Claims Handler Location: Llandudno (On-site) Package: £Negotiable + Benefits We're strengthening our Claims function within BIS to ensure we continue to provide outstanding service to our clients and colleagues. You'll be Responsible for the delivery of claims services, taking overall responsibility for the smooth running of client accounts by providing or introducing technical advice and service support on all claims related matters. The day to day: Main Point of contact for all general/strategic claims issues. To manage a Delegated Authority claims management system in relation to Professional Indemnity Insurance scheme. Generate additional revenue through claims value added service. Understand the clients' business and their claims management needs and look for innovative solutions to deliver those needs through the provision of ongoing client service. To understand the client's business and associated insurance risks and exposures. To carry out analysis and report on claims experience including executive summaries, 'what if' analysis and triangulation etc - leading presentations and delivery to clients. Lead and deliver the end to end ongoing client service, adhering to standardised policies, procedures and service standards. The Benefits: A Negotiable basic salary coupled with all the standard benefits (Pension, DIS, 25 days holiday + Bank Holidays) A culture based around ongoing staff development including funded qualifications The ability to be a core part of our Claims proposition and assist in the development of it further About you: You'll have a good understanding of the claims market with a wide range of Commercial Insurance Knowledge, including Liability, Motor, Property and Ideally Professions risks. Able to communicate and influence effectively at all levels up to and including director level. A skill set that includes high level Analytical, IT and Communication skills (Verbal, Written, Video) coupled with a client first mindset.
May 01, 2024
Full time
Claims Handler Location: Llandudno (On-site) Package: £Negotiable + Benefits We're strengthening our Claims function within BIS to ensure we continue to provide outstanding service to our clients and colleagues. You'll be Responsible for the delivery of claims services, taking overall responsibility for the smooth running of client accounts by providing or introducing technical advice and service support on all claims related matters. The day to day: Main Point of contact for all general/strategic claims issues. To manage a Delegated Authority claims management system in relation to Professional Indemnity Insurance scheme. Generate additional revenue through claims value added service. Understand the clients' business and their claims management needs and look for innovative solutions to deliver those needs through the provision of ongoing client service. To understand the client's business and associated insurance risks and exposures. To carry out analysis and report on claims experience including executive summaries, 'what if' analysis and triangulation etc - leading presentations and delivery to clients. Lead and deliver the end to end ongoing client service, adhering to standardised policies, procedures and service standards. The Benefits: A Negotiable basic salary coupled with all the standard benefits (Pension, DIS, 25 days holiday + Bank Holidays) A culture based around ongoing staff development including funded qualifications The ability to be a core part of our Claims proposition and assist in the development of it further About you: You'll have a good understanding of the claims market with a wide range of Commercial Insurance Knowledge, including Liability, Motor, Property and Ideally Professions risks. Able to communicate and influence effectively at all levels up to and including director level. A skill set that includes high level Analytical, IT and Communication skills (Verbal, Written, Video) coupled with a client first mindset.
