Claims Executive - Commercial & Schemes

Job summary

Manage commercial insurance claims from notification through settlement, including complex or contentious losses, and advise clients throughout the claims process. Coordinate with brokers, insurers, loss adjusters, legal representatives, and other stakeholders; investigate significant losses, prepare robust claims submissions, and negotiate settlements.

Job details

Who are we? Howden is a global insurance group with employee ownership at its heart. Together, we have pushed the boundaries of insurance. We are united by a shared passion and no-limits mindset, and our strength lies in our ability to collaborate as a powerful international team comprised of 24,000 employees spanning over 56 countries. People join Howden for many different reasons, but they stay for the same one: our culture. It’s what sets us apart, and the reason our employees have been turning down headhunters for years. Whatever your priorities – work / life balance, career progression, sustainability, volunteering – you’ll find like-minded people driving change at Howden. At Howden, Commercial & Schemes, commercial insurance isn't just what we do, it's who we are. We support clients through the complex world of commercial risk, providing expert advice and tailored solutions that help businesses navigate uncertainty and achieve their ambitions. We're looking for a Claims Executive to join our established Claims team. This is an excellent opportunity for an experienced commercial claims professional who enjoys building client relationships, managing complex claims and working collaboratively with broking colleagues to deliver outstanding service. Working with clients across a broad range of commercial sectors, from SMEs through to larger commercial organisations, you'll act as a trusted adviser throughout the claims journey, supporting clients when they need us most and helping secure the best possible outcomes. Please note this is a full-time, permanent opportunity. You will ideally be based in our Manchester office two - three days per week. Overview Manage commercial insurance claims from notification through to settlement, including larger, more complex or contentious losses. Act as a trusted adviser to clients, providing guidance and support throughout the claims process while delivering a high-quality claims experience. Work closely with brokers, insurers, loss adjusters, legal representatives and other stakeholders to achieve timely and effective claim resolution. Visit clients following significant losses to investigate circumstances, gather information and help build robust claims submissions. Negotiate with insurers to secure the best possible settlement in line with policy coverage. Partner closely with a Claims Handler to deliver a seamless and efficient service to clients. Build strong working relationships with clients and colleagues, helping to support retention and strengthen our client proposition. Knowledge Strong understanding of commercial insurance policies, coverage types and claims procedures (essential). Previous commercial claims experience within an insurance brokerage environment (essential). Strong client relationship management experience (essential). Understanding of insurance principles, market practice and relevant regulatory requirements. Skills Excellent analytical, problem-solving and decision-making skills (essential). Strong communication, negotiation and stakeholder management skills (essential). Customer-focused approach with the ability to build trusted client relationships (essential). Ability to work independently, manage competing priorities and meet deadlines in a fast-paced environment. Confident and resilient when handling complex or contentious claims. Demonstrates empathy and professionalism when supporting clients through difficult claims situations (essential). Qualifications GCSE Maths and English (or equivalent). A Levels (desirable). CII qualifications or working towards CII (desirable). What do we offer in return? A Career That You Define. At Howden, We Value Diversity – There Is No One Howden Type. Instead, We’re Looking For Individuals Who Share The Same Values As Us Our successes have all come from someone brave enough to try something new We support each other in the small everyday moments and the bigger challenges We are determined to make a positive difference at work and beyond Reasonable adjustments We're committed to providing reasonable accommodations at Howden to ensure that our positions align well with your needs. Besides the usual adjustments such as software, IT, and office setups, we can also accommodate other changes such as flexible hours* or hybrid working*. If you're excited by this role but have some doubts about whether it’s the right fit for you, send us your application – if your profile fits the role’s criteria, we will be in touch to assist in helping to get you set up with any reasonable adjustments you may require. Not all positions can accommodate changes to working hours or locations. Reach out to your Recruitment Partner if you want to know more. Permanent

What you’ll do

Manage commercial insurance claims from notification through settlement, including complex or contentious losses, and advise clients throughout the claims process. Coordinate with brokers, insurers, loss adjusters, legal representatives, and other stakeholders; investigate significant losses, prepare robust claims submissions, and negotiate settlements.

Requirements

Candidates need commercial claims experience in an insurance brokerage, a strong understanding of commercial policies and claims procedures, and proven client relationship skills. They should also demonstrate strong analytical, communication, negotiation, and stakeholder management abilities; GCSE Maths and English are specified, while A Levels and CII qualifications are desirable.

Listed skills

• Problem solving · Preferred
• Regulatory Compliance · Preferred
• Decision Making · Preferred
• Communication · Preferred
• Prioritization · Preferred
• Client Relationship Management · Preferred
• Stakeholder Management · Preferred

Other relevant skills

Identified from the job description. Confirm important requirements above.

• Commercial Claims Management
• Insurance Policy Coverage
• Claims Negotiation
• Client Relationship Management
• Stakeholder Management
• Analytical Skills
• Problem-Solving
• Decision-Making
• Communication
• Claims Investigation
• Claims Submission Preparation
• Insurance Market Practice
• Regulatory Compliance
• Prioritization
• Resilience
• Empathy

Job areas

• Customer Service & Support
• Finance & Accounting
• Sales

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