Property Liability Claims Handler

Brown & Brown UK; Basildon; Hybrid; GBP 30,000 - 42,000; Full time

Benefits offered by this job

Company pension

Employee stock ownership plan

Employee stock purchase plan

On-site parking

Sick pay

Job summary

Brown & Brown UK is seeking a Liability Claims Handler to manage Third-Party Property Damage claims and a small number of Personal Injury claims. You will investigate, validate, negotiate and settle in line with insurer philosophy and claims protocols.

Based in Basildon with hybrid remote work, you will assess liability, review evidence, manage reserves and escalate high-value cases. The role suits candidates with at least 3 years of TP Damage experience and a Cert CII, or progress towards Dip

Qualifications

• Minimum 3 years’ TP Damage claims experience in insurer, MGA, broker or TPA.
• Experience with Personal Injury claims desirable.
• Cert CII and progress toward Dip CII beneficial.

Responsibilities

• Manage a portfolio of Third-Party Liability claims from notification to settlement.
• Handle a small portfolio of low-value Personal Injury claims.
• Review incident circumstances and determine liability based on evidence and insurer strategy.
• Analyse photographs, witness statements, engineering reports, repair estimates and invoices.
• Conduct detailed liability investigations and identify potential fraud indicators.
• Apply negligence law concepts (duty of care, causation, contributory negligence).
• Assess injury claims per legislation, protocols and insurer guidelines.
• Negotiate injury settlements with claimants, representatives and third-party insurers.
• Ensure reserves are reviewed and maintained accurately.
• Proactively manage claim lifecycles to meet service standards.
• Escalate technically complex or high-value claims as required.
• Maintain comprehensive file notes in the Pro-Claim system.

Skills

Liability assessment

Medical evidence

Negotiation

Fraud indicators

Education

Cert CII

Dip CII (in progress)

Tools

Pro-Claim system

Job description

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.

Overview:

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.

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.

Experience:

• 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.

Join us to be part of a vibrant team committed to excellence in claims management! We value energetic professionals who thrive on making a positive impact through organized, transparent work practices.

• Company pension
• Employee stock ownership plan
• Employee stock purchase plan
• On-site parking
• Sick pay

Work Location: Hybrid remote in Basildon (Essex, East of England Region)