Claims Handler Jobs: What They Involve and Why They Matter

In today’s fast-paced insurance sector, claims handler jobs play a crucial role in supporting both customers and businesses during challenging times. Whether it's resolving a motor accident claim or managing a complex property damage report, claims handlers are the front line of service in the insurance industry.

What is a Claims Handler?

A claims handler is responsible for assessing, processing, and settling insurance claims. They work for insurers, brokers, or third-party agencies, acting as intermediaries between the policyholder and the insurer. Their role involves verifying the details of a claim, liaising with customers, gathering evidence, and negotiating settlements.

Key Responsibilities

• Investigating claims to determine liability and policy coverage

• Communicating with claimants, insurers, and service providers

• Assessing documentation, such as medical reports or damage estimates

• Calculating settlements in line with policy terms and regulatory standards

• Managing caseloads and ensuring timely resolution of each claim

Skills and Qualifications

To excel in a claims handler job, candidates typically need:

• Strong attention to detail

• Good communication and negotiation skills

• The ability to handle stressful or sensitive situations

• Familiarity with insurance policies and legal frameworks

• IT proficiency for managing digital claim systems

While a degree is not always necessary, many employers value qualifications in insurance, finance, or business. Industry certifications, such as those from the Chartered Insurance Institute (CII), can further boost your prospects.

Career Progression and Salaries

Entry-level claims handler roles often start at £20,000 to £25,000 per year, with the potential to rise significantly with experience. Senior claims handlers, especially those working in specialist areas such as commercial or high-value claims, can earn upwards of £40,000–£60,000.

With experience, professionals can progress to roles such as:

• Senior Claims Handler

• Loss Adjuster

• Claims Manager

• Risk Assessor

Job Outlook

The insurance industry continues to evolve with new technologies and customer expectations. As a result, the demand for adaptable and skilled claims handlers remains steady. Remote and hybrid work models have also expanded the opportunities available in this field.

Final Thoughts

If you're detail-oriented, communicative, and enjoy problem-solving, a career as a claims handler could be both rewarding and stable. With opportunities across the UK and beyond, this role offers a solid entry point into the broader world of insurance and financial services.