From day one, our mission has been to create an independent business with a unique culture - one that is controlled by the people who work for it. Finding the most talented and entrepreneurial people has always been key to our success. People come to Howden for lots of different reasons, but they stay for the same one: our culture. That's what sets us apart, and why we nurture and retain the best talent in the market. Whatever your priorities - work/life balance, career progression, sustainability, volunteering - you'll find like-minded people driving change at Howden. At Howden, Corporate & Commercial, commercial insurance isn't just what we do - it's who we are. We support our clients through the complex landscape of commercial risk. We understand the diverse needs of businesses from large corporates to emerging ventures, meticulously crafting bespoke solutions to empower businesses to navigate uncertainty and achieve unwavering growth. Our depth of commercial insurance expertise allows us to protect client's assets and fuel their progress. When our clients prosper, we celebrate success with them; when challenges arise, we provide unwavering support. Howden, Corporate & Commercial are on the hunt for a Claims Handler to support their team to assist Claims Executives to provide clients with appropriate advice and a quality service to meet their individual insurance needs, whilst treating customers fairly and having regard to regulatory obligations and upholding a professional image. This role will see you taking a "hands on" approach to managing a portfolio of claims on an end-to-end basis. Please note this is a full-time, permanent opportunity. You will be based in our Bristol office and ideally be onsite for 2 days per week on average. Overview: Dealing with phone calls and post advising of claims. First Notice of Loss (FNOL) registration. FNOL management - ensuring all new claims are monitored and handled within our own service level agreement, including insurer's bespoke arrangements. Diary and report maintenance. Matching of all post/diary entries. Ensuring that the Claims Manager is fully aware of all issues or complaints. Ensuring that full compliance of our standards is maintained at all times. Adhere to Howden service standards and procedures, accepted good market practice, and the CII Code of Ethics, to ensure the best interest of the client at all times. Ensure compliance with the General Data Protection Regulations. Ensure all records and communications with clients are accurately recorded and filed in the correct manner. Knowledge: Working knowledge of all the main classes of General Insurance and the CII's Code of Ethics and GDPR. Must have a minimum of 2 years claims experience, ideally in motor, property, or liability. You must have previously worked for a brokerage to be successful for this role. Responsibility for own personal development and for keeping own knowledge up to date by the use of e-learning, in-house courses, and studying for professional qualifications in order to gain the required CPD points. Skills: Good level of technical insurance skills, to be assessed by regular in-house testing. Accuracy and attention to detail. Ability to process work quickly and efficiently. Ability to prioritise work and meet deadlines. Excellent client service skills. Good negotiation and broking skills. Excellent oral and written communication skills. Ability to identify and respond appropriately to an individual client's level of understanding. Qualifications: GCSE Maths and English (or equivalent). Cert CII (desirable for this role). Our Culture: People First We've travelled far since opening our first office in 1994. Back then we were local experts - based in London, with direct access to the world's biggest insurance market. We're still locals, and we still deliver the right advice and the right insurance to our clients. But now, we're local all over the world. With 15,000 global colleagues and a partner network spanning more than 100 territories, we are the largest independent insurance broker in the world. But our values haven't changed since day one, when we set out to create a company grounded in: An employee-ownership model Aligned external investors The trust and integrity born of friendship Expertise Independence Our focus on being a people-first business has always been at the very heart of Howden. Our vision was to create an independent business with a unique culture; one that would survive and thrive as a business controlled by the people working for it. Our employee ownership model sets us apart in the market. It's created a culture of collaboration and innovation, where we're driven to think bigger and empowered to challenge convention. Our flat structure and entrepreneurial spirit help us attract the best people and empower them to be the best version of themselves. And when we bring in and nurture great talent, more follows. That makes us better - and that's better for everyone. Diversity & Inclusion At Howden we consider our people our chief competitive advantage and as such we treat colleagues, candidates, clients, and business partners with equality, fairness and respect, regardless of their age, disability, race, religion or belief, gender, sexual orientation, marital status or family circumstances.
May 01, 2024
Full time
