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Major and complex Loss Adjuster – Nationwide
Major and Complex Loss Adjuster
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 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
Job Contact
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