Commercial Insurance Claims Advisor

About the role

You will own the end to end management of commercial insurance claims from initial reporting through to final resolution, ensuring a seamless and supportive experience for our business customers during challenging times. You will act as the primary advocate for the client, balancing their needs with our obligations to deliver fair and efficient claim outcomes. In this capacity, you will leverage your expertise to assess the validity of claims, interpret policy terms, and guide stakeholders through the process. You will collaborate closely with internal adjusters, external vendors, and our underwriting partners to gather information and facilitate timely decisions. Your role will involve proactive communication, setting clear expectations, and providing regular updates to all parties involved in the claim lifecycle. You will identify opportunities to streamline processes and enhance the customer journey by applying a mix of technical knowledge and empathetic service. Ultimately, you will be responsible for maintaining the integrity of each claim while reinforcing Zensurance's reputation for reliability and care.

Key facts

What you'll do

Investigate the circumstances surrounding commercial insurance claims to gather accurate and objective information.

Evaluate the coverage provided by policy terms and conditions to determine the extent of our insured person's liability.

Communicate promptly and clearly with clients, witnesses, and third parties to collect statements and relevant documentation.

Coordinate with internal adjusters and external vendors to obtain necessary assessments, estimates, and expert opinions.

Analyze facts, evidence, and documentation to assess the validity of claims and identify any potential fraud or misrepresentation.

Develop and maintain comprehensive claim files that document every step of the investigation and decision-making process.

Apply negotiation skills to reach fair settlement agreements that align with policy limits and our company standards.

Monitor claim progress against established timelines to ensure efficient resolution and compliance with regulatory requirements.

Identify trends and recurring issues within claim types to provide feedback to underwriting and product teams for continuous improvement.

Educate clients on their coverage options and next steps, helping them understand the rationale behind our decisions.

Utilize our digital platforms and claims management tools to update records, track milestones, and generate accurate reports.

Support the team lead in handling complex or escalated claims by providing detailed analysis and recommended courses of action.

Maintain a customer-first mindset throughout every interaction, demonstrating empathy and professionalism in difficult situations.

Contribute to a collaborative work environment by sharing insights, best practices, and lessons learned from your caseload.

Adhere to all company policies, quality standards, and regulatory guidelines governing commercial insurance claims handling.

Requirements

You must possess a diploma, degree, or equivalent combination of experience and education relevant to claims, insurance, or a related field.

You must have a minimum of 2 years of recent experience in commercial insurance claims, either in an advisory, adjusting, or customer service capacity.

You must hold a valid driver's license and be eligible to obtain an Ontario Insurance Agent or Adjuster license as required by our carriers.

You must be legally authorized to work in Canada without sponsorship, and you must be available to work full time in our Toronto office.

You must demonstrate a strong understanding of commercial insurance products, policy structures, and common liability coverages.

You must have experience interpreting policy language and applying its terms to real world claim scenarios accurately.

You must possess excellent written and verbal communication skills, with the ability to explain complex insurance concepts in a clear and respectful manner.

You must be proficient in using Microsoft Office, particularly Word, Excel, and email, to manage documentation and analyze data.

You must be comfortable working within a regulated industry and adhering to strict timelines, privacy rules, and compliance standards.

You must be able to manage multiple priorities in a fast paced environment while maintaining attention to detail and accuracy.

You must have strong analytical and problem solving skills, with a logical approach to evaluating facts and drawing sound conclusions.

You must be comfortable using claims management software and digital tools, with a quick ability to learn new platforms.

You must bring a customer focused attitude and a commitment to delivering service that exceeds expectations even in challenging circumstances.

You must work effectively as part of a team, collaborating with colleagues, stakeholders, and partners to achieve shared objectives.

You must be prepared to uphold the highest standards of ethics, confidentiality, and professionalism in all aspects of your work.

Nice to have

Experience with commercial claim handling software or policy administration systems.

Knowledge of relevant regulatory frameworks and industry best practices for claims handling.

Familiarity with small business insurance products and common commercial exposures.

Basic understanding of financial and accounting principles as they relate to insurance settlements.

Practical notes

Hours: Full-time during regular business hours.

Travel: None.

Visa: Must be authorized to work in Canada without sponsorship.

Deadlines: Please apply through the official channel listed on our careers page and ensure all required documents are submitted by the stated closing date.