Large Loss Claims Handler

Zego; Virginia; Hybrid; USD 93,000 - 160,000; Full time

Benefits offered by this job

Market-competitive salary

Annual performance bonus

Share options

Private medical insurance

Pension

Job summary

Zego is seeking a Large Loss Claims Handler to manage a portfolio of high‑value motor claims, typically £500k to £5 million, including pre- and post-litigation. You will be a technical expert within a small, highly skilled team, driving strategy and mentoring junior colleagues while coordinating with reinsurers, solicitors, carriers and rehab providers.

Based in a hybrid setting with offices in London or Halifax, the role focuses on liability, indemnity, and quantum issues to reduce costs and

Qualifications

• 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 and the Ogden Discount Rate.
• Experience handling litigated claims and applying CPR and MIB technical disputes.
• Passion for a career in Large Loss and helping shape a growing large loss function.

Responsibilities

• Manage a portfolio of high value motor claims typically valued between £500k and £5 million, pre- and post-litigation.
• Communicate effectively with customers, witnesses, insurers, repairers, solicitors and medical agencies to expedite resolutions.
• Serve as a technical expert within the team, offering guidance on large loss scenarios.
• Work with the Motor Major Loss Manager and Head of TP & Complex Claims on strategy and processes.
• Mentor and develop junior team members and share knowledge.
• Maintain reinsurer and carrier relationships with timely updates.
• Investigate, negotiate and settle claims and determine indemnity and liability reserves.

Skills

High value motor claims

Liability knowledge

Job description

About the company

At the company, we're on a mission to do the good thing, not the insurance thing.

Insurance hasn't changed much in over a century. The way we live, work and travel has. We're building the real-time, AI-driven infrastructure that powers innovative insurance, so good drivers get cover that works the way they actually drive.

We're not just updating insurance; We're leading the AI evolution in insurance.

For us, AI isn't a line on a roadmap or a buzzword on a slide. It's our operating reality, and it's how we build products that back drivers instead of the old insurance playbook.

We don't do things slowly, and we don't do bureaucracy. We back high-performance builders who want ownership, early responsibility and the chance to do the most career-defining work of their lives. You'll get the space to try things, the tools to move fast, and the room to see your ideas reach millions of drivers.

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

If you're ready to build the future of insurance, we're hiring.

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 the company’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 between £500k through to £5 million, 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

The company ways of working

Teams work better with time to collaborate and space to get things done. We call it the company Hybrid: some of us are in our office (central London or Halifax) weekly, others monthly or quarterly. It's 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's 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.

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.

Ready to do the most impactful work of your career? We want to hear from you.

the company, leading the AI evolution in insurance.

Equal opportunities

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.