Job Overview
We are looking for an experienced Insurance Claims Officer to join the Insurance Department in Dubai, United Arab Emirates. The successful candidate will be responsible for managing insurance claims from initial notification and registration through assessment, settlement, and final closure.
Thank you for reading this post, don't forget to subscribe!The role involves reviewing insurance policies, assessing claims, coordinating with internal and external stakeholders, maintaining accurate documentation, and ensuring claims are handled efficiently and in accordance with policy terms, company procedures, and applicable regulations.
The position covers a broad range of marine, property, motor, cargo, and liability insurance claims.
Key Responsibilities
- Receive, register, acknowledge, and manage marine, property, motor, cargo, and liability insurance claims.
- Review policy documents, schedules, endorsements, coverage limits, exclusions, deductibles, and applicable terms and conditions.
- Collect, review, and verify claim documentation, including statements, photographs, incident reports, invoices, repair estimates, surveys, and other supporting evidence.
- Assess claim coverage, validity, liability, and financial quantum within established policy terms and delegated authority limits.
- Coordinate with insured customers, insurance brokers, insurers, surveyors, loss adjusters, investigators, repairers, legal representatives, and other service providers.
- Handle different types of claims, including marine cargo, vessel, property damage, motor accidents, third-party liability, personal injury, and related insurance claims.
- Review repair estimates, replacement costs, settlement proposals, salvage arrangements, and potential recovery opportunities.
- Prepare claim assessments, financial reserves, settlement documentation, payment requests, and recommendations for claim closure.
- Monitor outstanding claims and maintain accurate records of claim status, documentation, reserves, settlements, and ageing.
- Prepare insurance claims reports, management information, and claims ageing analysis for management review.
- Ensure all claims are processed in accordance with insurance policies, internal procedures, regulatory requirements, and data protection standards.
- Assist with claims audits, reconciliations, internal reviews, and quality-control activities.
- Identify opportunities to improve claims processes, documentation, service quality, and operational efficiency.
Qualifications and Experience
- Bachelor’s degree, higher diploma, or relevant professional qualification in Insurance, Risk Management, Finance, Business Administration, or a related discipline.
- Previous experience as an Insurance Claims Officer, Claims Executive, Claims Handler, Insurance Coordinator, or in a similar insurance claims position.
- Practical experience managing marine, property, motor, cargo, liability, or general insurance claims.
- Good knowledge of insurance policies, claims procedures, loss assessment, settlements, reserves, and claims documentation.
- Understanding of marine cargo and hull insurance, property claims, motor accident claims, and third-party liability claims is an advantage.
- Ability to understand and interpret policy wording, endorsements, exclusions, schedules, deductibles, and other insurance documentation.
- Experience working with loss adjusters, surveyors, garages, repairers, insurance brokers, insurers, and other claims-related stakeholders.
- Strong analytical, documentation, communication, coordination, and problem-solving skills.
- Ability to manage multiple claims while maintaining accuracy, confidentiality, and timely follow-up.
Department
Insurance
Job Role
Insurance Claims Officer – Marine, Property, Motor & Liability
Job Location
Dubai, United Arab Emirates (UAE)