General Insurance Claims Officer

Exalans and Hunar; Dubai; On-site; AED 180,000 - 240,000; Full time

Job summary

Exalans and Hunar in Dubai seeks an experienced General Insurance Claims Officer to lead complex Property & Casualty claims from notification to final settlement. The role requires technical claims handling, policy coverage analysis, loss evaluation, and skilled negotiation with insurers.

The ideal candidate has 5+ years in general insurance claims, a relevant degree, and ACII/AIII/FIII qualifications. Independent, detail-minded, and proactive in settling claims is essential.

Qualifications

• Minimum 5 years of practical experience in General Insurance claims handling.
• Bachelor's degree in Insurance, Business Administration, Engineering, Finance, or related discipline.
• ACII, AIII, or FIII qualifications are desirable.
• Experience handling large or complex claims is an advantage.
• Previous employment in a loss-adjusting firm or claims department is required.
• Excellent analytical, investigative, and problem-solving skills.
• Strong negotiation and communication skills.

Responsibilities

• Independently manage General Insurance claims from initial notification through investigation, assessment, negotiation, and final settlement.
• Review and interpret policy wordings, conditions, exclusions, warranties, and coverage extensions to determine policy liability.
• Evaluate the circumstances, causes, extent, and quantum of insured losses.
• Critically review loss adjusters' reports, findings, recommendations, and loss assessments.
• Analyse and challenge claim deductions, depreciation, underinsurance, policy interpretations, and settlement recommendations.
• Negotiate effectively with insurers, loss adjusters, surveyors, and other relevant parties to achieve fair and timely settlements.
• Handle complex claims involving coverage disputes, technical assessments, and settlement negotiations.
• Identify potential recovery and subrogation opportunities.
• Provide technical claims advice and recommendations to clients and internal teams.
• Maintain accurate claims records and ensure proactive follow-up and timely claims progression.
• Manage multiple claims simultaneously while minimizing delays and backlogs.

Skills

Analytical skills

Investigative skills

Problem-solving

Negotiation

Communication

Attention to detail

Time management

Education

Bachelor's degree in Insurance/Business/Engineering/Finance

Job description

Dubai, United Arab Emirates | Posted on 10/12/2026

Job Title: General Insurance Claims Officer

Department: General & Marine

Employment Type: Full-Time

Job Summary

We are seeking an experienced, technically competent, and results-oriented General Insurance Claims Officer with substantial hands-on experience in managing and settling complex General Insurance claims across Property & Casualty (P&C) insurance.

This is a technical claims-handling position requiring practical expertise in claims assessment, policy coverage analysis, loss evaluation, and settlement negotiations.

The ideal candidate must be capable of independently managing claims from initial notification through investigation, assessment, negotiation, and final settlement. Candidates whose experience is limited to claims documentation, registration, or administrative coordination will not meet the primary requirements of this role.

Key Responsibilities

Independently manage General Insurance claims from initial notification through investigation, assessment, negotiation, and final settlement.

Review and interpret policy wordings, conditions, exclusions, warranties, and coverage extensions to determine policy liability.

Evaluate the circumstances, causes, extent, and quantum of insured losses.

Critically review loss adjusters' reports, findings, recommendations, and loss assessments.

Analyse and challenge claim deductions, depreciation, underinsurance, policy interpretations, and settlement recommendations where appropriate.

Negotiate effectively with insurers, loss adjusters, surveyors, and other relevant parties to achieve fair and timely settlements.

Handle complex claims involving coverage disputes, technical assessments, and settlement negotiations.

Identify potential recovery and subrogation opportunities.

Provide technical claims advice and recommendations to clients and internal teams.

Maintain accurate claims records and ensure proactive follow-up and timely claims progression.

Manage multiple claims simultaneously while minimizing delays and backlogs.

Required Qualifications & Experience

Minimum 5 years of practical experience in General Insurance claims handling.

Previous employment in a loss-adjusting firm or the claims department of an insurance company is required.

Bachelor's degree in Insurance, Business Administration, Engineering, Finance, or a related discipline.

Demonstrated experience in technical claims assessment, coverage analysis, loss evaluation, and settlement negotiations.

Professional insurance qualifications such as ACII, AIII, or FIII are highly desirable.

Experience handling large or complex claims is a strong advantage.

Technical Knowledge & Expertise

Candidates must have substantial hands-on claims-handling experience across General Insurance, particularly in the following classes:

Property Insurance

Business Interruption (BI)

Contractors' All Risks (CAR)

Contractors' Plant & Machinery (CPM)

Liability Insurance

Candidates must demonstrate the ability to interpret policy coverage, assess insured losses, critically evaluate technical reports, and negotiate appropriate settlements.

Requirements

Excellent analytical, investigative, and problem-solving skills.

Strong technical judgment and attention to detail.

Confident negotiation skills and the ability to challenge technical assessments.

Excellent written and verbal communication skills.

Strong organizational abilities and proactive follow-up.

Ability to work quickly and accurately under tight deadlines.

Strong ownership, accountability, and commitment to timely claims settlement.

Ability to manage multiple complex claims without compromising quality.

Persistent, solution-oriented approach to resolving claims.

Ability to work independently while maintaining effective relationships with clients, insurers, and loss adjusters.

Effective management of claims from notification to settlement.

Accurate assessment of policy liability and insured losses.

Thorough review of loss-adjusting reports and settlement recommendations.

Effective negotiation to achieve fair and timely claim settlements.

Proactive management of pending claims and prevention of unnecessary backlogs.

Protection of clients' interests through sound technical judgment and professional claims management.