A Career in Claims Handling: Everything You Need to Know About Claims Handler Jobs

In the world of insurance, a claims handler plays a pivotal role. From auto accidents to property damage, claims handlers are the first line of support when things go wrong. If you're considering a career in insurance or looking for a role that balances investigation, communication, and decision-making, then a claims handler job might be the right fit for you.

What Does a Claims Handler Do?

A claims handler, also known as a claims adjuster or claims assessor (depending on the region), is responsible for managing insurance claims from start to finish. This includes:

• Receiving claims from policyholders or third parties

• Reviewing policy documents to verify coverage

• Investigating circumstances surrounding the claim (e.g., accident reports, damage assessments)

• Liaising with clients, witnesses, repairers, and sometimes medical professionals

• Negotiating settlements and ensuring timely payouts

• Documenting all actions for regulatory and legal compliance

Depending on the industry—auto, property, health, or travel insurance—the day-to-day tasks may vary, but the core responsibilities remain focused on fair and efficient resolution of claims.

Skills Needed to Succeed

Claims handling is a mix of analytical, interpersonal, and organizational work. Key skills include:

• Attention to detail: Accurate documentation and careful evaluation are essential.

• Communication: Clear, empathetic communication is needed when dealing with clients who may be stressed or upset.

• Problem-solving: Many claims are not straightforward, requiring a logical and investigative approach.

• Negotiation: Especially for high-value claims, reaching a fair outcome often involves negotiation.

• Technical knowledge: Understanding legal terms, policy coverage, and industry software is crucial.

Typical Qualifications and Training

While some employers may require a degree in business, law, or finance, many entry-level claims handler roles are open to those with strong A-levels (or equivalent) and a willingness to learn. On-the-job training is common, and many handlers go on to gain certifications such as:

• CII (Chartered Insurance Institute) qualifications in the UK

• AIC (Associate in Claims) in the US

• ANZIIF qualifications in Australia and New Zealand

These certifications can enhance your credibility and open doors to senior or specialist roles.

Work Environment and Salary Expectations

Claims handlers typically work in office settings, though hybrid or remote options are increasingly common. Large insurance companies, brokers, and third-party claims management firms all hire claims professionals.

Salary ranges vary by location, experience, and sector:

• Entry-level: £20,000 – £26,000 (UK) / $40,000 – $55,000 (US)

• Mid-level: £27,000 – £40,000 / $55,000 – $75,000

• Senior or specialist roles: £45,000+ / $80,000+

Performance bonuses and benefits (like health insurance, pension, and training support) are often part of the package.

Career Progression Opportunities

Starting as a claims handler can lead to several career paths, including:

• Senior Claims Adjuster

• Claims Team Leader or Manager

• Loss Adjuster or Underwriter

• Risk Manager or Compliance Officer

Some professionals also transition into legal support roles or customer experience management, depending on their interests and additional qualifications.

Why Become a Claims Handler?

Claims handling is more than just paperwork—it's a chance to make a real impact during difficult times. If you enjoy solving problems, communicating with diverse people, and want a job with stability and progression, this could be your ideal role.

Ready to Get Started?

Check out job boards like Indeed, Reed, or LinkedIn for current claims handler openings, and consider reaching out to recruitment agencies specializing in insurance roles. Whether you’re just starting out or looking for a fresh challenge, claims handling offers a solid and rewarding career path.