Insurance Adjusters and Claims Examiners

(NOC 1312)

in All Business, Finance, and Administration

Insurance adjusters investigate insurance claims on behalf of insurance companies and government insurers and determine the validity and 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.

Job Outlook

Good

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  • Estimate Moderate growth employment change, 2017-2019
  • Estimate 90 openings due to growth and retirements, 2017-2019
  • Estimate Low rate of unemployment in 2016

Compared to: All Business, Finance, and Administration

  • Estimate Moderate growth employment change, 2017-2019
  • Estimate 6600 openings due to growth and retirements, 2017-2019
  • Estimate Low rate of unemployment in 2016

The employment outlook over the next few years for this occupational group is “good”, which indicates the chances of a qualified individual finding work is better than average when compared to other occupations in Nova Scotia. This is a moderate sized occupation in Nova Scotia so some job opportunities may occur through turnover. The number employed in this occupation is expected to grow moderately over the next few years, which will likely provide some additional opportunities for employment. With a large percent of workers being 55 years of age and older, retirements are expected to be a key contributor to employment opportunities over the coming years. Insurance Adjusters and Claims Examiners most commonly work full-time hours. Furthermore, the jobs may either be permanent or temporary positions, as both are common.

The median employment income for 84% of Insurance Adjusters and Claims Examiners who worked full-time, year-round in 2015 was $60,642. Across all occupations in Nova Scotia, 59% of those who worked full-time year round had a median employment income of $43,600.
(Source: 2016 Census)

Hourly Pay

$17.50

Minimum

$28.85

Median

$38.97

Maximum

Annual Pay

$26,492

Minimum

$57,715

Median

$89,229

Maximum

Compared to: All Business, Finance, and Administration

Hourly Pay

$13.00

Minimum

$21.03

Median

$35.90

Maximum

Annual Pay

$6,754

Minimum

$36,515

Median

$70,271

Maximum

About the job

Nature of work

Insurance adjusters investigate insurance claims on behalf of insurance companies and government insurers and determine the validity and 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.

Job duties

Insurance adjusters perform some or all of the following duties:

  • 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 perform some or all of the following duties:

  • 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.

Sample job titles

  • claims consultant
  • disability claims examiner
  • insurance adjuster
  • insurance inspector
  • liability adjuster
  • medical claims assessor
  • motor vehicle claims adjuster
  • property adjuster - insurance
  • settlement specialist

Skills

To work in this field, you must be organized, analytical, and decisive. You need good communication skills, both written and oral. You need good interpersonal skills, especially when dealing with clients who are upset or experiencing stress. You must be able to work as part of a team. Knowledge of medical terminology and computer skills are helpful.

Job requirements

  • Completion of high 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 are required.
  • Several years of on-the-job training and completion of insurance industry courses and training programs are required.
  • Independent adjusters require a provincial licence issued by the Superintendent of Insurance in the province or territory of employment.

Other considerations

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).

By the numbers

Quick look

720

employed in 2016

98.7%

employed full-time

0.0%

self employed

60.2%
Icons/female Created with Sketch.
39.8%
Icons/male Created with Sketch.
45.4

median age

Compared to: All Business, Finance, and Administration

63,775

employed in 2016

81.3%

employed full-time

6.6%

self employed

73.4%
Icons/female Created with Sketch.
26.6%
Icons/male Created with Sketch.
47.9

median age

Where will I likely work?

75.8%

Halifax

9.9%

Annapolis Valley

6.2%

Northern

5.0%

Cape Breton

3.7%

Southern

Compared to: All NS Occupations

47.0%

Halifax

15.6%

Northern

12.9%

Annapolis Valley

12.7%

Cape Breton

11.8%

Southern

Top Industries of Employment

96.6%

Finance, Insurance, Real Estate & Leasing

1.4%

Management, Admin & Other Support

1.4%

Public Administration

0.7%

Other Industries

What is the age of Employment?

28.6%

45-54

25.0%

35-44

17.9%

25-34

14.3%

55-64

7.1%

15-24

3.6%

65+

Compared to: All Business, Finance, and Administration

36.5%

45-54

28.0%

55-64

18.6%

35-44

10.7%

65+

6.0%

25-34

Top levels of education

36.3%

Bachelor's degree

$35,138 median annual income
33.1%

College certificate or diploma

$25,314 median annual income
21.0%

High school

$20,227 median annual income
5.1%

Trades certificate

$24,659 median annual income
2.5%

University certificate or diploma

$20,643 median annual income

Compared to: All Business, Finance, and Administration

34.4%

College certificate or diploma

$33,837 median annual income
23.7%

High school

$30,074 median annual income
22.9%

Bachelor's degree

$39,473 median annual income
5.8%

Trades certificate

$32,871 median annual income
4.7%

Less than high school

$23,775 median annual income

Education & training

Adult high school/secondary diploma programs

This program is typically offered at the high school level.

The Nova Scotia School for Adult Learning (NSSAL) administers, coordinates, and supports the development and delivery of adult education programs through learning partners in Nova Scotia. Our learning partners include the Nova Scotia Community College, Adult High Schools, Université Sainte-Anne, and community-based learning organizations that offer tuition-free programming across the province. NSSAL offers clear, accessible pathways from adult basic education to a high school credential or GED, empowering Nova Scotians to achieve their learning and employment goals.

Institutions providing this program

Universite Sainte-Anne

Siège Social: 1695, Route 1

Pointe-de-l'Église, NS B0W 1M0

(902) 769-2114

Nova Scotia Community College - Adult Learning

PO Box 220

Halifax, NS B3J 2M4

(866) 679-6722

Adult High Schools

Various, NS

Community Learning Organizations

Various, NS

Business/commerce - General

This program may be offered at the college, trades, or university level.

This instructional program class includes any program that focuses on the general study of business, including the processes of interchanging goods and services (buying, selling and producing), business organization, and accounting as used in profit-making and non-profit public and private institutions and agencies. The program prepares individuals to apply business principles and techniques in various occupational settings.

Institutions providing this program

Dalhousie University

Office of the Registrar

Halifax, NS B3H 4R2

(902) 494-2450

University of King's College

6350 Coburg Road

Halifax, NS B3H 2A1

(902) 422-1271

Universite Sainte-Anne

Siège Social: 1695, Route 1

Pointe-de-l'Église, NS B0W 1M0

(902) 769-2114

Saint Mary's University

923 Robie Street

Halifax, NS B3H 3C3

(902) 420-5400

Cape Breton University

PO Box 5300 1250 Grand Lake Road

Sydney, NS B1P 6L2

(888) 959-9995

Employment requirements & contacts

Regulations

Insurance Adjusters

Right to Title and Practice: This job is regulated and the job title is protected in Nova Scotia (you may not use this job title without holding a provincial licence). A licence shows that the holder has met provincial requirements and is required to work in this job.

Regulating body:
Nova Scotia Department of Finance - Office of the Superintendent of Insurance
PO Box 2271
Halifax, NS B3J 3C8
(902) 424-6331
(902) 424-1298

Contacts

Financial Advisors Association of Canada
390 Queens Quay West, Suite 209
Toronto, ON M5V 3A2
Tel: (416) 444-5251
Fax: (416) 444-8031
Canadian Independent Adjusters' Association
5401 Eglinton Avenue West, Suite 100
Etobicoke, ON M9C 5K6
Tel: (416) 621-6222
Fax: (416) 621-7776
Canadian Life and Health Insurance Association
79 Wellington St. West, Suite 2300
Toronto, ON M5K 1G8
Tel: (416) 777-2221
Fax: (416) 777-1895

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