Overview
Insurance adjusters investigate insurance claims and determine the amount of loss or damages covered by insurance policies. They are employed in claims departments of insurance companies or as independent adjusters. Insurance claims examiners examine claims investigated by insurance adjusters and authorize payments. They are employed at head offices or branches of insurance companies.
This group performs some or all of the following duties:
Insurance adjusters
Investigate circumstances surrounding insurance claims to determine validity of claim
Inspect automobile, home or other property damage
Take statements and consult with claimants, accident witnesses, doctors and other relevant individuals and examine records or reports
Determine amount of loss or damages covered by insurance policies
Negotiate settlement of claims
Prepare adjustment reports.
Insurance claims examiners
Review, examine, calculate and authorize insurance claims investigated by insurance adjusters
Examine adjusters' reports and similar insurance claims or precedents to determine extent of insurance coverage
Ensure claims are valid and settlements are made according to company practices and procedures
Consult lawyers, doctors or other relevant individuals to discuss insurance claims
Approve automobile, fire, life, disability, dental or other insurance claims.
Employment prospects
Annual salary
$60,482
$83,215
$109,244
Job openings
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Strong job outlook
British Columbia
815expected job openings (5-year forecast)
Education and training
Employment requirements
Completion of secondary school is required.
A bachelor's degree, college diploma or some post-secondary education or Several years of experience as a clerk in the claims department or other general insurance experience is required.
Several years of on-the-job training and completion of insurance industry courses and training programs are required.
Additional information
Completion of educational programs through the Insurance Institute of Canada or its provincial counterparts entitles insurance adjusters and claims examiners to professional recognition as a Chartered Insurance Professional (CIP), and with additional university courses, as a Fellow Chartered Insurance Professional (FCIP).
Certification requirements
Mandatory: You need the following certification to practice as Insurance adjusters and claims examiners in B.C.
- Insurance Council of British Columbia - Insurance Adjusters
Insurance Council of British Columbia - Insurance Adjusters
Confirm with the certifying body that your intended program qualifies you for this certification.
To work as an insurance agent, salesperson, or adjuster in B.C., you must be licensed by the Insurance Council of B.C. Eligibility is achieved by meeting education and licensing requirements.
Work Experience
Work experience required
Post-secondary programs in B.C.
Explore programs related to this career offered at post-secondary institutions in B.C.