Liability Claims Handler

Office Location: Basildon

Salary: negotiable

Hours: 9.00am to 5.00pm with 1 hour lunch break

Hybrid Working - Minimum 3 days in the office

Company Overview

Brown & Brown Claims

Brown & Brown is the 5th largest intermediary business in the world with over 23,000 teammates and offices throughout the US and Europe. Brown & Brown Claims is the in-house claims team responsible for handling claims on behalf of the international underwriting division. The department manages a diverse portfolio of household, commercial and liability claims, supporting customers from first notification of loss through to settlement while delivering excellent customer outcomes and maintaining strong insurer relationships.

Role Summary

Purpose of Role

Reporting directly to the Senior Claims Supervisor, the Liability Claims Handler is responsible for the investigation, validation, negotiation and settlement of Third-Party Property Damage (TPPD) claims arising under combined liability insurance policies.

Whilst the primary focus of the role is the handling of Third-Party Property Damage claims, the successful candidate will also manage a small allocation of lower-value Personal Injury claims. This will include minor injury and straightforward bodily injury matters, requiring the handler to assess medical evidence, evaluate quantum, consider causation and negotiate settlements in line with insurer philosophy and prevailing claims protocols. An understanding of personal injury claims handling principles is therefore highly desirable and will support effective management of the wider liability portfolio.

This is a technically focused claims handling role requiring a strong understanding of liability principles, insurance policy coverage, evidential requirements and litigation risk. The postholder will independently manage a caseload of claims ranging from straightforward incidents through to complex and disputed liability matters involving substantial third-party losses.

The Claims Handler will work closely with policyholders, claimants, brokers, insurers, solicitors, engineers, loss adjusters and other stakeholders to ensure claims are resolved efficiently whilst controlling indemnity spend, reducing lifecycle times and protecting insurer interests.

Accurate and timely maintenance of claim files and management information on the Pro-Claim claims management system is an essential requirement.

Duties & Responsibilities

• Manage a portfolio of Third-Party Liability claims from first notification through to settlement and closure.
• Manage a small portfolio of low-value Personal Injury claims, including liability assessment, review of medical evidence, reserve management and claims settlement.
• Review incident circumstances and determine liability based on available evidence, legal precedent and insurer strategy.
• Analyse photographs, witness statements, engineering reports, repair estimates, invoices and other supporting documentation.
• Conduct detailed liability investigations and identify potential fraud indicators, policy breaches or coverage concerns.
• Apply a sound understanding of negligence law, duty of care, causation and contributory negligence principles when assessing claims.
• Assess injury claims in accordance with relevant legislation, claims protocols and insurer handling guidelines.
• Negotiate injury settlements with claimants, representatives and third-party insurers to achieve fair and commercially sound outcomes.
• Ensure all reserves are reviewed regularly and maintained at accurate levels in accordance with claims handling guidelines.
• Proactively manage claim lifecycles to minimise unnecessary delays and meet agreed service standards.
• Escalate technically complex, high-value or litigated claims where required.
• Ensure compliance with insurer authorities, delegated claims handling agreements and internal governance requirements.
• Maintain accurate and comprehensive file notes and claim documentation on the Pro-Claim system.
• Respond to incoming correspondence, emails and telephone enquiries within agreed service standards.
• Liaise effectively with suppliers, engineers, loss adjusters and legal representatives to facilitate claim progression.
• Identify customer vulnerabilities and ensure all customers receive fair treatment in line with regulatory expectations.
• Maintain the company's ethical standards, values and commitment to delivering excellent customer service.