Senior Claims Adjuster - Auto Physical Damage

Wawanesa Insurance; Toronto; Hybrid; CAD 64,000 - 78,000; Full time

Benefits offered by this job

Annual bonus plan

Generous vacation time

Pension plan

Premium free benefits

Job summary

The Wawanesa Mutual Insurance Company in Toronto, ON, is seeking a Senior Claims Adjuster for the Auto Physical Damage team. You will manage high-complexity auto damage claims, apply coverages, and document files from initial report to close, delivering timely service with empathy.

Role requires 3+ years in auto insurance, strong investigative skills, and effective communication. Hybrid work across Canada, collaboration with vendors, and CAT support may be involved.

Qualifications

• 3+ years of auto insurance experience.
• Experience with heavy commercial and fleet, and fire and theft is a strong asset.
• SIU experience preferred, or willingness to learn SIU.
• Post-secondary degree preferred; CIP designation encouraged.
• Exceptional customer service and communication skills.
• Strong investigative and analytical skills.
• Excellent time management and organizational skills.
• Strong negotiation and decision-making skills.
• Teamwork and collaboration skills.
• French bilingual is an asset.

Responsibilities

• Provide direction and support to members throughout the claims process with empathy.
• Adjust mid/high complexity auto physical damage claims including heavy commercial, fleet, fire and theft, and SIU.
• Maintain timely communication via voice, digital, and written channels.
• Review policy wordings, determine coverage, and communicate decisions to members.
• Establish loss and expense reserves through evaluation of information from appraisers, third-party adjusters, and repair facilities.
• Ensure comprehensive investigations to determine coverages and liability, engaging internal/external resources as needed.
• Collaborate with appraisers, rental companies, repair facilities, and partners to coordinate services.
• Negotiate settlements within authority and maintain customer-focused communication.
• Maintain diary system and document activities per procedures.
• Stay updated on legislation and industry trends and comply with provincial requirements.
• Support CAT plan and assist on claims outside service area as needed.
• Perform other duties as assigned.

Skills

Auto insurance

Customer service

Communication

Investigation

Time management

Negotiation

Teamwork

French (Bilingual)

Education

Post-secondary degree

CIP designation

Job description

Job ID: 10221

Employment Type: Existing Role

Work Environment: We offer a hybrid work environment that offers flexibility to our employees in balancing in-office (2 days per week OR 15 hours per week in a Wawanesa office) and remote work. You may work from any of the following locations: Winnipeg, MB; Wawanesa, MB; Vancouver, BC; Calgary, AB; Edmonton, AB; Lethbridge, AB; Toronto (North York), ON; Kitchener, ON; Ottawa, ON; Moncton, NB; Dartmouth; NS.

Working Business Language: English.

Salary: At Wawanesa, salary is only one component of a holistic, comprehensive and competitive offering that we provide to our employees. In addition to salary, full-time and part-time permanent employees are eligible for an annual bonus plan, leave of absence top-up programs and provided with generous vacation time, personal days, premium free benefits and pension plan.

The salary offered for this role is determined with consideration to various factors, including but not limited to: your work location, local labour market conditions, external market salary data, internal pay equity and the knowledge, skills, experience and anticipated proficiency in the role. The salary offered is estimated to be within the following range: $64,000 - $78,000. Candidates with salary expectations outside of the range are still encouraged to apply.

About The Wawanesa Mutual Insurance Company

Founded in 1896, The Wawanesa Mutual Insurance Company is one of Canada’s largest mutual insurers, 100% owned by its members, with more than $4.1 billion in annual revenue and $12.5 billion in assets. Headquartered in Winnipeg, Wawanesa is the parent company of Wawanesa Life, which provides life insurance solutions throughout Canada, and Western Financial Group, a leading national distributor of personal and business insurance. In March of 2026, Wawanesa entered into an agreement to acquire Everest Insurance Company of Canada to strengthen its commercial insurance capabilities and advance its long-term growth strategy.

