A Claims Inspector is responsible for the investigation of liability claims on behalf of the company. The person has to deal predominantly with employer’s liability claims although the job would also involve public and products liability losses including personal injury.

The role involves completion of accident reports and making assessments on liability and quantum, reporting your findings to internal staff to assist them in the handling of the claim. A person has to be independently responsible for meeting clients, witnesses and third parties.

The chief responsibility of a Claims Responsibility is to investigate, case manage and progress claims to optimal settlement. Others include achieving optimal settlement within the jobholder's authority as per the details in the claims authority document.

A Claims Inspector needs to apply meticulous technical knowledge and strong interpersonal skills to ensure that all claims are resolved with minimal claims leakage and in such a methodical way that it enhances the company’s reputation for claims excellence.

Prospective applicants require in-depth knowledge of the insurance industry and must have the ability to negotiate both employer’s liability and public liability claims. To qualify as a Claims Inspector, one must have a minimum of 5 years claims investigation experience with a good knowledge of personal injury losses.

Excellent written and verbal communication skills are a must but a NEBOSH/IOSH qualification, ACII and/or Law Degree is a definite pre-requisite. An Advanced Diploma in Insurance ACII qualifications is equally desirable.

A Claims Negotiator handles all claims ranging from inception to settlement. As is well known, all Claims relate to all non PI cases and therefore a Claims Negotiator must have a sound knowledge of the claims process.

The chief duties include working with Third Party Administrators, Self-Insured Large companies, manage health care for self insured, negotiate claims costs at a discounted rate and coordinate benefits through strong ties with Health Insurance Providers. Other duties include the settlement of claims in a speedy manner for the insurance companies and at the same time work towards a regular reduction reducing the fees paid by clients.

A Claims Negotiator is responsible for the settlement of large and often complex and contentious/litigation cases. The person must therefore have at least a 5 year experience in Commercial claims, property and PL/EL. Individuals must also have the ability to provide technical guidance and advice to colleagues.

A Claims Negotiator must have two years of experience in advance-fund re-pricing, strong leadership qualities and must be result oriented. Effective communications and negotiation skills are a must to foster strong customer relationships. While a college degree is desirable a CII qualification is welcome.

An Insurance Manager acts as the professional intermediary between the insurance company and the clients. The Insurance Manger’s role involves advising clients on all the aspects with absolute clarity.

Some of the key responsibilities include excellent relationships with clients especially with insurance brokers. Thus a regular update on the new insurance products, advising them about the existing ones and monitoring their performances are some of the essential duties of an Insurance Manager.

Other duties include the identifying and development of new businesses in accordance with the branch objectives, dealing with queries on the existing business and acting as a mediator between the broker and the underwriters in the course of developing new business.
An Insurance Clerk needs to be alert and aware of any new legislations and technicalities which may be introduces, have good negotiating skills to deal with the claims departments and have detailed knowledge about the company's products.

An Insurance Manager has to constantly introduce new products to his clients who again trust the person with immense personal and other information hence, presentation skills and confidentiality are two key requirements as an Insurance Manager.

Excellent leadership and customer servicing skills are pre-requisites to motivate and lead a good team and win the confidence of the clients being serviced.

A graduate training scheme coupled with a few years of insurance experience serves to qualify individuals as trainee managers. Academic qualifications from the Chartered Insurance Institute (CII) is always an advantage.

Growth prospects are attractive and linked to a commission component. Rewards are based on individual performances and the sky is the limit. .