Major and Complex Loss Adjuster
Make sure to apply with all the requested information, as laid out in the job overview below.
Nationwide Roles (Remote)
Competative Salary + Car/Allowance + Bonuses
We are working with a global leader in claims management and loss adjusting services to identify an exceptional Major & Complex Loss (MCL) Adjuster. This is a high-profile appointment suited to a technically accomplished professional who thrives on handling large, complex, and high-value claims across a broad range of lines.
You will play a central role in managing significant losses from first instruction through to settlement, acting as a trusted partner to insurers, brokers and policyholders on some of the most demanding and reputationally sensitive cases in the market.
As a Major & Complex Loss Adjuster, you will take full ownership of a caseload of high-value and technically challenging claims. You will be expected to exercise sound judgement, deploy specialist expertise, and deliver outcomes that meet both commercial and client expectations.
Key Responsibilities
* Manage a portfolio of major and complex losses from instruction through to resolution, including large property, liability, BI and catastrophe losses
* Conduct thorough site investigations, assessments and cause-and-origin analysis across domestic, commercial and industrial risks
* Prepare detailed technical reports, coverage opinions and quantum assessments for insurers and Lloyd's markets
* Lead coverage analysis, policy interpretation and liability determination on complex, multi-party claims
* Appoint, instruct and manage specialist third parties including forensic accountants, engineers, legal counsel and restoration contractors
* Actively manage business interruption claims, including loss of profits, increased cost of working and contingent BI
* Engage directly with senior stakeholders: insurers, brokers, risk managers, legal teams and C-suite representatives
* Manage claims proactively to control indemnity spend, minimise lifecycle costs and achieve timely resolution
* Support and mentor junior adjusters and contribute to technical best practice across the team
* Maintain accurate claims records, financial reserves and diary management in line with client SLAs and regulatory requirements
Experience
* Proven track record handling major and complex losses with values typically exceeding £500k
* Deep technical knowledge across property (commercial and industrial), business interruption and/or liability lines
* Experience adjusting for Lloyd's of London and/or London Market insurers
* Strong coverage and policy interpretation skills across a wide range of wordings
* Demonstrated ability to manage large, multi-stakeholder losses independently from cradle to grave
* Excellent written communication skills, including technical report writing and reserve justification
* Desirable Experience
* Experience in catastrophe or large loss response environments
* Exposure to construction, engineering, marine or specialist lines
* Prior involvement in complex litigation support or arbitration
* Experience leading or mentoring adjusting teams
Key Skills
* Exceptional analytical and problem-solving capability on technically complex losses
* Commercial acumen with the ability to balance indemnity control with client satisfaction
* Strong negotiation skills with the confidence to engage at board xxuwjjq and senior broker level
* High degree of resilience and composure under pressure, including catastrophe surge scenarios
* Strong organisation and prioritisation skills across a varied and demanding caseload
* Collaborative approach with the ability to build and maintain trusted relationships across the market
Qualifications
* ACII, FCII or equivalent insurance qualification (preferred)
* FCILA or working towards Chartered Loss Adjuster status (desirable)
* Degree-level education or equivalent professional experience
* Full UK driving licence
Package
* Highly competitive salary benchmarked to experience and market rate
* Performance-related bonus scheme
* Comprehensive benefits package including pension, private medical and life assurance
* Flexible and hybrid working arrangements
* Structured career development with access to professional qualifications support
* Exposure to some of the most technically challenging and high-profile losses in the UK market
* A genuinely collaborative culture within a globally recognised brand