12201 – Insurance adjusters and claims examiners
TEER 2Occupations usually requiring a college diploma or apprenticeship of 2 years or more, or supervisory occupations
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.