About the Position

Senior Inherent Defects Claims Handler

Location: Manchester, United Kingdom

Job type: Full-Time

Work mode: Hybrid

About Us

HSB (UK and Ireland) is a leading specialist provider of engineering, technology, and structural warranty insurance solutions, plant and equipment inspection services, and engineering-based risk management activities in the UK and Ireland. HSB is the UK and Ireland’s only group of companies solely focused on providing specialist engineering and technology insurance solutions and risk-focused inspection services and assessments to its customers.

Job Purpose

The IDI Senior Claims Handler is responsible for handling claims emanating from the Inherent Defect Products both directly for HSB and our Outsourced Delegated Partners. This role is essential in ensuring exceptional customer service to HSB’s claims customers, our Delegated Claims Agreement Partners, and both internal and external stakeholders, ensuring that claims are handled proactively, competently, and in line with HSB service level agreements.

Responsibilities

Delivery of claims handling activities from FNOL to settlement and under referral from Delegated Partners, driving increased levels of customer service and productivity.
Supporting the handling of the more complex and technical losses within the HSB product offering relating to IDI, which includes investigating claims, establishing liability, negotiating settlement, identifying potential recovery opportunities, and identifying potential fraud risks.
Managing day-to-day claims workload to ensure delivery of excellent customer service and adherence to required processes and procedures within tight performance deadlines.
Supporting the Claims Manager in maintaining a high-performance culture within the Claims team, adhering to the HSB behavioral standards.
Assisting in drafting and presenting Technical Training.
Ensuring the appropriate use of third-party suppliers such as Loss Adjusters and Solicitors in line with guidance set.
Ensuring all regulatory and internal Group requirements are met throughout the claims handling process, including supporting complaints and supporting the Customer Relations Team in handling Claims complaints as required.
Demonstrating a strong team ethic, working cooperatively to create a positive working environment and actively working to share ideas and bring solutions to help improve and drive the delivery of superior performance and a positive customer experience.

Requirements

Core Skills:
- Strong technical knowledge of Inherent Defect insurance products, policy wordings, indemnity principles, and coverage interpretations.
- Proven experience managing complex or technically challenging claims.
- Extensive experience in claims handling within Inherent Defect Products.
- Proven capability in reviewing claim files, identifying technical gaps, and driving improvements in quality and consistency.
- Strong relationship-building skills, with experience working collaboratively across Underwriting, Risk Engineering, Compliance, Legal, and external partners.
- Confident in representing the Claims function in meetings, technical committees, and business forums.
Qualifications and Educational Requirements:
- Professional insurance qualifications, or working towards them, such as: Cert CII, Diploma or Advanced Diploma (ACII) or Relevant insurance or claims-related accreditations.
- Strong technical claims background gained within Inherent Defect Products.

We Offer

25 days Annual Leave + Bank Holidays + Well-being days
Up to 13% Pension contribution
Eligibility for an Annual Bonus
Private Medical & Dental
Life Assurance
Wellbeing and Development Scheme + EAP + Health Assessments (subject to scheme eligibility)
Study & continuing Professional Development Support
Hybrid Working

Diversity, Equity & Inclusion

At HSB, Diversity, Equity, and Inclusion foster innovation and resilience and enable us to act braver and better. Embracing the power of DEI is at the core of who we are. We recognize diversity can be multi-dimensional, intersectional, and complex, so we want to build a diverse workforce that includes a wide range of racial, ethnic, sexual, and gender identities; economic and geographic backgrounds; physical abilities; ages; life, school, and career experiences; and political, religious, and personal beliefs. Additionally, we are committed to building an equitable and inclusive work environment where this diversity is celebrated, valued, and has equitable opportunities to succeed.

All candidates in consideration for any role can request a reasonable adjustment at any point in our recruitment process. You can request an adjustment by speaking to your Talent Acquisition contact.

Senior Inherent Defects Claims Handler

Job description