12201 – Insurance adjusters and claims examiners
This occupation is on IRCC's Express Entry high-wage list (median wage at least 1.3 times the average median wage). From November 3, 2026, 12 months of qualifying Canadian work experience in it can add 20 CRS points, or a qualifying job offer in it can earn 50 points. Only the higher of the two counts, not both.
Lead statement
Insurance adjusters investigate insurance claims and determine the amount of loss or damages covered by insurance policies.
Main duties
- Investigate circumstances surrounding insurance claims to determine validity of claim
- Inspect automobile, home or other property damage
- Take statements and consult with claimants, accident witnesses, doctors and other relevant individuals and examine records or reports
- Determine amount of loss or damages covered by insurance policies
- Negotiate settlement of claims
- Prepare adjustment reports.
- Review, examine, calculate and authorize insurance claims investigated by insurance adjusters
- Examine adjusters' reports and similar insurance claims or precedents to determine extent of insurance coverage
- Ensure claims are valid and settlements are made according to company practices and procedures
- Consult lawyers, doctors or other relevant individuals to discuss insurance claims
- Approve automobile, fire, life, disability, dental or other insurance claims.
Employment requirements
- Completion of secondary school is required.
- A bachelor's degree, college diploma or some post-secondary education orseveral years of experience as a clerk in the claims department or other general insurance experience is required.
- Several years of on-the-job training and completion of insurance industry courses and training programs are required.
- Independent adjusters require a provincial licence issued by the Superintendent of Insurance in the province or territory of employment.
Example job titles
adjuster · adjuster - insurance · claims adjuster - insurance · claims representative - insurance · insurance adjuster · casualty insurance adjuster · fire insurance adjuster · marine insurance adjuster · claims investigator · loss examiner - insurance · claims examiner · claims examiner - insurance · medical claims assessor - insurance · settlement management associate · settlement specialist
Wages (per hour)
| Province / territory | Low | Median | High |
|---|---|---|---|
| Canada | $22.56 | $35.00 | $52.20 |
| Newfoundland and Labrador | $21.25 | $30.00 | $47.58 |
| Nova Scotia | $21.54 | $31.48 | $45.13 |
| New Brunswick | $18.00 | $30.00 | $39.56 |
| Quebec | $24.10 | $32.97 | $49.45 |
| Ontario | $21.43 | $35.00 | $53.85 |
| Manitoba | $18.87 | $24.00 | $43.02 |
| Saskatchewan | $22.26 | $34.13 | $45.95 |
| Alberta | $24.04 | $34.71 | $48.08 |
| British Columbia | $29.00 | $40.96 | $53.57 |
Source: Job Bank wages, 2025 release (ESDC). Low and high are the 10th and 90th percentiles.
Occupation details: ESDC OaSIS 2025, based on NOC 2021.