CLAIMS EVALUATOR (Non-Motor)

PhilBritish Insurance Co. Inc.; Philippines; On-site; PHP 300,000 - 540,000; Full time

Job summary

PhilBritish Insurance Co. Inc. in the Philippines is seeking a skilled Claims Evaluator (Non-Motor) to assess complex property, marine, casualty, engineering, and financial lines.

You will analyze reports, interpret policy wordings, and collaborate with independent adjusters to determine liability and losses while communicating findings to corporate clients and brokers. The role requires a bachelor’s degree and 1–2 years of relevant experience, with familiarity in local non-life insurance

Qualifications

• Bachelor’s Degree in Business Administration, Finance, Commerce, Engineering, Customs Administration, or related field.
• 1–2 years of experience handling basic property or casualty claims.
• Ability to interpret complex commercial policy wordings (All Risks, Fire and Allied Perils, Marine Cargo, Commercial General Liability).
• Familiarity with Philippine non-life insurance landscape, tariffs, and reinsurance structures.

Responsibilities

• Evaluate liability by analyzing incident and police reports, fire certificates, weather data, and shipping documents.
• Quantum Evaluation: assess actual financial loss by reviewing estimates, invoices, and financial books.
• Collaborate with independent Adjustment Companies licensed by the Insurance Commission for complex losses.
• Review Preliminary, Interim, and Final Adjustment Reports to validate recommendations.
• Establish and monitor financial reserves for reported claims.
• Identify salvage and subrogation opportunities.
• Serve as primary contact for corporate clients, brokers, and agents to explain policy exclusions or decisions.
• Handle disputed claims to ensure fair treatment under Market Conduct guidelines.

Skills

Policy wordings interpretation

Education

Bachelor’s degree in related field

Job description

Claims Evaluator (Non-Motor) handles claims related to property, marine, casualty, engineering, and financial lines. Unlike motor claims, which are high-volume and highly standardized, non-motor claims are often technically complex, high-value, and require deep analysis of policy wordings, engineering reports, or financial statements.

Qualifications

- Bachelor’s Degree in Business Administration, Finance, Commerce, Engineering, Customs Administration, or any related field. - At least 1–2 years of experience handling basic property or casualty claims. - Strong ability to interpret complex commercial policy wordings (e.g., All Risks, Fire and Allied Perils, Marine Cargo, Commercial

General Liability). - Familiarity with the Philippine non-life insurance landscape, including common practices, tariffs, and reinsurance structures (facultative/treaty impact on claims).

RESPONSIBILITIES

• Evaluate liability by analyzing incident reports, police reports, fire certificates (from the BFP), weather bureau (PAGASA) data, and shipping documents (for marine lines).
• Quantum Evaluation: Assess the actual financial loss by reviewing repair estimates, replacement invoices, and financial books.
• Engage and collaborate with independent third-party Independent Adjustment Companies licensed by the Insurance Commission for complex or large-scale losses.
• Report Review: Critically review Preliminary, Interim, and Final Adjustment Reports to validate the adjuster’s recommendations on liability and computation.
• Reserving: Establish, monitor, and adjust accurate financial reserves for reported claims to ensure the company’s financial exposure is accurately reflected.
• Salvage & Subrogation: Identify opportunities for recovery.

This includes pursuing legally liable third parties (subrogation) or managing the disposal of damaged property (salvage) to mitigate the company’s loss.

• Claimant Communication: Serve as a primary point of contact for corporate clients, brokers, and agents, explaining complex policy exclusions or claim decisions professionally.
• Dispute Resolution: Handle disputed claims or complaints, ensuring fair treatment of customers in line with the IC’s Market Conduct guidelines.