Senior Claims Adjuster - Engineering & Construction

HDI Global SE; City Of London; On-site; GBP 45,000 - 65,000; Full time

Job summary

HDI Global SE in London is seeking a desk-based claims adjuster to manage a portfolio of CAR/EAR cases from FNOL to settlement within branch authority, delivering high-quality investigations and settlements.

You will assess causes of loss, determine coverage, prepare reserves, and liaise with clients, solicitors, adjusters, brokers, and underwriters while maintaining accurate records for MI and regulatory purposes.

Qualifications

• Experience handling Third Party Liability (CAR) and Engineers matters.
• Familiarity with London Company market CAR/EAR.
• Understanding of JCT/ LEG/ DE would be beneficial.
• Comfort with market meetings in lead or follow roles.
• Strong insurance principles knowledge.
• Awareness of current regulations and market issues.

Responsibilities

• Handle First Party and Third Party Liability claims from FNOL to settlement.
• Evaluate cause of loss to determine coverage and information needs.
• Decide Company response based on policy and underwriting docs; include coverage analysis.
• Assist in setting accurate claim reserves.
• Liaise with clients, loss adjusters, solicitors, experts, brokers, MGAs and TPAs.
• Coordinate with underwriters, risk managers and internal teams for information and authority.
• Maintain accurate records for auditing and reporting; prepare MI as needed.
• Contribute to departmental projects and other tasks as directed.

Skills

CAR/EAR claims handling

London Market knowledge

Cause of loss evaluation

Policy interpretation

Communication & report writing

Data entry & reporting

Team collaboration

Tools

Claims portal

Job description

HDI is a Corporate & Specialty Insurer part of the Talanx Group. With over 120 years of experience, HDI operates across five continents, around 40 countries and employs over 5,000 people worldwide.

The role:

To desktop adjust own portfolio of cases notified, from first advice through to settlement within designated Branch authority, in accordance with the claims handling manual. The cases are varied and may include both lead and follow claims to a high technical level.

Key accountabilities:

• Handle First Party and Third Party Liability claims originating from CAR/EAR policies from FNOL to settlement and recovery
• To undertake an initial evaluation of cause of loss to determine whether a claim is covered and what further information may be required
• To decide the Company’s response to claims, based on correct interpretation of policy and underwriting documentation; investigating, negotiating and settling claims within statutory and company guidelines. This includes coverage analysis and policy determination.
• To assist in the process for setting accurate, realistic and timely claim reserves to enable management to assess the company exposure
• To liaise variously with clients, loss adjusters, solicitors, experts, brokers, MGA’s and TPA’s as appropriate for claims service and investigation.
• To liaise variously with underwriters & risk managers, finance, Management, Head Office and with network (Servicing and/or Producing offices) as and when relevant for informational, procedural or authority reasons.
• To maintain accurate records for auditing and regulatory purposes, preparing reports as necessary
• To ensure accurate entry of claims data into Company systems to enable precise reporting on the nature and financial impact of the claims portfolio and to assist in the preparation of MI
• To proactively participate in projects or other initiatives designed to improve the effectiveness or efficiency of the department To undertake any other tasks as requested by your Line Manager and Claims Director, in order that the team achieve its objectives

Skills & experience:

• Third Party Liability CAR/EAR claims handling experience
• Experience of London Company market in CAR/EAR and Engineering matters
• Experience of JCT/ LEG/ DE
• Experience of market meetings in a lead or follow capacity
• Good general knowledge and understanding of insurance principles
• General awareness of current regulation, case law, and market issues
• Good working knowledge of claims portal
• Excellent communication and report writing skills
• High accuracy and attention to detail
• Ability to work as part of a team, and be self-motivated

Other:

As an equal opportunities employer, we are committed to creating an inclusive environment for all employees, recognising that a diverse and inclusive workplace is a creative and prosperous one.