Full job descriptionSenior Claims Handler – EL / PL


Job Market – Liability / Casualty Claims


Senior Claims Handler – EL / PL - About the Role
My client are looking for an experienced Senior Claims Handler – EL/PL to join their specialist liability claims team who manages a diverse portfolio of liability claims on behalf of leading insurers.
As a Senior Claims Handler, you will take ownership of claims from cradle to grave, providing a proactive, technically excellent claims service in line with each insurer’s claims philosophy, policy requirements and agreed service standards.
The role will primarily involve handling complex claims above the £25,000 fast-track threshold, requiring strong technical knowledge, sound judgement and excellent negotiation skills.


Senior Claims Handler – EL / PL – Key duties
*Establish policy coverage and confirm whether the appropriate indemnity is in place.
*Accurately record and maintain claims information on the digital claims handling system.
*Proactively investigate liability claims through desk-based investigations and, where appropriate, by instructing loss adjusters and other specialists.
*Assess evidence and make informed decisions on liability.
*Manage claims proactively through to resolution, including negotiating appropriate settlements.
*Ensure claims are handled in accordance with relevant legislation, legal timescales, client SLAs and internal procedures.
*Build and maintain strong relationships with insurers, brokers, solicitors, loss adjusters and other key stakeholders.
*Apply knowledge of policy wordings, terms and conditions when assessing coverage and liability.
*Accurately value personal injury claims and maintain appropriate reserves in line with reserving philosophies.
*Demonstrate a strong understanding of the Civil Procedure Rules and Claims Portal.
*Handle a broad range of Casualty claims, including Personal Injury, Employers’ Liability, Public Liability, Construction and Products Liability.
*Apply technical knowledge across relevant UK jurisdictions.
*Authorise claims payments within agreed financial authority limits.
*Support the development of junior colleagues by providing coaching, mentoring and technical guidance.
*Contribute to the continuous improvement of claims-handling standards and processes.


Senior Claims Handler – EL / PL – Key requirements
Strong technical knowledge across a range of EL/PL and Casualty claims.
Experience handling complex and higher-value personal injury claims.
A good understanding of policy coverage, wordings and terms and conditions.
Strong knowledge of the UK insurance market and liability claims environment.
Experience assessing and valuing personal injury claims.
A sound understanding of claims reserving principles.
Knowledge of the Civil Procedure Rules and Claims Portal.
Strong negotiation and decision-making skills.
The ability to manage a caseload proactively from initial notification through to settlement.
Experience working within client SLAs and regulatory/legal deadlines.
Experience within an insurance, claims or legal environment.