resolution.
1. Showing Up Fast—Because Details Fade and People Need Answers
Within hours of your call, one of our investigators is at your facility, quietly securing the scene. We record skid marks before they’re swept away, pull video before it’s overwritten, and take photos while the layout is still fresh. More important, we listen. We ask supervisors what happened, but we also ask how the team is holding up. That blend of fact-finding and genuine care keeps rumors from filling the silence and shows employees the company is serious about uncovering the truth—not hunting for blame.
2. Talking With Witnesses, Not At Them
No one likes being grilled. Our interview style is conversational, designed to make people feel respected and safe. We use open-ended questions (“Walk me through your day up to the accident”) and active listening, so employees can share small but crucial details they might otherwise keep to themselves. Each statement is recorded, timestamped, and transcribed, giving your adjuster—and the worker—confidence that their words won’t be twisted later.
3. Gathering Medical and Background Records—With Sensitivity
Yes, pre-existing conditions and weekend softball injuries matter to a claim, but privacy matters too. We obtain HIPAA-compliant releases, retrieve records quickly, and share them securely. When we uncover prior claims or second jobs, we present the facts without judgment, letting you decide how they fit the bigger picture. The result: fewer surprises when you sit down with your carrier or state board.
4. Respectful Surveillance & Activity Checks
Sometimes you need to verify limitations an employee says they have. We get it. Our team conducts surveillance discreetly and legally—never near schools, private yards, or medical facilities. We also set clear objectives before we start (“Confirm lifting restriction of 15 lbs”) so you never feel like you’re fishing. If we capture video of unrestricted movement, we share it with empathy: “Here’s what we observed. How would you like to proceed?”
5. Mining Social Media for Clues—Without Becoming the Privacy Police
A single Instagram reel can settle a disputed claim—but so can a heartfelt post about workplace hazards. Our open-source intelligence analysts look for both. When we find a wedding dance video that contradicts a back-injury claim, we preserve the metadata and deliver it straight. When we see employees complaining about a slippery loading dock, we flag it so you can fix the hazard before someone else gets hurt. Either way, we help you strengthen trust and safety.
6. Clear, Action-Ready Reports
Legal teams love our exhibits and timelines; operations managers love that we translate legal jargon into plain English. Each report begins with a one-page executive summary that answers, “Does this injury meet AOE/COE?” and “What should we do next?” Then we give you the supporting evidence, organized so your claim's system—and your brain—can process it quickly. And if you end up in a hearing, our investigators are comfortable on the stand explaining exactly how they reached their conclusions.
7. Turning Lessons Into Safer Workplaces
After the claim is closed, we circle back. What did we learn? Could a $20 anti-slip mat have prevented the whole ordeal? Should forklift refresher training move up the calendar? We sit down with your safety committee, share trends, and help draft action items. Clients who act on those insights see fewer injuries, lower premiums, and—maybe best of all—employees who feel genuinely cared for.
Why Partner With Tharros?
We’re headquartered right here in Blue Ash, Ohio, but our mindset is wherever your people are. Our team blends former detectives, fraud examiners, and OSHA-authorized safety pros, yet we never forget that trust solves problems faster than any gadget. When an AOE/COE question lands on your desk, you could wrestle with it alone—or you could call Tharros and have a partner who treats your workforce like our own and protects your company with the same diligence we’d give our families.
In short, we gather the facts, ease the tension, and light the path forward—so you can focus on running a workplace where everyone feels safe, valued, and sure of what happens next. Contact Us to solidify a partnership that you will not regret.