Casualty & Liability Claims Handler

897 Brown & Brown (Europe) Limited; Basildon; Hybrid; GBP 32,000 - 48,000; Full time

Benefits offered by this job

Hybrid working

Office Basildon

Job summary

Brown & Brown Claims is seeking a Liability Claims Handler in Basildon to investigate, validate, negotiate and settle Third‑Party Property Damage claims, with an element of Personal Injury cases. You will work closely with brokers, claimants, solicitors and engineers to protect insurer interests.

The role requires at least 3 years’ experience in liability claims, with knowledge of policy coverage, medical evidence review and liability causation.

Qualifications

• Experience handling Third-Party Property Damage (TPPD) claims within insurer, MGA, broker or third‑party administrator environments.
• Desirable experience with Personal Injury claims and bodily injury principles.
• Understanding of negligence law, duty of care and causation as they relate to liability.
• Ability to manage a diverse caseload from straightforward to complex/high‑value claims.

Responsibilities

• Manage a portfolio of Third‑Party Liability claims from first notification through to settlement and closure.
• Manage a small portfolio of low‑value Personal Injury claims, including liability assessment and reserve management.
• Review incident circumstances to determine liability based on evidence, precedent and insurer strategy.
• Analyse supporting documentation such as photos, statements, reports and invoices.
• Conduct detailed liability investigations and identify potential fraud indicators or coverage concerns.
• Escalate high‑value or litigated claims for expert handling as required.
• Maintain accurate file notes and claim documentation on the Pro‑Claim system.

Skills

TPD Claims Handling

Personal Injury knowledge

Liability assessment

Medical evidence review

Negotiation

Insurance policy coverage

Litigation risk

Education

Cert CII qualification

Dip CII qualification advantageous

Tools

Pro-Claim system

Microsoft Office

Job description

Built on meritocracy, our unique company culture rewards self-starters and those who are committed to doing what is best for our customers.

Liability Claims Handler Office Location: Basildon

Salary: negotiable

Hours: 9.00am to 5.00pm with 1 hour lunch break

Hybrid Working - Minimum 3 days in the office

Company Overview

Brown & Brown Claims Brown & Brown is the 5th largest intermediary business in the world with over 23,000 teammates and offices throughout the US and Europe. Brown & Brown Claims is the in‑house claims team responsible for handling claims on behalf of the international underwriting division. The department manages a diverse portfolio of household, commercial and liability claims, supporting customers from first notification of loss through to settlement while delivering excellent customer outcomes and maintaining strong insurer relationships.

Role Summary

Purpose of Role Reporting directly to the Senior Claims Supervisor, the Liability Claims Handler is responsible for the investigation, validation, negotiation and settlement of Third‑Party Property Damage (TPPD) claims arising under combined liability insurance policies. Whilst the primary focus of the role is the handling of Third‑Party Property Damage claims, the successful candidate will also manage a small allocation of lower‑value Personal Injury claims. This will include minor injury and straightforward bodily injury matters, requiring the handler to assess medical evidence, evaluate quantum, consider causation and negotiate settlements in line with insurer philosophy and prevailing claims protocols.

An understanding of personal injury claims handling principles is therefore highly desirable and will support effective management of the wider liability portfolio. This is a technically focused claims handling role requiring a strong understanding of liability principles, insurance policy coverage, evidential requirements and litigation risk. The postholder will independently manage a caseload of claims ranging from straightforward incidents through to complex and disputed liability matters involving substantial third‑party losses.

The Claims Handler will work closely with policyholders, claimants, brokers, insurers, solicitors, engineers, loss adjusters and other stakeholders to ensure claims are resolved efficiently whilst controlling indemnity spend, reducing lifecycle times and protecting insurer interests.

Accurate and timely maintenance of claim files and management information on the Pro‑Claim claims management system is an essential requirement.

Duties & Responsibilities

• Manage a portfolio of Third‑Party Liability claims from first notification through to settlement and closure.
• Manage a small portfolio of low‑value Personal Injury claims, including liability assessment, review of medical evidence, reserve management and claims settlement.
• Review incident circumstances and determine liability based on available evidence, legal precedent and insurer strategy.
• Analyse photographs, witness statements, engineering reports, repair estimates, invoices and other supporting documentation.
• Conduct detailed liability investigations and identify potential fraud indicators, policy breaches or coverage concerns.
• Apply a sound understanding of negligence law, duty of care, causation and contributory negligence principles when assessing claims.
• Assess injury claims in accordance with relevant legislation, claims protocols and insurer handling guidelines.
• Negotiate injury settlements with claimants, representatives and third‑party insurers to achieve fair and commercially sound outcomes.
• Ensure all reserves are reviewed regularly and maintained at accurate levels in accordance with claims handling guidelines.
• Proactively manage claim lifecycles to minimise unnecessary delays and meet agreed service standards.
• Escalate technically complex, high‑value or litigated claims where required.
• Ensure compliance with insurer authorities, delegated claims handling agreements and internal governance requirements.
• Maintain accurate and comprehensive file notes and claim documentation on the Pro‑Claim system.
• Respond to incoming correspondence, emails and telephone enquiries within agreed service standards.
• Liaise effectively with suppliers, engineers, loss adjusters and legal representatives to facilitate claim progression.
• Identify customer vulnerabilities and ensure all customers receive fair treatment in line with regulatory expectations.
• Maintain the company's ethical standards, values and commitment to delivering excellent customer service.

