Claims Specialist - Accident Benefits

Zurich Canada; Toronto; Hybrid; CAD 55,000 - 75,000; Full time

Job summary

Join a leading global insurance provider as a Claims Specialist in Toronto. This role involves managing accident benefit claims, ensuring compliance with legislative requirements, and delivering excellent customer service. Ideal candidates will have a degree and experience in accident benefit claims, with strong analytical and communication skills. Enjoy a hybrid work environment and a culture that values diversity and employee well-being.

Benefits

Comprehensive health/benefits plans

Minimum of four weeks of vacation

Four personal days annually

Training and development opportunities

Qualifications

• 1+ years in accident benefit claims.
• Good knowledge of insurance claims processes.
• Excellent writing and presentation skills.

Responsibilities

• Handle Accident Benefits claims in good faith.
• Negotiate settlements using appropriate strategies.
• Document claims files accurately and update claims data.

Skills

Leadership

Time Management

Analytical Skills

Problem Solving

Communication

Education

Bachelor’s degree

College diploma

Tools

Office 365

Job description

Join to apply for the Claims Specialist - Accident Benefits role at Zurich Canada

The Opportunity

Are you looking for a caring, collaborative, values-driven workplace with inspiring teammates and leaders? Do you have the ambition and desire to be the best and thrive at the most impactful global insurance provider in the world? Look no further than Zurich Canada.

If you have experience handling accident benefit, automobile bodily injury or property damage claims, and are seeking a new challenge, we would love to hear from you.

Zurich Canada is currently looking for a Claims Specialist in our Toronto office. Reporting to the Claims Team Manager, you will handle accident benefit and loss transfer claims for commercial and personal lines insureds of low to moderate exposure and complexity within specific limits of authority. Your role is to follow established protocols to ensure claims are handled efficiently and effectively, delivering customer-centric service.

This position emphasizes delivering service to external clients and building relationships, with a focus on excellent customer service and proactive communication to keep clients informed throughout the claims process.

This is a hybrid work opportunity.

What you will do

1. Handle Accident Benefits claims in good faith, complying with legislative requirements and best practices.
2. Manage Accident Benefit claims up to non-catastrophic limits.
3. Handle minor to moderate loss transfer claims.
4. Determine priorities for commercial and personal accident benefit claims.
5. Document claims files accurately and update claims data in accordance with best practices, including LAT disputes.
6. Exercise judgment to determine liability by gathering relevant facts, applying applicable law, and establishing negligence principles.
7. Perform policy verification and coverage determination by analyzing applicable coverage and assessing if the loss falls within accident benefits coverage.
8. Develop case strategies to ensure timely resolution, escalating issues when necessary.
9. Establish reserves and review claims throughout the cycle within authority limits, estimating and validating claim values.
10. Assess damages by calculating applicable damages or ranges allowed by law.
11. Negotiate settlements using appropriate strategies and available tools within authority limits.
12. Maintain quality standards by adhering to best practices.

Job Qualifications - What You Bring To The Table

Required:

• Bachelor’s degree or college diploma in a relevant field, or equivalent work experience with 1+ years in accident benefit claims.
• Good knowledge of insurance claims processes.
• General understanding of automobile insurance policies and products.
• Results-driven with the ability to multi-task, pay attention to detail, and follow procedures.
• Proven leadership and time management skills in a team environment.
• Excellent writing and presentation skills.

Preferred:

• 1-2 years of experience handling accident benefit claims within MIG and up to non-catastrophic limits.
• Experience managing Income Replacement Benefit claims.
• Experience with claims reviews and stakeholder presentations.
• Ability to build relationships with brokers, underwriting partners, and other teams.
• Strong analytical, critical thinking, and problem-solving skills.
• Excellent verbal and written communication skills.
• Understanding of claims adjustment processes and ability to determine scope/exposure.
• Knowledge of financial and actuarial/reserving concepts.
• Familiarity with negotiation strategies and alternative approaches.
• Strong organizational and multitasking skills.
• Proven customer service experience.
• Proficiency with Office 365 tools.
• Actively pursuing or completed the Canadian Insurance Institute (CIP) designation.

Our Culture

• We promote Diversity, Inclusion, Equity, and Belonging (DEIB), encouraging employees to bring their whole selves to work.
• Our collaborative culture values diverse perspectives and provides tools for impact.
• We prioritize employee well-being with comprehensive health/benefits plans, a minimum of four weeks of vacation, and four personal days annually.
• We support continuous learning through various training and development opportunities.
• We contribute to our communities and have received awards for workplace culture, including Greater Toronto’s Top Employers and Insurance Business Canada’s 5-Star DEIB Award.

Make a difference. Be challenged. Be inspired. Be supported. Love what you do. Work for us.

About Us

Zurich Canada, part of the Zurich Insurance Group, has been a leader in the Canadian market for 100 years, serving mid-sized and large companies. With over 500 employees nationwide, Zurich combines global strength with deep industry knowledge. We aim to be the first choice for risk management professionals and are committed to diversity, inclusion, and accessible employment practices.