Senior Adjuster (Property)

Saskatchewan Government Insurance; Toronto; Hybrid; CAD 75,000 - 102,000; Full time

Job summary

SGI CANADA in Ontario seeks a Claims Investigator/Adjuster to investigate, evaluate and settle property and liability claims. You will review claims information, interpret policy coverages and regulations, and negotiate settlements to protect company interests.

The role requires a two-year diploma and 5–7 years of residential, commercial, and liability claims handling with knowledge of Ontario insurance legislation.

Qualifications

• Two-year diploma from an accredited post-secondary institution in a relevant field such as Business.
• 5–7 years’ experience in residential, commercial and liability claims handling.
• Knowledge of Ontario property insurance legislation and policy wording.

Responsibilities

• Investigates, evaluates and settles complex property, commercial and liability claims.
• Assigns and coordinates with independent adjusters and service providers as needed.
• Prepares files for legal action and represents the company in proceedings.
• Maintains accurate claims records and ensures regulatory compliance.
• Responds to inquiries and provides timely updates to stakeholders.

Skills

Insurance knowledge

Negotiation

Time management

Communication

Education

Diploma in Business/related field

Job description

Out of Scope, Permanent, Full Time: Monday – Friday, 8:30 – 4:30 EASTERN Time Location: Ontario Hybrid or remote work may be available to applicants residing in Ontario, Alberta or British Columbia. The successful candidate will be hired based on their current residence in one of these three provinces. Salary: $75,455 - $102,194. Closes: October 1, 2026.

General Accountability

• Responsible for investigating, evaluating and settling property and liability insurance claims for SGI CANADA (Ontario).
• Collects, reviews and analyzes claims information to determine damage and values; interprets applicable acts, regulations and policy coverages; and negotiates claims settlements.

Key Accountabilities

Note: This section is not intended to be an exhaustive list of duties and responsibilities – other duties and responsibilities may be assigned.

Claims Investigation and Adjusting

• Conducts interviews to establish and adjust reserves for claims.
• Investigates, examines, negotiates and settles complex property, commercial and liability claims.
• Assigns and provides direction to Independent Adjusters and other service providers on claims when required.
• Administers claims payments and settlements.
• Recognizes, determines and pursues subrogation and salvage opportunities.
• Confirms coverage in accordance with the policy wordings and applicable legislation and regulations.
• May conduct site visits to determine the scope of the damage or loss.
• Prepares files for legal action and represents the interests of the company in legal proceedings and/or other judicial, legal institutional, or regulatory groups or bodies.
• Ensures required forms and documents are completed and maintains claim records and files in accordance with corporate standards and provincial regulations.
• Engages appropriate expertise when needed to assess risk and coverage application as per company guidelines.
• Responds to inquiries for challenging claims and advances to appropriate company representatives where added authority or input is required.
• Responds to complex issues arising through claims handling and reaches equitable resolutions.

Customer Experience

• Addresses coverage decision responses and payments in a concise and timely fashion.
• Provides updates and information to all stakeholders to promote transparency and efficiency in the claims handling process.
• Anticipates client needs and seeks to find solutions while adhering to company guidelines.

Relationship Management

• Develops and maintains relationships and communication with broker partners to promote trust and confidence in claims processes and procedures.
• Participates in and supports a team environment where collaboration and input is valued and respected by its members.
• Acquires new information from industry sources and proposes ideas for process improvement and efficiencies.

Leadership

• Actively contributes to and supports a culture of a high performing workforce.
• Participates in divisional succession plans, ensuring ongoing professional and career development and supports development in others.
• Supports a culture of leadership and accountability to effectively deliver on strategic and corporate strategies.
• Is actively committed to leadership development across the company, supporting team and workforce readiness through mentoring, training and developmental opportunities.

Corporate Management

• Enables the success of programs and policies that are in alignment with corporate, strategic and divisional strategies.
• Manages risk in area of authority.
• Ensures that the Health, Safety and Emergency Management Policy is applied in area of responsibility.

Education & Experience

A two-year diploma from an accredited post-secondary education institution in a relevant field of study such as Business. CIP is also an asset 5 – 7 years’ experience in residential, commercial and liability claims handling.

Knowledge, Skills and Abilities

• Knowledge of Ontario’s property insurance legislation and regulations
• Knowledge of property insurance policy wording
• Knowledge of the principles and practice of insurance and techniques related to the settlement of claims
• Skill in determining actual cash values, depreciation, repair and replacement costs applicable for property claims
• Time management skills with the ability to prioritize workload and meet strict deadlines
• Verbal and written communication skills, interpersonal and negotiation abilities and organizational skills

We strive to be the kind of employer that employees recommend to a friend.

At SGI, we’re committed to building a workplace where everyone feels seen and heard, and where every individual is respected.

Our commitment to reconciliation includes actively hiring Indigenous people and creating opportunities for diverse talent to thrive.

We offer more than a job; we embrace diverse backgrounds and experiences, provide a career with purpose, growth, and belonging.

Join us and help shape a workplace where every voice matters and contributes to our shared success.

SGI has offered affordable insurance products and great service to our customers since 1945. SGI has 2 distinct operations — the Saskatchewan Auto Fund and SGI CANADA. The Auto Fund is Saskatchewan’s compulsory auto insurance program, operating the driver licensing and vehicle registration system. SGI CANADA is the property and casualty insurance division which offers products in Saskatchewan, British Columbia, Alberta, Manitoba and Ontario through a network independent insurance brokerages. SGI and SGI CANADA are Crown corporations, owned by the Government of Saskatchewan.

Our culture is one of personal accountability, where all of us are empowered to be leaders. We encourage a growth mindset that sees change as an opportunity to learn, innovate and continuously improve. We value respectful collaboration and open communication where your voice is welcome and appreciated. Each of us has a role in SGI and SGI CANADA’s success and we acknowledge everyone’s contributions. We care about each other. We treat one another with kindness and celebrate each person’s uniqueness so we can all be our authentic selves at work. That’s because diversity, equity and inclusion are foundational to our culture and who we are. Different backgrounds and perspectives make for a vibrant and creative community where innovation flourishes.

Everyone at SGI and SGI CANADA enjoys great benefits, perks and options to balance work and everything else life sends their way.

We also believe in you and your future career aspirations. Regardless of where you start, SGI and SGI CANADA will invest in you by supporting education, accreditation and professional development.