Claims Specialist, Liability

The Opportunity

Are you looking for a caring, collaborative, values-driven workplace with inspiring teammates and leaders? Do you have the ambition and desire to be the best and thrive at the most impactful global insurance provider in the world? Look no further than Zurich Canada.

If you have experience handling general liability or automobile bodily injury claims, and are looking for a new challenge, we would love to hear from you.

Zurich Canada is currently looking for a Casualty Claims Specialist in our Toronto office. Reporting to the Senior Claims Manager, you will handle bodily injury and property damage claims for commercial lines insureds of low to moderate exposure and complexity within specific limits of authority by following established protocols to ensure that claims are handled in the most efficient, effective way while delivering a customer‑centric claims service.

The job’s core deliverables rely on delivering service to external clients and/or customers. This typically involves building relationships and promoting the company. The focus for this position will be to deliver excellent customer service with proactive communication with customers to keep them informed at all stages of the claim.

This is a unique opportunity to build your knowledge and experience for the future in a supportive environment where your voice matters. This posting is for an existing vacancy.

Zurich Canada uses artificial intelligence–enabled tools to support certain aspects of the recruitment process, including the initial review and screening of applications. Artificial intelligence is not the sole basis for candidate shortlisting or selection. All hiring decisions are reviewed and made by qualified hiring professionals.

Zurich follows a hybrid work model requiring three days per week of in‑person presence, which may include time in the office or market‑facing engagements.

What you will do

• Document the claims file by accurately capturing and updating claims data/information in compliance with best practices for low to moderate exposure and complexity for commercial liability claims.
• Exercise judgement to determine liability by gathering and analyzing relevant facts, utilizing applicable law, and establishing basic principles of negligence.
• Exercise judgement to determine policy verification and coverage determination by analyzing applicable coverage for claims and determining whether the loss falls within the coverage.
• Work to have a timely resolution to claims by developing case strategy, developing a case evaluation, and escalating issues as appropriate.
• Establish timely reserves and perform ongoing review throughout the claims cycle within authority limits by estimating and validating the value of claims.
• Assess damages by calculating applicable damage or range of damages.
• Negotiate settlement of claims by establishing appropriate negotiation strategy and utilizing available tools and resources within authority limits.
• Meet quality standards by following best practices.
• Take responsibility for data integrity and the appropriate documentation of the claim file, as well as for compliance with regulatory notification requirements.
• Be accountable for customer satisfaction and execute on our strategy to provide the best claims service in the commercial insurance business.
• Ensure customer service by proactively communicating information, responding to inquiries, and following customer protocols and special handling instructions.
• Manage expenses by working within vendor‑approved networks and managing the scope of work assigned to outside vendors.
• Ensure legal compliance by following provincial and federal laws and regulations, as well as internal control requirements.
• Refer claims to subrogation and INS teams by identifying potential subrogation and fraud.
• Contribute to profitable growth by providing risk insight, information and trends to the Business Unit or customer as needed.
• Protect Zurich’s reputation by keeping claims information confidential.

Job Qualifications - What You Bring To The Table

• Bachelor’s degree or college diploma in a relevant field, or equivalent work experience, and 2 or more years of experience in general liability or auto bodily injury claims.
• Good knowledge of insurance claims.
• Good knowledge of how to evaluate bodily injuries and property damage using appropriate case law.
• General knowledge of automobile insurance policy wordings and products.
• General knowledge of the coverage available under the commercial general liability policy and some common exclusions.
• Results driven, with the ability to multi‑task, pay attention to detail and follow procedures.
• Proven leadership and time management skills in a team environment.
• Excellent writing and presentation skills.

Preferred

• 2–4 years of experience in general liability or auto bodily injury claims.
• Experience in handling premises liability claims.
• Experience with claims reviews and presenting to various stakeholders.
• Experience maintaining relationships with brokers, underwriting partners, and other business functions.
• Strong analytical, critical thinking and problem‑solving skills.
• Strong verbal and written communication skills.
• Understanding of the claims adjustment process and ability to determine scope/exposure for losses.
• Understanding and application of financial and actuarial/reserving concepts.
• Familiarity with negotiation strategies and experience in suggesting alternative approaches.
• Ability to manage a pending and multi‑task; strong organizational and time management skills.
• Strong customer service experience.
• Proficiency with Office 365 productivity tools and apps.
• Completed or actively pursuing the Canadian Insurance Institute (CIP) designation.

