Pennsylvania insurance fraud training

The requirement

What Pennsylvania requires

Motor vehicle insurers must file an antifraud plan within six months of licensure and file changes within 30 days (75 Pa.C.S. 1811 and 1812), and may be fined up to $10,000 per violation for failing to follow it (75 Pa.C.S. 1815). Workers compensation insurers must institute and certify a plan under 77 P.S. 1040.3 and 31 Pa. Code 119.22 and 119.23. Viatical settlement providers must include training of underwriters and other personnel (40 P.S. 626.10).

31 Pa. Code 119.22 requires the workers compensation plan to describe the employee training programs the insurer uses to prevent fraud and its training to detect fraud in the claims process. The Insurance Department's Anti-Fraud Plan Guidelines expect all officers, employees and producers to be informed of the plan on hire or affiliation, continuing education in fraud detection for agents, underwriters, adjusters and claim handlers, and continuing education in investigation and reporting for fraud investigators.

Annual anti-fraud activity reports are due March 31 for the prior year. Neither the statutes nor the guidelines set training hours or frequency; the plan should state them.

• Motor vehicle and workers compensation insurers keep anti-fraud plans
• Workers compensation plans must describe employee anti-fraud training
• Department guidelines: training at hire plus continuing education
• Annual anti-fraud report due March 31

Sources, checked October 2026

• Pennsylvania Insurance Department, Overview of Anti-Fraud Compliance Requirements
• Pennsylvania Insurance Department, Anti-Fraud Plan Guidelines
• Pennsylvania Insurance Department, Anti-Fraud Plan Submission and Reporting

How NATG helps

Meet the Pennsylvania mandate with one program

• Annual and new-hire anti-fraud courses in versions for each line of business and department
• Online, or instructor-led at your location
• Completion records, certificates and reports for your fraud plan and examiners
• One program for every state you write in, tracked in one place

NATG specializes in insurance fraud and investigations. Our compliance courses are built around the detection, referral and reporting duties in state fraud plans.