From day one, our mission has been to create an independent business with a unique culture - one that is controlled by the people who work for it. Finding the most talented and entrepreneurial people has always been key to our success. People come to Howden for lots of different reasons, but they stay for the same one: our culture. That's what sets us apart, and why we nurture and retain the best talent in the market. Whatever your priorities - work/life balance, career progression, sustainability, volunteering - you'll find like-minded people driving change at Howden. At Howden, Corporate & Commercial, commercial insurance isn't just what we do - it's who we are. We support our clients through the complex landscape of commercial risk. We understand the diverse needs of businesses from large corporates to emerging ventures, meticulously crafting bespoke solutions to empower businesses to navigate uncertainty and achieve unwavering growth. Our depth of commercial insurance expertise allows us to protect client's assets and fuel their progress. When our clients prosper, we celebrate success with them; when challenges arise, we provide unwavering support. Howden, Corporate & Commercial are on the hunt for a Claims Handler to support their team to assist Claims Executives to provide clients with appropriate advice and a quality service to meet their individual insurance needs, whilst treating customers fairly and having regard to regulatory obligations and upholding a professional image. This role will see you taking a "hands on" approach to managing a portfolio of claims on an end-to-end basis. Please note this is a full-time, permanent opportunity. You will be based in our Bristol office and ideally be onsite for 2 days per week on average. Overview: Dealing with phone calls and post advising of claims. First Notice of Loss (FNOL) registration. FNOL management - ensuring all new claims are monitored and handled within our own service level agreement, including insurer's bespoke arrangements. Diary and report maintenance. Matching of all post/diary entries. Ensuring that the Claims Manager is fully aware of all issues or complaints. Ensuring that full compliance of our standards is maintained at all times. Adhere to Howden service standards and procedures, accepted good market practice, and the CII Code of Ethics, to ensure the best interest of the client at all times. Ensure compliance with the General Data Protection Regulations. Ensure all records and communications with clients are accurately recorded and filed in the correct manner. Knowledge: Working knowledge of all the main classes of General Insurance and the CII's Code of Ethics and GDPR. Must have a minimum of 2 years claims experience, ideally in motor, property, or liability. You must have previously worked for a brokerage to be successful for this role. Responsibility for own personal development and for keeping own knowledge up to date by the use of e-learning, in-house courses, and studying for professional qualifications in order to gain the required CPD points. Skills: Good level of technical insurance skills, to be assessed by regular in-house testing. Accuracy and attention to detail. Ability to process work quickly and efficiently. Ability to prioritise work and meet deadlines. Excellent client service skills. Good negotiation and broking skills. Excellent oral and written communication skills. Ability to identify and respond appropriately to an individual client's level of understanding. Qualifications: GCSE Maths and English (or equivalent). Cert CII (desirable for this role). Our Culture: People First We've travelled far since opening our first office in 1994. Back then we were local experts - based in London, with direct access to the world's biggest insurance market. We're still locals, and we still deliver the right advice and the right insurance to our clients. But now, we're local all over the world. With 15,000 global colleagues and a partner network spanning more than 100 territories, we are the largest independent insurance broker in the world. But our values haven't changed since day one, when we set out to create a company grounded in: An employee-ownership model Aligned external investors The trust and integrity born of friendship Expertise Independence Our focus on being a people-first business has always been at the very heart of Howden. Our vision was to create an independent business with a unique culture; one that would survive and thrive as a business controlled by the people working for it. Our employee ownership model sets us apart in the market. It's created a culture of collaboration and innovation, where we're driven to think bigger and empowered to challenge convention. Our flat structure and entrepreneurial spirit help us attract the best people and empower them to be the best version of themselves. And when we bring in and nurture great talent, more follows. That makes us better - and that's better for everyone. Diversity & Inclusion At Howden we consider our people our chief competitive advantage and as such we treat colleagues, candidates, clients, and business partners with equality, fairness and respect, regardless of their age, disability, race, religion or belief, gender, sexual orientation, marital status or family circumstances.
