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Insurance Adjusters and Claims Examiners (NOC 1233)DescriptionInsurance adjusters investigate insurance claims and determine the amount of loss or damages covered by insurance policies. They are employed in claims departments of insurance companies or as independent adjusters. Insurance claims examiners examine claims investigated by insurance adjusters and authorize payments. They are employed at head offices or branches of insurance companies. Example Titles
Classified Elsewhere
DutiesInsurance adjusters perform some or all of the following duties:
Insurance claims examiners perform some or all of the following duties:
SkillsInsurance claims adjusters and investigators need the following skills and abilities:
Employment Requirements
Terms & ConditionsInsurance adjusters and claims examiners commonly work in a computerized office environment as well as outside. They routinely leave the office in order to meet with clients, investigate insurance claims, or view damaged property, and may occasionally work evenings or weekends. Most insurance adjusters and claims examiners work full-time (97%). Almost all are salaried employees (99%). Senior claims examiners can earn more than adjusters depending on the complexity of the claim being reviewed. Staff adjusters are normally paid a monthly salary, while independent adjusters are usually paid a fee for their services. Earnings, for independent adjusters, fluctuate and they may earn as much as $100,000 during years when there are occurrences of natural disasters such as floods and hail damage. Earnings$27,500 per annum - starting $47,600 per annum - average $66,000 per annum - high Earnings are reviewed annually or more frequently if new information becomes available. Education / Training
Career PathsInsurance adjusters often begin as clerical workers or telephone adjusters in the claims departments of insurance companies or in independent adjusting firms, and through informal learning obtain enough knowledge to be hired as adjusters. To advance to senior levels, specific courses are required. Insurance adjusters may also find jobs as claims examiners, field adjusters, supervisors or claims managers. Adjusters with sales ability may become insurance salespersons. Those with financial skills may become underwriters. OutlookEmployment prospects for insurance adjusters and claims examiners are expected to be good in the 2010 to 2014 period. Employment in Manitoba is estimated at 1,240 in 2010. Insurance adjusters operate in an increasingly competitive environment. Insurance companies are continually offering new products in response to the changing needs of society. An aging population will require more health and long term care insurance options. The growing use of the internet for business and personal use will increase the need for new insurance products to cover risks such as identity theft. While technology has provided some tools and automated some of the functions of insurance adjusters and claims examiners, many claims still require personal assessment and adjudication. A proportionally larger number of jobs for insurance adjusters and claims examiners are located in Winnipeg. The majority of positions are in the Finance and Insurance industry (89%), followed by Public Administration (6%). Employment by Age Group
Employment by Industry
Employment by Region
Employment by Gender
Employment by Aboriginal Self-Identification
Employment by Visible Minority
Please Note - The source for above charts is the 2006 Census. Professional Associations, Unions, and Regulatory Bodies...
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