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

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