Technical Consultant- Commercial Liability Direct Bromley & Manchester - Hybrid (1/2 days in the office) Full Time, Permanent Position Let's make the most of your talent. Join us as a Commercial Liability Direct Claims Consultant as part of our Large and Complex Loss Specialist Claims team, where you'll manage a variety of claims to resolution and shape excellence in claims handling. About us At Direct Line Group, insurance is just the start. Combining decades of industry experience with talented people in every field from data, technology, customer care and auto repair, to HR, finance, and procurement, we're a customer-obsessed market powerhouse. And we all work together to be brilliant for customers, every single day. It always feels good, helping people when they need it most. Taking calls, helping customers with queries, finding the right insurance product for their lifestyle. Helping to keep people safe on the roadside when their vehicle breaks down. Being a reassuring presence when someone needs to make a claim. Our contact centre teams give customers all kinds of support. It can get busy, but the culture, training and friendly teams are great here. What you'll be doing Reporting directly to the Technical Claims Team Leader, you will be responsible for the validation, investigation, negotiation and settlement of Multi-Branded commercial liability claims, proactively managing the end to end process of all third party claims. Establish and maintain accurate claim reserves within your own financial handling authority whilst controlling the overall expenditure throughout the lifecycle of the claim. Triage of new Liability Claims encompassing Employers Liability, Public Liability and Property Liability Claims, to include Disease and Products, validating policy cover, undertaking full investigations of claims giving consideration to injury triggers, liability and fraudulent claims. Robust control of indemnity, identifying the correct area of policy cover and the limits therein whilst having a clear understanding of when repudiation is required and the process to be undertaken. Effective gathering of information/desk-based investigations to enable early arrival at the correct liability decision giving consideration to both economic settlement and commercial considerations. Settle Third Party Claims within financial handling authority, up to a value of £50k, through active negotiation to achieve the optimum claims settlement using department and best practice strategies, whilst at all times giving appropriate consideration to avoidance of unjustified litigation. A practical understanding of all regulations (existing and new) relevant to each type of claim, such as The Six Pack Regulations for workplace claims, the Defective Premises Act , Occupiers Liability Act 1957 and Landlord and Tenant Act 1985 for Public Liability and Property Owners Liability cases. In addition, the ability to establish where there is a Common Law Duty of Care/ Vicarious Liability. Also a practical knowledge of MOJ is required, as is an ability to deal with cases emanating from both Scotland and Northern Ireland with their differing legal frameworks. Handle and deal with all Low Value Pre-Action Protocol injury (MOJ Stage 3) litigation up to the portal value of £25,000 within court deadlines, liaising with Counsel as appropriate. Refer all other litigated cases (non MOJ) requiring legal intervention to our Panel Solicitors. Manage and own the customer experience (including third party), ensuring adherence at all times to the principles of Treating Customers Fairly, highlighting where you do not feel our processes support contribution to the overall success of the business Manage and maintain effective relationship with both internal (Counter Fraud, Underwriting etc) and external stakeholders (Rehabilitation providers, medical experts, Counsel, Forensic Accountants, Brokers, Panel Solicitors etc) to ensure adherence to internal and external policies, procedures and governance. Proactively identifying trends and using relevant data and information to understand and promote emerging issues, maintaining an awareness of solicitor behaviours and changes in relevant legislation to understand the market place and claims handling approaches, provide suggestions for improvements Identify, own and manage the risks involved in running our business appropriate to my role, in line with the DLG risk framework. What we're looking for Ability/experience of handling claims involving, Employers Liability, Public Liability and Property Liability, as well as Disease and Product claims. Ability/experience in managing, end-to-end claims processes, with a preference for experience handling claims valued up to £50K An understanding of common law and insurance-related legislation Strong problem-solving skills, including the capacity to analyse complex issues, identify root causes, and formulate effective solutions. A proactive and results-oriented approach to work, with the drive to meet and exceed performance targets. What we offer in return We wouldn't be where we are today without our people and the wide variety of perspectives and life experiences they bring. That's why we offer excellent benefits to suit your lifestyle and a flexible working model combining the best parts of home and office-working, varying with the nature of your role. Core benefits include: Generous 9% employer pension contribution 22 days holiday allowance (plus the option to buy or sell up to 5 days each year) 50% off home, motor and pet insurance Free travel insurance and Green Flag breakdown cover Additional optional Health and Dental insurance Plus, many more There's no-one else like you. No-one with the exact same mix of strengths, quirks, skills and thoughts. That's why you could belong here. As part of a team of brilliant individuals, in a place that empowers you to be the best you can be. We're proud of who we are, of what we do, and what every single one of us brings. Every person, team, Squad, Tribe and Chapter, across every business that makes our Group. And we're happy to say we're customer obsessed. Join us. Help us keep innovating and putting customers at the heart of everything. To be an insurance company of the future. When we work together, we can all achieve great things. Inspiring, challenging, and supporting each