Insurance Claims Handler

Confidential; Nantwich; On-site; GBP 45,000 - 65,000; Full time

Job summary

Confidential is seeking a Senior Claims Handler for EL/PL to manage a diverse portfolio of liability claims on behalf of insurers. You will own claims from cradle to grave, providing a proactive, technically excellent service in line with policy requirements and service standards.

The role focuses on complex claims above the £25,000 threshold, requiring strong technical knowledge, sound judgement and top-level negotiation skills across UK jurisdictions.

Qualifications

• Extensive experience handling EL/PL and Casualty claims.
• Strong technical knowledge of policy wordings and coverage.
• Excellent negotiation and decision-making skills.

Responsibilities

• Take ownership of cradle-to-grave EL/PL claims.
• Record and maintain claims information in digital systems.
• Investigate liability claims, advise on coverage, and reserve appropriately.
• Negotiate settlements and ensure timely resolution within SLAs.

Skills

EL/PL claims

Negotiation

Stakeholder management

Claims philosophy

Tools

Claims system

Job description

Senior Claims Handler - EL / PL

Job Market - Liability / Casualty Claims

Senior Claims Handler - EL / PL - About the Role

My client are looking for an experienced Senior Claims Handler - EL/PL to join their specialist liability claims team who manages a diverse portfolio of liability claims on behalf of leading insurers.

As a Senior Claims Handler, you will take ownership of claims from cradle to grave, providing a proactive, technically excellent claims service in line with each insurer's claims philosophy, policy requirements and agreed service standards.

The role will primarily involve handling complex claims above the £25,000 fast-track threshold, requiring strong technical knowledge, sound judgement and excellent negotiation skills.

Senior Claims Handler - EL / PL - Key duties

• Establish policy coverage and confirm whether the appropriate indemnity is in place.
• Accurately record and maintain claims information on the digital claims handling system.
• Proactively investigate liability claims through desk-based investigations and, where appropriate, by instructing loss adjusters and other specialists.
• Assess evidence and make informed decisions on liability.
• Manage claims proactively through to resolution, including negotiating appropriate settlements.
• Ensure claims are handled in accordance with relevant legislation, legal timescales, client SLAs and internal procedures.
• Build and maintain strong relationships with insurers, brokers, solicitors, loss adjusters and other key stakeholders.
• Apply knowledge of policy wordings, terms and conditions when assessing coverage and liability.
• Accurately value personal injury claims and maintain appropriate reserves in line with reserving philosophies.
• Demonstrate a strong understanding of the Civil Procedure Rules and Claims Portal.
• Handle a broad range of Casualty claims, including Personal Injury, Employers' Liability, Public Liability, Construction and Products Liability.
• Apply technical knowledge across relevant UK jurisdictions.
• Authorise claims payments within agreed financial authority limits.
• Support the development of junior colleagues by providing coaching, mentoring and technical guidance.
• Contribute to the continuous improvement of claims-handling standards and processes.

Senior Claims Handler - EL / PL - Key requirements

• Strong technical knowledge across a range of EL/PL and Casualty claims.
• Experience handling complex and higher-value personal injury claims.
• A good understanding of policy coverage, wordings and terms and conditions.
• Strong knowledge of the UK insurance market and liability claims environment.
• Experience assessing and valuing personal injury claims.
• A sound understanding of claims reserving principles.
• Knowledge of the Civil Procedure Rules and Claims Portal.
• Strong negotiation and decision-making skills.
• The ability to manage a caseload proactively from initial notification through to settlement.
• Experience working within client SLAs and regulatory/legal deadlines.
• Experience within an insurance, claims or legal environment.