Senior Claims Adjuster – Specialty

Middlemore; Greater London; On-site; GBP 65,000 - 90,000; Full time

Job summary

Middlemore seeks an experienced Senior Claims Adjuster to manage a portfolio of large and complex claims across all specialty lines. You will take ownership from first notification through settlement, reviewing policy wordings, reserving, negotiating and resolving matters with internal teams and external advisers.

You will mentor junior staff, build strong relationships with underwriters and brokers, and contribute to regional claims strategy and reporting.

Qualifications

• Experience handling large and complex claims.
• Experience across direct and reinsurance claims.
• Lloyd’s or London Market claims experience, including ECF and IMR.

Responsibilities

• Manage a portfolio of large and complex claims from notification to settlement.
• Review policy wordings and assess coverage to determine the appropriate claims response.
• Develop and maintain claims strategies and flowlines for significant matters.
• Handle claims within delegated authority limits, escalating contentious or higher-value issues appropriately.
• Maintain accurate claims records, files, reserves and diary systems.
• Prepare concise written reports and provide regular updates on material losses.
• Support internal and external reporting, including monthly claims bordereaux for capacity providers.
• Build effective relationships with underwriters, actuaries, finance, operations, clients, brokers and external service providers.
• Assist with the development and oversight of a panel of loss adjusters, legal advisers and other service providers.
• Resolve internal and external claims queries promptly and effectively.
• Identify opportunities to improve claims processes, controls and operational efficiency.
• Contribute to management reporting and the wider development of the claims function.
• Mentor and support less experienced members of the claims team.

Skills

Claims handling

Negotiation

Policy wording analysis

Excel

Stakeholder management

Education

CII qualification or legal qualification

Tools

ECF

IMR

Job description

Location: London

Middlemore has partnered with a specialist insurance business who are seeking an experienced Senior Claims Adjuster to manage a portfolio of large and complex claims across all specialty lines of business.

Reporting to the Head of Claims, you will take ownership of claims from first notification through to settlement, ensuring they are investigated, reserved, negotiated and resolved accurately, promptly, fairly and commercially. You will work closely with underwriting, actuarial, operations and finance colleagues, while engaging with clients, brokers, capacity providers, loss adjusters and legal advisers.

Key responsibilities

• Manage a portfolio of large and complex claims from notification to settlement.
• Review policy wordings and assess coverage to determine the appropriate claims response.
• Develop and maintain claims strategies and flowlines for significant matters.
• Handle claims within delegated authority limits, escalating contentious or higher-value issues appropriately.
• Maintain accurate claims records, files, reserves and diary systems.
• Prepare concise written reports and provide regular updates on material losses.
• Support internal and external reporting, including monthly claims bordereaux for capacity providers.
• Build effective relationships with underwriters, actuaries, finance, operations, clients, brokers and external service providers.
• Assist with the development and oversight of a panel of loss adjusters, legal advisers and other service providers.
• Resolve internal and external claims queries promptly and effectively.
• Identify opportunities to improve claims processes, controls and operational efficiency.
• Contribute to management reporting and the wider development of the claims function.
• Mentor and support less experienced members of the claims team.

About you

You will have strong technical claims experience, with the ability to analyse policy wordings, assess coverage and make sound commercial decisions on complex matters.

You will be methodical, accurate and organised, with excellent written, verbal and negotiation skills. You will be comfortable managing competing priorities, working under pressure and building trusted relationships across a collaborative insurance environment.

Ideally, you will have:

• Experience handling large and complex claims.
• Experience across direct and reinsurance claims.
• Lloyd’s or London Market claims experience, including ECF and IMR.
• Experience within an MGA or coverholder claims function.
• Strong Microsoft Excel and claims-system skills.
• French or Arabic language capability – desirable
• CII or legal qualifications, or progress towards them.

This is an opportunity to take ownership of a complex claims portfolio, work closely with senior underwriting and business stakeholders, contribute to the development of a regionally focused claims function and help drive high standards of claims service.