other to aim higher. Difference makes us who we are. We believe everyone should feel comfortable to bring their whole selves to work - that's why we champion diverse voices, build workplaces that work for people, and invest in the things that matter. From senior leadership to inclusivity networks, adaptive working to inclusion training, we've made it our mission to give you everything you need to be authentically you. Discover more at Together, we're one of a kind Ways of Working Our hybrid model way of working offers a 'best of both worlds' approach combining the best parts of home and office-working, offering flexibility for everyone. When you'll be in the office depends on your role, but most colleagues are in 2 days a week, and we'll consider the flexible working options that work best for you. Read our flexible working approach here Hours: 35 hours (Monday to Friday, 9am to 5pm)
Apr 29, 2024
Full time
Technical Consultant- Commercial Liability Direct Bromley & Manchester - Hybrid (1/2 days in the office) Full Time, Permanent Position Let's make the most of your talent. Join us as a Commercial Liability Direct Claims Consultant as part of our Large and Complex Loss Specialist Claims team, where you'll manage a variety of claims to resolution and shape excellence in claims handling. About us At Direct Line Group, insurance is just the start. Combining decades of industry experience with talented people in every field from data, technology, customer care and auto repair, to HR, finance, and procurement, we're a customer-obsessed market powerhouse. And we all work together to be brilliant for customers, every single day. It always feels good, helping people when they need it most. Taking calls, helping customers with queries, finding the right insurance product for their lifestyle. Helping to keep people safe on the roadside when their vehicle breaks down. Being a reassuring presence when someone needs to make a claim. Our contact centre teams give customers all kinds of support. It can get busy, but the culture, training and friendly teams are great here. What you'll be doing Reporting directly to the Technical Claims Team Leader, you will be responsible for the validation, investigation, negotiation and settlement of Multi-Branded commercial liability claims, proactively managing the end to end process of all third party claims. Establish and maintain accurate claim reserves within your own financial handling authority whilst controlling the overall expenditure throughout the lifecycle of the claim. Triage of new Liability Claims encompassing Employers Liability, Public Liability and Property Liability Claims, to include Disease and Products, validating policy cover, undertaking full investigations of claims giving consideration to injury triggers, liability and fraudulent claims. Robust control of indemnity, identifying the correct area of policy cover and the limits therein whilst having a clear understanding of when repudiation is required and the process to be undertaken. Effective gathering of information/desk-based investigations to enable early arrival at the correct liability decision giving consideration to both economic settlement and commercial considerations. Settle Third Party Claims within financial handling authority, up to a value of £50k, through active negotiation to achieve the optimum claims settlement using department and best practice strategies, whilst at all times giving appropriate consideration to avoidance of unjustified litigation. A practical understanding of all regulations (existing and new) relevant to each type of claim, such as The Six Pack Regulations for workplace claims, the Defective Premises Act , Occupiers Liability Act 1957 and Landlord and Tenant Act 1985 for Public Liability and Property Owners Liability cases. In addition, the ability to establish where there is a Common Law Duty of Care/ Vicarious Liability. Also a practical knowledge of MOJ is required, as is an ability to deal with cases emanating from both Scotland and Northern Ireland with their differing legal frameworks. Handle and deal with all Low Value Pre-Action Protocol injury (MOJ Stage 3) litigation up to the portal value of £25,000 within court deadlines, liaising with Counsel as appropriate. Refer all other litigated cases (non MOJ) requiring legal intervention to our Panel Solicitors. Manage and own the customer experience (including third party), ensuring adherence at all times to the principles of Treating Customers Fairly, highlighting where you do not feel our processes support contribution to the overall success of the business Manage and maintain effective relationship with both internal (Counter Fraud, Underwriting etc) and external stakeholders (Rehabilitation providers, medical experts, Counsel, Forensic Accountants, Brokers, Panel Solicitors etc) to ensure adherence to internal and external policies, procedures and governance. Proactively identifying trends and using relevant data and information to understand and promote emerging issues, maintaining an awareness of solicitor behaviours and changes in relevant legislation to understand the market place and claims handling approaches, provide suggestions for improvements Identify, own and manage the risks involved in running our business appropriate to my role, in line with the DLG risk framework. What we're looking for Ability/experience of handling claims involving, Employers Liability, Public Liability and Property Liability, as well as Disease and Product claims. Ability/experience in managing, end-to-end claims processes, with a preference for experience handling claims valued up to £50K An understanding of