Job Title: General Insurance Claims Officer

Job Summary

We are seeking an experienced, technically competent, and results-oriented General Insurance Claims Officer with substantial hands-on experience in managing and settling complex General Insurance claims across Property & Casualty (P&C) insurance.

This is a technical claims-handling position requiring practical expertise in claims assessment, policy coverage analysis, loss evaluation, and settlement negotiations.

The ideal candidate must be capable of independently managing claims from initial notification through investigation, assessment, negotiation, and final settlement. Candidates whose experience is limited to claims documentation, registration, or administrative coordination will not meet the primary requirements of this role.

Key Responsibilities

• Independently manage General Insurance claims from initial notification through investigation, assessment, negotiation, and final settlement.
  

• Review and interpret policy wordings, conditions, exclusions, warranties, and coverage extensions to determine policy liability.
  

• Evaluate the circumstances, causes, extent, and quantum of insured losses.
  

• Critically review loss adjusters reports, findings, recommendations, and loss assessments.
  

• Analyse and challenge claim deductions, depreciation, underinsurance, policy interpretations, and settlement recommendations where appropriate.
  

• Negotiate effectively with insurers, loss adjusters, surveyors, and other relevant parties to achieve fair and timely settlements.
  

• Handle complex claims involving coverage disputes, technical assessments, and settlement negotiations.
  

• Identify potential recovery and subrogation opportunities.
  

• Provide technical claims advice and recommendations to clients and internal teams.
  

• Maintain accurate claims records and ensure proactive follow-up and timely claims progression.
  

• Manage multiple claims simultaneously while minimizing delays and backlogs.
  

Required Qualifications & Experience

• Minimum 5 years of practical experience in General Insurance claims handling.
  

• Previous employment in a loss-adjusting firm or the claims department of an insurance company is required.
  

• Bachelors degree in Insurance, Business Administration, Engineering, Finance, or a related discipline.
  

• Demonstrated experience in technical claims assessment, coverage analysis, loss evaluation, and settlement negotiations.
  

• Professional insurance qualifications such as ACII, AIII, or FIII are highly desirable.
  

• Experience handling large or complex claims is a strong advantage.
  

Technical Knowledge & Expertise

Candidates must have substantial hands-on claims-handling experience across General Insurance, particularly in the following classes:

• Property Insurance
  

• Business Interruption (BI)
  

• Contractors All Risks (CAR)
  

• Contractors Plant & Machinery (CPM)
  

• Liability Insurance
  

Candidates must demonstrate the ability to interpret policy coverage, assess insured losses, critically evaluate technical reports, and negotiate appropriate settlements.

Requirements

Required Skills & Competencies

• Excellent analytical, investigative, and problem-solving skills.
  

• Strong technical judgment and attention to detail.
  

• Confident negotiation skills and the ability to challenge technical assessments.
  

• Excellent written and verbal communication skills.
  

• Strong organizational abilities and proactive follow-up.
  

• Ability to work quickly and accurately under tight deadlines.
  

• Strong ownership, accountability, and commitment to timely claims settlement.
  

• Ability to manage multiple complex claims without compromising quality.
  

• Persistent, solution-oriented approach to resolving claims.
  

• Ability to work independently while maintaining effective relationships with clients, insurers, and loss adjusters.
  

Key Expectations

• Effective management of claims from notification to settlement.
  

• Accurate assessment of policy liability and insured losses.
  

• Thorough review of loss-adjusting reports and settlement recommendations.
  

• Effective negotiation to achieve fair and timely claim settlements.
  

• Proactive management of pending claims and prevention of unnecessary backlogs.
  

• Protection of clients interests through sound technical judgment and professional claims management.