Insurance Claims Handler

Massenhove Recruitment Limited; Stratford-upon-Avon; On-site; GBP 30,000 - 45,000; Full time

Job summary

A recruitment firm is seeking an experienced Insurance Claims Handler to join a commercial broking team. The role involves managing various claims, particularly in Property, within a delegated authority environment. The ideal candidate should have a solid understanding of policy wordings and negotiation tactics. This position offers an opportunity to work in a diverse team and actively contribute to claims management and compliance.

Qualifications

• Solid experience handling Property claims (domestic or commercial).
• Proficient in using insurance claims systems.
• Experience working within a DA framework.

Responsibilities

• Handle a range of claims classes, including Commercial Property.
• Negotiate liability and quantum with insurers.
• Maintain records in line with FCA and GDPR.

Skills

Claims handling

Negotiation

Policy interpretation

Insurance systems proficiency

Education

Cert CII

Dip CII

CILA

Tools

Acturis

Insurer portals

TPA platforms

Job description

Overview

Insurance Claims Handler - About the role

My client are recruiting for a technically competent Claims Handler to join their commercial broking team.

This role will suit someone experienced in managing end-to-end commercial claims within a delegated authority (DA) environment, with specific expertise in Property claims and a working knowledge of Motor, EL, and PL. The successful candidate must demonstrate a solid understanding of policy wordings, regulatory requirements, and negotiation tactics in handling commercial insurance claims.

Responsibilities

• Handle a range of claims classes, including: Commercial Property (core); Motor/Fleet; Employers\' Liability; Public Liability.
• Operate within Delegated Authority limits: typically up to £10,000 independently; up to £100,000 with adjuster involvement; non-delegated claims handled up to £50,000.
• Accurately interpret and apply policy terms, endorsements, and exclusions.
• Negotiate liability and quantum with insurers, loss adjusters, and solicitors.
• Maintain meticulous records in line with FCA, GDPR, and internal audit standards.
• Escalate complex or contentious claims to the appropriate internal or external authority.
• Review and forward supporting documentation promptly (invoices, repair estimates, legal correspondence).
• Monitor outstanding items and manage claims diaries actively.
• Assist clients in understanding decisions on cover declinature or partial settlements.

Key requirements

• Solid experience handling Property claims (domestic or commercial) in a brokerage, MGA, or insurer setting.
• Proficient in using insurance claims systems.
• Proven ability to interpret policy wordings, endorsements, and relevant legislation.
• Experience working within a DA framework and an understanding of the associated controls. Familiarity with service level agreements (SLAs), diary control, and case progression requirements.
• Desirable experience would include exposure to other commercial or specialist classes of insurance.
• Use of systems such as Acturis, insurer portals, or TPA platforms.
• Experience generating and interpreting claims MI. Involvement in internal audits, complaints responses, or claims compliance reviews.
• Working toward or holding professional qualifications (Cert CII, Dip CII, or CILA).

Diversity & Inclusion

Along with our client, we are committed to a diverse workforce and as such recruit from a wide available pool of talent, with the hiring, assessment and selection process being fair, free from bias and one which ensures the right person is selected for the job, based on merit. We treat colleagues, candidates, clients, and business partners with equality, fairness and respect, regardless of their age, disability, race, religion or belief, gender, sexual orientation, marital status or family circumstances.

A copy of our D&I policy can be made available upon request