common law and insurance-related legislation Strong problem-solving skills, including the capacity to analyse complex issues, identify root causes, and formulate effective solutions. A proactive and results-oriented approach to work, with the drive to meet and exceed performance targets. What we offer in return We wouldn't be where we are today without our people and the wide variety of perspectives and life experiences they bring. That's why we offer excellent benefits to suit your lifestyle and a flexible working model combining the best parts of home and office-working, varying with the nature of your role. Core benefits include: Generous 9% employer pension contribution 22 days holiday allowance (plus the option to buy or sell up to 5 days each year) 50% off home, motor and pet insurance Free travel insurance and Green Flag breakdown cover Additional optional Health and Dental insurance Plus, many more There's no-one else like you. No-one with the exact same mix of strengths, quirks, skills and thoughts. That's why you could belong here. As part of a team of brilliant individuals, in a place that empowers you to be the best you can be. We're proud of who we are, of what we do, and what every single one of us brings. Every person, team, Squad, Tribe and Chapter, across every business that makes our Group. And we're happy to say we're customer obsessed. Join us. Help us keep innovating and putting customers at the heart of everything. To be an insurance company of the future. When we work together, we can all achieve great things. Inspiring, challenging, and supporting each other to aim higher. Difference makes us who we are. We believe everyone should feel comfortable to bring their whole selves to work - that's why we champion diverse voices, build workplaces that work for people, and invest in the things that matter. From senior leadership to inclusivity networks, adaptive working to inclusion training, we've made it our mission to give you everything you need to be authentically you. Discover more at Together, we're one of a kind Ways of Working Our hybrid model way of working offers a 'best of both worlds' approach combining the best parts of home and office-working, offering flexibility for everyone. When you'll be in the office depends on your role, but most colleagues are in 2 days a week, and we'll consider the flexible working options that work best for you. Read our flexible working approach here Hours: 35 hours (Monday to Friday, 9am to 5pm)
Technical Consultant- Commercial Liability Direct Bromley & Manchester - Hybrid (1/2 days in the office) Full Time, Permanent Position Let's make the most of your talent. Join us as a Commercial Liability Direct Claims Consultant as part of our Large and Complex Loss Specialist Claims team, where you'll manage a variety of claims to resolution and shape excellence in claims handling. About us At Direct Line Group, insurance is just the start. Combining decades of industry experience with talented people in every field from data, technology, customer care and auto repair, to HR, finance, and procurement, we're a customer-obsessed market powerhouse. And we all work together to be brilliant for customers, every single day. It always feels good, helping people when they need it most. Taking calls, helping customers with queries, finding the right insurance product for their lifestyle. Helping to keep people safe on the roadside when their vehicle breaks down. Being a reassuring presence when someone needs to make a claim. Our contact centre teams give customers all kinds of support. It can get busy, but the culture, training and friendly teams are great here. What you'll be doing Reporting directly to the Technical Claims Team Leader, you will be responsible for the validation, investigation, negotiation and settlement of Multi-Branded commercial liability claims, proactively managing the end to end process of all third party claims. Establish and maintain accurate claim reserves within your own financial handling authority whilst controlling the overall expenditure throughout the lifecycle of the claim. Triage of new Liability Claims encompassing Employers Liability, Public Liability and Property Liability Claims, to include Disease and Products, validating policy cover, undertaking full investigations of claims giving consideration to injury triggers, liability and fraudulent claims. Robust control of indemnity, identifying the correct area of policy cover and the limits therein whilst having a clear understanding of when repudiation is required and the process to be undertaken. Effective gathering of information/desk-based investigations to enable early arrival at the correct liability decision giving consideration to both economic settlement and commercial considerations. Settle Third Party Claims within financial handling authority, up to a value of £50k, through active negotiation to achieve the optimum claims settlement using department and best practice strategies, whilst at all times giving appropriate consideration to avoidance of unjustified litigation. A practical understanding of all regulations (existing and new) relevant to each type of claim, such as The Six Pack Regulations for workplace claims, the Defective Premises Act , Occupiers Liability Act 1957 and Landlord and Tenant Act 1985 for Public Liability and Property Owners Liability cases. In addition, the ability to establish where there is a Common Law Duty of Care/ Vicarious Liability. Also a practical knowledge of MOJ is required, as is an ability to deal with cases emanating from both Scotland and Northern Ireland with their differing legal frameworks. Handle