Field Adjuster - Commercial Property Claims

This position is listed on behalf of a partner company, who manages all applications and next steps. Our partner is looking for a Field Adjuster – Commercial Property Claims based inCanada.

As a Field Adjuster specializing in Commercial Property Claims, you will play a key role in investigating, evaluating, and resolving complex insurance claims for commercial clients across the Greater Toronto Area. Working from home while conducting on-site and virtual inspections, you will assess property damage, validate repair estimates, interpret policy coverage, and negotiate fair settlements. You will collaborate with policyholders, brokers, contractors, legal professionals, and other stakeholders to ensure claims are handled accurately and efficiently. Your technical expertise and sound judgment will help protect customer interests while identifying potential risks, recovery opportunities, and contractual obligations. This customer-focused role combines independent fieldwork, analytical problem-solving, and relationship management in a dynamic insurance environment. You will also contribute to exceptional service delivery during high-volume claims events while benefiting from ongoing professional development and career growth opportunities.

Accountabilities:

• Conduct on-site and virtual inspections of commercial property claims to assess damage, establish facts, and determine the scope of necessary repairs.
• Investigate, evaluate, negotiate, and settle commercial property claims in accordance with applicable policy terms, internal procedures, and established claims guidelines.
• Review and validate contractor and vendor estimates to ensure that repair costs, pricing, and proposed work scopes are accurate and appropriate.
• Gather and analyze evidence by interviewing policyholders, third parties, witnesses, legal representatives, and other relevant parties to establish the circumstances and extent of losses.
• Interpret insurance policies, technical assessments, fire investigation reports, applicable case law, and other documentation to determine coverage, claim values, and appropriate settlement outcomes.
• Provide expert guidance on commercial property claims to customers, colleagues, brokers, and other stakeholders, explaining complex issues and recommending appropriate courses of action.
• Review lease agreements and other contractual documents to determine insured parties' obligations, financial interests, and responsibilities relating to property damage and repairs.
• Manage claim-related payments to policyholders, vendors, and external experts, ensuring data accuracy, proper documentation, and timely processing.
• Maintain clear and timely communication with policyholders, brokers, underwriting teams, legal professionals, contractors, and other parties involved in claim resolution.
• Prepare and manage claim correspondence and supporting documentation, including critical path plans, proofs of loss, reservation of rights letters, and other required communications.
• Identify questionable claims, potential fraud indicators, subrogation opportunities, and risk exposures, taking appropriate action to protect the interests of all relevant parties.
• Prioritize competing claims, maintain accurate records, and deliver responsive, professional customer service throughout the claims lifecycle.
• Provide additional support during catastrophe events and periods of elevated claim volumes, including occasional evening and weekend work.

Requirements:

• At least two years of experience as a field adjuster handling commercial lines claims.
• A minimum of one year of experience managing first-party commercial property claims, including building owner and tenant losses, business interruption, stock, cargo, builder's risk, crime, and equipment claims across different industries.
• Strong knowledge of commercial property insurance, policy interpretation, property damage assessment, claim investigation, and settlement procedures.
• Excellent analytical and critical-thinking skills, with the ability to evaluate technical reports, repair estimates, contractual obligations, and complex claim documentation to make sound decisions.
• Strong negotiation and problem-solving abilities, with the confidence to manage complex claims and communicate effectively with commercial clients and insurance brokers.
• Excellent written and verbal communication skills, including the ability to explain coverage decisions, claim progress, and settlement recommendations clearly and professionally.
• A customer-focused mindset and a commitment to delivering timely, fair, accurate, and high-quality claims service.
• Strong organizational and prioritization skills, with the ability to manage multiple claims, meet deadlines, and adapt to changing workloads in a fast-paced environment.
• Proficiency in Microsoft Office applications, including Excel, Word, PowerPoint, and Outlook, as well as familiarity with claims management platforms such as Guidewire.
• Adaptability when using new technologies, together with strong computer skills and attention to data accuracy.
• A Chartered Insurance Professional (CIP), Fellow Chartered Insurance Professional (FCIP), or other relevant industry designation is preferred. Candidates must be willing to pursue the CIP designation to meet applicable provincial licensing requirements.
• A valid driver's licence and the ability to travel to commercial property inspection sites throughout the Greater Toronto Area.
• Flexibility to support high-volume catastrophe response when required, including occasional evening and weekend availability.

Benefits:

• Competitive annual salary: CAD 80,000–95,000, depending on relevant knowledge, skills, experience, and internal equity.
• Annual bonus opportunities: Eligibility for performance-related bonus compensation.
• Retirement savings: Access to retirement savings programs and an employee share plan.
• Comprehensive health benefits: Health coverage designed to support employees' overall wellbeing.
• Flexible working arrangements: A home-based role with a flexible hybrid work model.
• Paid time off: A competitive vacation package, with the option to purchase up to five additional vacation days per year.
• Professional development: Support for continuing education, industry qualifications, and career advancement.
• Employee wellness programs: Initiatives supporting physical and mental health.
• Diversity and inclusion initiatives: Employee-driven programs promoting inclusion across gender, LGBTQ+ identities, cultural backgrounds, and other dimensions of diversity.
• Community engagement: Opportunities to participate in volunteering and initiatives that support local communities.
• Career growth: Opportunities to expand commercial claims expertise and develop professionally within an established insurance environment.

We appreciate your interest and wish you the best!