Hours

9.00am to 5.00pm with 1 hour lunch break

Hybrid Working Minimum 3 days in the office

Experience & Qualifications

Preferred Qualifications: Cert CII qualification desirable with progress towards Dip CII qualification advantageous. Minimum 3 years’ experience handling Third Party Property Damage claims within an insurer, MGA, broker or third‑party administrator environment. Previous experience handling Personal Injury claims is highly desirable. Working knowledge of bodily injury claims, medical reporting, causation principles and quantum assessment would be advantageous.

Skills Required

• Strong understanding of Third-Party Property Damage claims handling processes.
• Understanding of Personal Injury claims handling processes and relevant claims protocols.
• Ability to assess liability and causation in both property damage and low-value bodily injury claims.
• Knowledge of injury claim valuation principles and interpretation of medical evidence.
• Awareness of current market trends and cost drivers relating to liability and personal injury claims.
• Excellent knowledge of liability assessment and negligence principles.
• Ability to reserve accurately and understand the financial impact of claims decisions.
• Competent user of claims management systems and Microsoft Office applications.

Teammate Benefits & Total Well‑Being

At Brown & Brown Canada, we go beyond traditional benefits by supporting the total well‑being of our teammates—physically, financially, and personally. This commitment is reflected in our culture and leadership. In 2026, Brown & Brown Canada. was recognized as one of the Best Workplaces™ in Canada and a Best Workplace™ with Most Trusted Executive Teams by Great Place to Work®, the global authority on workplace culture. These recognitions are based entirely on confidential employee feedback across Great Place to Work Certified™ organizations in Canada.

Our programs are designed to help you thrive at work and in life.

• Health Benefits: Medical/Rx, Dental, Vision, Life Insurance, Disability Insurance
• Financial Benefits: ESPP; Retirement and savings programs, including RRSP with company match, TFSA options
• Mental Health & Wellness: Free Mental Health & Enhanced Advocacy Services
• Beyond Benefits: Increased Stat Holidays & Vacation time, Paid Sick/Personal time, Preferred Partner Discounts and more.
• Not reflective of all benefits. Enrollment waiting periods or eligibility criteria may apply to certain benefits.
• Benefit details and offerings may vary for subsidiary entities or in specific geographic locations.

The Power to Be Yourself

Brown & Brown is an equal opportunity employer that is committed to inclusive, barrier‑free recruitment and selection processes. Consistent with our values, we steadfast in providing equitable treatment to all with respect to barrier‑free employment and accommodation without discrimination. Brown & Brown will provide accommodation for applicants in all aspects of the hiring process, up to the point of undue hardship. If you have an accommodation need, please contact us as soon as possible to make appropriate arrangements. We think of ourselves as a team, so we have teammates - not employees. We strive to attract people who are competitive, driven, and disciplined.

Built on meritocracy, our unique company culture rewards self-starters and those who are committed to doing what is best for our customers. Founded in 1939 as a small, two-partner firm, Brown & Brown (NYSE: BRO) and our team of companies have grown into one of the world’s largest insurance brokerages while staying true to our foundation of trust, resilience, and delivering results. With a team that is as connected locally as it is globally, our high‑performing, highly collaborative team delivers innovative risk and insurance solutions. We look for individuals who embrace our culture, thrive in a collaborative environment, are driven to grow and succeed, and are committed to always doing what is right. With a unique culture built on integrity, superior capabilities and grit, we value teamwork, trust and courage. We think of ourselves as a team, so we have teammates—not employees, and leaders—not managers. Everything we do is about the greater “WE”—never “me.” While diverse in abilities and experience, we are all connected through our core values, a commitment to our local communities and a shared mission—always doing what is best for our customers.

Recruiting Policy

Brown & Brown and its affiliates maintain an internal recruiting team responsible for filling open roles posted to the public. In certain situations, Brown & Brown may supplement its internal capabilities by engaging external recruiting vendors and employment agencies (“Recruiting Vendors”). Recruiting Vendors are not authorized to submit resumes, share candidate data, or directly or indirectly contact Brown & Brown employees to present candidates for employment opportunities. The only exception applies to Recruiting Vendors with an active Valid Agreement (as defined below) that has been approved by Brown & Brown. In accordance with this policy, and to ensure appropriate authorization for sharing candidate personal information, Brown & Brown will not accept unsolicited resumes from any source other than Authorized Recruiting Vendors with a Valid Agreement in place who have been expressly invited to support a specific role. Any unsolicited resumes, incomplete submissions, or candidate data received through any means (including email or otherwise) will be considered the property of Brown & Brown. Brown & Brown will not pay any placement or related fees for unsolicited submissions or candidate data provided in violation of this policy. Such submissions may be used by Brown & Brown without any obligation to pay fees of any kind to Recruiting Vendors. A Valid Agreement is defined as a written contract signed by an authorized representative of Brown & Brown. In the absence of a Valid Agreement, Brown & Brown assumes no liability under any legal theory, including but not limited to breach of contract, breach of implied contract, tortious interference, quantum meruit, any/or any other contractual or equitable claims in connection with candidates identified through unsolicited submissions made in violation of this policy.