Insurers write close to $1 trillion in insurance premiums each year according to the FBI — that's a lot of risk management and a huge opportunity for some claimants to take advantage of an insurance company. Fraud comes in all shapes and sizes. Non-healthcare related fraud runs well over $40 billion a year, costing the average American family somewhere around $400 to $700 a year in increased premiums.

The National Crime Insurance Bureau says that Workers' Compensation fraud accounts for approximately 25 percent of the fraud perpetrated annually or $7.2 billion. And the U.S. Government Accountability Office says that healthcare related fraud costs insurers well over $50 billion a year.

Fraud is definitely big business — whether it is fraud rings operating in Florida, Texas and California; Workers' Compensation fraud occurring in companies across the U.S.; or failing business owners who think torching their companies for the insurance payout will solve their problems — no one is immune and everyone is affected.