Large Loss Claims Handler

Zego; Virginia (MN); Hybrid; USD 95,000 - 149,000; Full time

Benefits offered by this job

Market-competitive salary

Annual bonus

Share options

Private medical insurance

Pension and generous holiday

£1,000/year for commuting or learning

Job summary

Zego is expanding its Complex Claims team and seeks a highly skilled Large Loss Claims Handler to manage a portfolio of motor claims over £500k. You will work closely with the Motor Major Loss Manager to drive down costs while ensuring fair compensation for injured claimants.

This role involves mentoring, governance, and collaboration with reinsurers, solicitors, and carriers. You will combine strong negotiation, technical claims knowledge, and a proactive approach to deliver outcomes in a

Qualifications

• Proven experience in managing high value motor bodily injury claims.
• Strong negotiation and communication skills.
• Deep knowledge of liability, indemnity, causation and reserving.

Responsibilities

• Manage a portfolio of high value motor claims typically above £500k.
• Communicate with customers, witnesses, insurers, solicitors and medical agencies.
• Serve as technical expert on large loss scenarios and provide guidance to junior staff.
• Collaborate on strategy with Motor Major Loss Manager and Head of TP & Complex Claims.
• Mentor and develop junior team members and maintain reinsurer/carrier relationships.
• Investigate, negotiate and settle claims with accurate reserving decisions.
• Contribute to strategic projects to keep the team at the forefront of industry trends.

Skills

High value motor claims

Negotiation

Communication

Liability knowledge

Indemnity knowledge

Medical issues understanding

Job description

About Zego

Insurance hasn’t changed much in over a century. The way we live, work and travel has.

Good drivers are the entire point of Zego. Seven in 10 drivers on the road are consistently good, but until telematics came along there was no way to prove it, so nearly everyone paid a price based on averages. Zego is the company built to change that.

At Zego, we’re leading the AI evolution in insurance.

We move fast, without the layers that usually slow things down. AI takes the routine work off every team, from Finance to Product to Marketing, so people ship real code and launch custom dashboards in minutes. Engineering commits are entirely AI-assisted, which shifts the focus from team size to the quality of your thinking, and our data warehouse connects directly to an AI assistant for instant answers. Backed by a modern tech stack (Claude Code, Snowflake, Figma and Zapier) and a commitment to adopting new tools in days rather than quarters, you get complete ownership to do the most impactful work of your career.

Purpose of the role

Zego’s Complex Claims team is expanding, and we’re on the hunt for a highly skilled Large Loss Claims Handler to join our team. Our large loss specialists handle Zego’s most complex and high value motor claims including those involving brain and spinal trauma, psychiatric injury, complex fractures and pain conditions.

In this pivotal role, reporting to the Motor Major Loss Manager, you’ll manage your own portfolio of motor cases, focusing on injury claims exceeding £500k. This position requires not only excellent communication and negotiation skills but also a deep understanding of liability, indemnity, and quantum issues to effectively drive down claims costs while ensuring fair compensation for injured claimants.

Alongside handling technical claims, this role involves introducing and executing a quality review programme within the complex loss team, as well as providing mentorship, oversight, and professional development through a structured training scheme.

Beyond handling claims, the team works closely with other claims colleagues, reinsurers, panel solicitors, carriers, rehab providers and colleagues across underwriting and pricing to deliver fair, commercially sound outcomes. As a small, highly technical team, we offer broad exposure to grow your career

What you'll be working on

• Managing a portfolio of high value motor claims typically valued above £500k through pre and post litigation
• Communicate effectively with customers, witnesses, insurers, repairers, solicitors, and medical agencies to expedite claim resolutions
• Serve as a technical expert within the team, offering guidance and support in large loss scenarios
• Work with the Motor Major Loss Manager and our Head of TP & Complex Claims on Claims strategy and processes
• Motivate and develop more junior team members by sharing your knowledge and expertise
• Maintain Reinsurer and carrier relationships through timely and accurate updates
• Investigate, negotiate and settle claims
• Calculation of accurate reserves and make decisions on Indemnity and Liability claims
• Participate in strategic projects to keep the team at the forefront of industry trends and performance

What you will need to be successful

• Proven experience in managing high value motor bodily injury claims with a current handling authority of at least £250k
• Deep knowledge of liability, indemnity, causation, reserving, future losses, the Ogden Discount Rate and complex medical issues
• Experience handling litigated claims and applying relevant procedures and frameworks including CPR and MIB technical disputes
• A passion for a career in Large Loss and a desire to help shape a growing large loss function

What it’s like to work at Zego

At Zego, we operate like a high-performing sports team. We come together as one, driven by ambition, backed by real support, and united by a shared mission to win.

Working here means having the backing, the coaching, and an inclusive community of Zegons across the UK and Europe who celebrate your wins and raise your game. It also means holding ourselves to high standards: moving with urgency, taking complete ownership, and embracing honest feedback that helps us continuously learn and evolve.

This is your opportunity for a career-defining experience, and one you will own.

Do not take our word for it. Read what Zegons say about us on Glassdoor.

The Zego ways of working

Teams work better with time to collaborate and space to get things done. We call it Zego Hybrid: we gather in our central London or Halifax office weekly. It is about finding the balance between face time and focus that produces great work and a healthy life around it.

We also make a point of getting everyone in the same room. Teams come together every quarter, and once a year the whole company does, properly. It is a serious investment and consistently one of the best parts of the year. Here is what the last one looked like.

Benefits

• Market-competitive salary, benchmarked against your function and reviewed every year
• Annual performance bonus, linked to company performance and your contribution
• Share options, a real stake in the company and a share in the future you build
• Private medical insurance, for you and your family
• Pension, generous holiday, and £1,000 a year to spend on getting to the office or learning something new
• Cutting-edge systems and tools, so you always have what you need to drive your impact

If you’re ready to help build the real-time, data-driven infrastructure for an intelligent world, we want to hear from you.

Zego, leading the AI evolution in insurance.

There’s more to Zego than just a job. Check out our blog for insights, stories and more.

We were also named Best Insurance Company 2025.

We’re an equal opportunity employer and we value diversity at our company. We do not discriminate on the basis of race, religion, national origin, gender, sexual orientation, age, marital status, or disability status.

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