At Zurich Canada, we are committed to pay equity. We determine compensation based on objective criteria such as skills, experience, and internal equity. The salary range for this position is $58,000 – $78,000. This range reflects the expected pay for the role across Canada and may vary depending on factors like office location, specific responsibilities, and individual qualifications. As required by local law, Zurich provides in good faith a reasonable compensation range, but starting salaries may exceed this range based on a candidate’s skills and experience.

Our Culture

• At Zurich, we are proud of our culture. We are passionate about Diversity, Inclusion, Equity and Belonging (DIEB). We want you to bring your whole self to work, and we want our employees to be reflective of the communities in which we live and work. Our DIEB initiatives are creating an environment where everyone feels welcome.
• We have a collaborative culture where diversity of thought is valued. We value your input and strive to give our employees the tools they need to make an impact.
• We care about our employees’ well‑being and offer a comprehensive health/benefits plan with varying levels of coverage to suit your specific needs and a competitive total compensation package.
• We understand how important it is to rest, recharge and do the things you love. At Zurich, all employees receive a minimum of four weeks of vacation per year to do just that.
• We also understand that employees require time off for personal reasons. Maybe you have an appointment during a workday, a cultural or religious holiday you would like to observe, or you need time off to focus on your mental health. Zurich employees receive four personal days per year to be used at their discretion.
• We are committed to continuous improvement and offer access to a comprehensive range of training and development opportunities.
• We care about our communities. Our communities are where our customers, people, and shareholders live and work. While we can be proud of the contribution to society Zurich makes through our core business of insurance, we must also give back to our communities through our talent, time and resources.
• We have won numerous awards for our workplace culture. We are proud to be one of Greater Toronto’s Top Employers and to have received Insurance Business Canada’s 5‑Star Diversity, Equity and Inclusion Award.

Make a difference. Be challenged. Be inspired. Be supported. Love what you do. Work for us.

About Us

Zurich Canada is part of the Zurich Insurance Group, a multi‑line insurer with approximately 55,000 employees worldwide serving customers in global and local markets. Zurich Canada has been a leading insurance provider serving mid‑sized and large companies, including multinational corporations, in the Canadian commercial market for 100 years. With over 900 employees in offices across the country, Zurich offers the global strength of a top insurance provider combined with in‑depth knowledge of industries and local markets. Zurich Canada aspires to be risk management professionals’ first choice as their premier partner to help meet the risk challenges of today and tomorrow. Read more at

Now is the time to move forward and make a difference. At Zurich, we want you to share your unique perspectives, experiences and ideas so we can grow and drive sustainable change together. As part of a leading global organization, Zurich North America has over 148 years of experience managing risk and supporting resilience. We are a leading provider of commercial property‑casualty insurance solutions and a wide range of risk management products and services for businesses and individuals. Today, we serve more than 25 industries, from agriculture to technology and insure 90% of the Fortune 500®.

Our growth strategy is not limited to our business. As an employer, Zurich strives to provide ongoing career development opportunities and foster an environment where voices are diverse, behaviors are inclusive, actions drive equity, and our people feel a sense of belonging. Be a part of the next evolution of the insurance industry. Join us in building a brighter future for our people, our customers and the communities we serve.

As a global company, Zurich recognizes the diversity of our workforce as an asset. We recruit talented people from a variety of backgrounds with unique perspectives that are truly welcome here. Taken together, diversity and inclusion bring us closer to our common goal: exceeding our customers’ expectations. Zurich is committed to providing a diverse, inclusive and barrier‑free environment resulting in an accessible organization for employees, customers, and other parties who interact with, or on behalf of, Zurich. We strive to achieve a workplace free of discrimination of all forms, including discrimination on the basis of physical or mental disability, or medical condition. If you are interested in a job opportunity, please advise if you require an accommodation, so we can work with you to provide a more accessible process.

Zurich does not accept unsolicited resumes from search firms or employment agencies. Any unsolicited resume will become the property of Zurich Canadian Holdings Limited. If you are a preferred vendor, please use our Recruiting Agency Portal for resume submission.

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