and deal with all Low Value Pre-Action Protocol injury (MOJ Stage 3) litigation up to the portal value of £25,000 within court deadlines, liaising with Counsel as appropriate. Refer all other litigated cases (non MOJ) requiring legal intervention to our Panel Solicitors. Manage and own the customer experience (including third party), ensuring adherence at all times to the principles of Treating Customers Fairly, highlighting where you do not feel our processes support contribution to the overall success of the business Manage and maintain effective relationship with both internal (Counter Fraud, Underwriting etc) and external stakeholders (Rehabilitation providers, medical experts, Counsel, Forensic Accountants, Brokers, Panel Solicitors etc) to ensure adherence to internal and external policies, procedures and governance. Proactively identifying trends and using relevant data and information to understand and promote emerging issues, maintaining an awareness of solicitor behaviours and changes in relevant legislation to understand the market place and claims handling approaches, provide suggestions for improvements Identify, own and manage the risks involved in running our business appropriate to my role, in line with the DLG risk framework. What we're looking for Ability/experience of handling claims involving, Employers Liability, Public Liability and Property Liability, as well as Disease and Product claims. Ability/experience in managing, end-to-end claims processes, with a preference for experience handling claims valued up to £50K An understanding of common law and insurance-related legislation Strong problem-solving skills, including the capacity to analyse complex issues, identify root causes, and formulate effective solutions. A proactive and results-oriented approach to work, with the drive to meet and exceed performance targets. What we offer in return We wouldn't be where we are today without our people and the wide variety of perspectives and life experiences they bring. That's why we offer excellent benefits to suit your lifestyle and a flexible working model combining the best parts of home and office-working, varying with the nature of your role. Core benefits include: Generous 9% employer pension contribution 22 days holiday allowance (plus the option to buy or sell up to 5 days each year) 50% off home, motor and pet insurance Free travel insurance and Green Flag breakdown cover Additional optional Health and Dental insurance Plus, many more There's no-one else like you. No-one with the exact same mix of strengths, quirks, skills and thoughts. That's why you could belong here. As part of a team of brilliant individuals, in a place that empowers you to be the best you can be. We're proud of who we are, of what we do, and what every single one of us brings. Every person, team, Squad, Tribe and Chapter, across every business that makes our Group. And we're happy to say we're customer obsessed. Join us. Help us keep innovating and putting customers at the heart of everything. To be an insurance company of the future. When we work together, we can all achieve great things. Inspiring, challenging, and supporting each other to aim higher. Difference makes us who we are. We believe everyone should feel comfortable to bring their whole selves to work - that's why we champion diverse voices, build workplaces that work for people, and invest in the things that matter. From senior leadership to inclusivity networks, adaptive working to inclusion training, we've made it our mission to give you everything you need to be authentically you. Discover more at Together, we're one of a kind Ways of Working Our hybrid model way of working offers a 'best of both worlds' approach combining the best parts of home and office-working, offering flexibility for everyone. When you'll be in the office depends on your role, but most colleagues are in 2 days a week, and we'll consider the flexible working options that work best for you. Read our flexible working approach here Hours: 35 hours (Monday to Friday, 9am to 5pm)
Apr 29, 2024
Full time
Technical Consultant- Commercial Liability Direct Bromley & Manchester - Hybrid (1/2 days in the office) Full Time, Permanent Position Let's make the most of your talent. Join us as a Commercial Liability Direct Claims Consultant as part of our Large and Complex Loss Specialist Claims team, where you'll manage a variety of claims to resolution and shape excellence in claims handling. About us At Direct Line Group, insurance is just the start. Combining decades of industry experience with talented people in every field from data, technology, customer care and auto repair, to HR, finance, and procurement, we're a customer-obsessed market powerhouse. And we all work together to be brilliant for customers, every single day. It always feels good, helping people when they need it most. Taking calls, helping customers with queries, finding the right insurance product for their lifestyle. Helping to keep people safe on the roadside when their vehicle breaks down. Being a reassuring presence when someone needs to make a claim. Our contact centre teams give customers all kinds of support. It can get busy, but the culture, training and friendly teams are great here. What you'll be doing Reporting directly to the Technical Claims Team Leader, you will be responsible for the validation, investigation, negotiation and settlement of Multi-Branded commercial liability claims, proactively managing the end to end process of all third party claims. Establish and maintain accurate claim reserves within your own financial handling authority whilst controlling the overall