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
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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