Wawanesa proudly serves more than 1.8 million members and we are home to more than 3,000 employees across Canada. The company actively gives back to organizations that strengthen communities, donating more than $4 million annually to charitable organizations, including more than $2 million each year in support of people on the front lines of climate change. Learn more at wawanesa.com.

We are currently looking for dedicated, driven, and enthusiastic individuals who thrive in an environment that welcomes change and are looking for an opportunity for diverse experience and advancement on a growing team.

Job Overview

As a Senior Claims Adjuster with our Auto Physical Damage team, you contribute to Wawanesa's goals of delivering an exceptional and consistent member (policy holder) experience through the fair and equitable adjustment of high complexity auto physical damage claims. This role is responsible for applying and explaining policy coverages and documenting claim files through the life of a claim. The role is accountable for providing timely service and prompt management of your claims from initial report to conclusion.

Job Responsibilities

• Provide direction and support to our members, throughout the claims process, by providing exceptional service delivered with empathy.
• Adjustment of mid/high complexity auto physical damage claims, including heavy commercial and fleet, and fire and theft, and SIU.
• Ensure timely and proactive communication, through voice to voice, digital and written correspondence, ensuring that all inquiries are effectively dealt with in a timely and professional manner.
• Review and interpret policy wordings, determine policy coverage, and communicate coverage decisions to members (policy holders).
• Establish timely and accurate loss and expense reserves through the life of the claim through evaluation of relevant information from sources such as appraisers, third party adjusters, and auto repair facilities.
• Ensure a comprehensive investigation is conducted on all files to determine coverages and liability, while adhering to Wawanesa’s adjusting guidelines, and recognizing when to engage appropriate internal and external resources.
• Collaborate directly with vendors such as: appraisers, rental companies, repair facilities and other business partners inside and outside the organization to coordinate services.
• Negotiating and conveying claim settlements within authority limits. Communicating claim decisions promptly and effectively, while still delivering an exceptional customer experience.
• Maintain an effective and current diary system and document claim file activities in accordance with established procedures.
• Remain up to date with legislative changes and trends in the insurance industry as well as complying with all provincial requirements.
• Support CAT plan as necessary, including potentially assisting on claims outside of your service area.
• Perform other duties as assigned.

Qualifications

• 3+ years of auto insurance experience. Experience with heavy commercial and fleet, and fire and theft, would be considered strong assets.
• SIU experience preferred, or willingness to learn SIU.
• Post-secondary degree is preferred.
• Currently working towards, or completed, a CIP designation through the Insurance Institute of Canada.
• Exceptional customer service skills demonstrating empathy and concern for member satisfaction.
• Excellent communication skills; listening, written, and spoken.
• Good investigative and analytical skills. Detail oriented with a high degree of accuracy regarding data entry.
• Excellent time management and organizational skills with the ability to prioritize in a fast paced, changing environment.
• Good negotiation, decision making and critical thinking skills as well as a willingness to improve.
• Strong teamwork skills with the ability to collaborate with others.
• Bilingual (French) is an asset.

Diversity Equity, Inclusion& Belonging

At Wawanesa, we are committed to Diversity, Equity, Inclusion and Belonging (DEIB) and believe that our strength lies in the diversity of our people – this is supported by having a representative workforce.

We welcome applications from all qualified candidates, including racialized persons, women, Indigenous Peoples, persons with disabilities, members of the 2SLGBTQIA+ community, gender-diverse and neurodiverse individuals, and anyone who can contribute to the further diversification of thought and ideas.

We aim to ensure our recruitment process is accessible to all candidates. If you require accommodations during any stage of the recruitment process, please reach out in confidence to [e-mail].

All Wawanesa job applicants are subject to Wawanesa's Privacy Policy.

Please note that the recruitment process for this position may involve the use of AI tools to screen, assess, or select applicants. All final decisions are taken or reviewed by human recruiters and human hiring leaders in compliance with all applicable legislation.