expenditure throughout the lifecycle of the claim. Triage of new Liability Claims encompassing Employers Liability, Public Liability and Property Liability Claims, to include Disease and Products, validating policy cover, undertaking full investigations of claims giving consideration to injury triggers, liability and fraudulent claims. Robust control of indemnity, identifying the correct area of policy cover and the limits therein whilst having a clear understanding of when repudiation is required and the process to be undertaken. Effective gathering of information/desk-based investigations to enable early arrival at the correct liability decision giving consideration to both economic settlement and commercial considerations. Settle Third Party Claims within financial handling authority, up to a value of £50k, through active negotiation to achieve the optimum claims settlement using department and best practice strategies, whilst at all times giving appropriate consideration to avoidance of unjustified litigation. A practical understanding of all regulations (existing and new) relevant to each type of claim, such as The Six Pack Regulations for workplace claims, the Defective Premises Act , Occupiers Liability Act 1957 and Landlord and Tenant Act 1985 for Public Liability and Property Owners Liability cases. In addition, the ability to establish where there is a Common Law Duty of Care/ Vicarious Liability. Also a practical knowledge of MOJ is required, as is an ability to deal with cases emanating from both Scotland and Northern Ireland with their differing legal frameworks. Handle and deal with all Low Value Pre-Action Protocol injury (MOJ Stage 3) litigation up to the portal value of £25,000 within court deadlines, liaising with Counsel as appropriate. Refer all other litigated cases (non MOJ) requiring legal intervention to our Panel Solicitors. Manage and own the customer experience (including third party), ensuring adherence at all times to the principles of Treating Customers Fairly, highlighting where you do not feel our processes support contribution to the overall success of the business Manage and maintain effective relationship with both internal (Counter Fraud, Underwriting etc) and external stakeholders (Rehabilitation providers, medical experts, Counsel, Forensic Accountants, Brokers, Panel Solicitors etc) to ensure adherence to internal and external policies, procedures and governance. Proactively identifying trends and using relevant data and information to understand and promote emerging issues, maintaining an awareness of solicitor behaviours and changes in relevant legislation to understand the market place and claims handling approaches, provide suggestions for improvements Identify, own and manage the risks involved in running our business appropriate to my role, in line with the DLG risk framework. What we're looking for Ability/experience of handling claims involving, Employers Liability, Public Liability and Property Liability, as well as Disease and Product claims. Ability/experience in managing, end-to-end claims processes, with a preference for experience handling claims valued up to £50K An understanding of common law and insurance-related legislation Strong problem-solving skills, including the capacity to analyse complex issues, identify root causes, and formulate effective solutions. A proactive and results-oriented approach to work, with the drive to meet and exceed performance targets. What we offer in return We wouldn't be where we are today without our people and the wide variety of perspectives and life experiences they bring. That's why we offer excellent benefits to suit your lifestyle and a flexible working model combining the best parts of home and office-working, varying with the nature of your role. Core benefits include: Generous 9% employer pension contribution 22 days holiday allowance (plus the option to buy or sell up to 5 days each year) 50% off home, motor and pet insurance Free travel insurance and Green Flag breakdown cover Additional optional Health and Dental insurance Plus, many more There's no-one else like you. No-one with the exact same mix of strengths, quirks, skills and thoughts. That's why you could belong here. As part of a team of brilliant individuals, in a place that empowers you to be the best you can be. We're proud of who we are, of what we do, and what every single one of us brings. Every person, team, Squad, Tribe and Chapter, across every business that makes our Group. And we're happy to say we're customer obsessed. Join us. Help us keep innovating and putting customers at the heart of everything. To be an insurance company of the future. When we work together, we can all achieve great things. Inspiring, challenging, and supporting each other to aim higher. Difference makes us who we are. We believe everyone should feel comfortable to bring their whole selves to work - that's why we champion diverse voices, build workplaces that work for people, and invest in the things that matter. From senior leadership to inclusivity networks, adaptive working to inclusion training, we've made it our mission to give you everything you need to be authentically you. Discover more at Together, we're one of a kind Ways of Working Our hybrid model way of working offers a 'best of both worlds' approach combining the best parts of home and office-working, offering flexibility for everyone. When you'll be in the office depends on your role, but most colleagues are in 2 days a week, and we'll consider the flexible working options that work best for you. Read our flexible working approach here Hours: 35 hours (Monday to Friday, 9am to 5pm)