We’re looking for an experienced Property and Casualty Claims Handler to join our Claims Team in Truro. This is a varied and rewarding role where you’ll support our Members when they need us most, helping them navigate claims with care, confidence and clear communication.
You’ll manage a portfolio of property, liability and casualty claims from first notification through to settlement, using your technical claims knowledge to make fair, thoughtful decisions and deliver excellent service throughout.
Working closely with colleagues and trusted external partners, you’ll investigate claims, review cover, assess liability and negotiate settlements, always aiming to achieve fair outcomes for our Members.
You’ll also have the opportunity to share your expertise, provide guidance to colleagues and help us keep improving the way we support our Members.
Please note, this is an office-based position, working from our head office in Truro. Some hybrid working may be available after successful completion of a probationary period.
Brief, preliminary interviews - to shortlist candidates - will take place via telephone on Thursday 17th September. Subsequent in-person interviews will be held at our Truro office on Wednesday 23rd September.
All interview timeslots will be allocated on a first come, first served basis.
Responsibilities will include:
· Providing an outstanding service to Members throughout the claims journey.
· Managing a varied caseload of property, Employers’ Liability, Public Liability and casualty Personal Injury claims from notification through to settlement.
· Reviewing policy cover, assessing indemnity and making clear, fair decisions in line with policy terms.
· Investigating liability, causation and claim value by gathering and reviewing the right information and evidence.
· Negotiating settlements and keeping claims moving while balancing excellent Member service with sensible cost control.
· Working with Members, solicitors, loss adjusters, reinsurers and other third parties to reach positive outcomes.
· Keeping accurate claim records, reserves and updates in line with company procedures and regulatory requirements.
· Spotting recovery opportunities and potential fraud concerns, escalating where needed.
· Acting as a helpful technical point of contact for colleagues and sharing your knowledge across the team.
· Contributing ideas that help us improve our claims processes, standards and ways of working.
Skills and experience required:
· Strong experience handling property and casualty claims, ideally including Employers’ Liability, Public Liability, Motor Personal Injury, credit hire and property claims.
· A good understanding of policy cover, legal procedures and regulatory expectations within claims handling.
· Confident investigation, negotiation and settlement skills, with the ability to assess liability, causation, indemnity and quantum.
· Excellent communication skills, with a calm, clear and professional approach when supporting Members and working with third parties.
· Great attention to detail, sound judgement and the ability to manage a busy caseload while keeping quality high.
· A collaborative, supportive approach and a willingness to share knowledge with colleagues.
· Experience working with solicitors, loss adjusters or other external suppliers.
· A professional insurance qualification, such as DIP CII, or a legal equivalent.
· An understanding of mutuality, or experience in a mutual insurer or rural insurance environment, would be a real advantage.
Additional information:
Founded by a group of farmers in 1903 to provide cost effective insurance to the community, Cornish Mutual is now one of the leading South West insurance providers. As a mutual, we are a Member-owned business, run for the benefit of our Members (customers) - we don’t have shareholders. Our success is down to our people and our Members – both are at the heart of everything we do.
As an employer we offer a culture that is open and honest and we are supportive and collaborative, to empower individuals to deliver the best outcomes and develop in their careers. Our growth plans are ambitious, and we are looking for passionate people that can help us continue building relationships, supporting each other and that of our communities.
We value all our employees and offer a number of benefits including:
- 35-hour week, supporting a great work life balance
- Private medical insurance and income protection cover
- 24 days' holiday, increasing to 28 days per year with length of service (plus bank holidays). Plus, the option to ‘buy’ an extra 5 days per year (after a qualifying period).
- Comprehensive induction programme, excellent learning and development opportunities including professional memberships and relevant qualifications.
- Up to 25% discount on selected Cornish Mutual insurance products and access to our exclusive Member discounts on other everyday essentials
- The opportunity for some hybrid working, after a qualifying period.
- Company events to support social wellbeing.
And many more!
Please write to us detailing how your skills and experience match what we are searching for, your salary expectations and why you have chosen to apply for this role. We fill our vacancies as soon as we find people who fit our culture and meet the skills requirements. This means that whilst we may advertise with a closing date, we may offer the role to someone before that date, so we recommend that you apply as soon as possible.
We take our data privacy responsibilities seriously. Full details of how we’ll handle and store your information can be found in our Candidate Privacy Notice or in print on request.
We encourage direct applications and only work with carefully selected recruitment partners. We advise that if you are contacted by any agency and wish to verify that a source is legitimate, please contact [email protected] before sharing any personal information. We never accept unsolicited applications from agencies.
Job Types: Full-time, Permanent
Pay: From £35,000.00 per year
Benefits:
- Additional leave
- Company events
- Company pension
- Cycle to work scheme
- Employee discount
- Paid volunteer time
- Private medical insurance
- Sick pay
Education:
- GCSE or equivalent (required)
Work authorisation:
- United Kingdom (required)
Work Location: In person
