Job Type:

Permanent

Build a brilliant future with Hiscox

The Role

This role will give you the opportunity to handle a liability claims portfolio.

The main objectives of this role are to support our Portfolio Claims Team by providing an efficient, high quality claims service for High Volume Low value Claims where the Hiscox brand is central to our promise in claims handling.

As a Claims Handler you will deliver a high quality service to clients and their brokers; whilst maintaining and enhancing the Hiscox reputation for its claims handling service. The role will include direct communication with the Insured and our Intermediaries, managing the relationship with policyholders, assessing the size of the claim and its potential severity. The emphasis is on providing a fast track, yet extremely customer focused, claims handling service whilst actively managing indemnities spent.

In addition to managing your own claims you will have regular contact with underwriters and brokers to understand and improve the level and quality of service.

This role is based in Lisbon and will report directly to the PI Portfolio Team Coordinator.

Key responsibilities

Your key responsibilities are divided along the following core activities (these may evolve over the course of the growth of the portfolio):

Claims Management (70%)

• Advise and direct claims investigation to ensure the effective and timely resolution of claims within our agreed standards. All this is done with respect for HISCOX’ contracts General Conditions and specific law applicable, favouring the most fair solution for our insured.
• Review loss investigation on all claims. Select and actively manage the involvement of lawyers, In field Adjusters and associated costs. Seek ways to ensure added value & appropriate spend.
• Manage, monitor and review losses and authorize the settlement of claims exceeding the delegated authority of Third Parties Administrators when applicable or other claims staff to ensure the relevant level of authority is exercised.

Process, Administration and Quality of Service (30%)

• We have a claims management system and supporting information to enable and assist you to manage your portfolio. You will demonstrate excellent file handling and claims management through pro-active portfolio management; accurate and timely reserving; effective risk and indemnity costs management.
• Identify emerging issues, formulate recommendations to the Volume Claims Manager, and develop appropriate action plans on your portfolio.
• Manage, handle, and respond to, Insured/Broker complaints and/or queries for all claims in your portfolio.
• Undertake actions to ensure the overall portfolio is actively managed; diary management, review of old claims, etc.
• Regularly provide am efficient reporting on the portfolio status and evolution.
• Outside of pure claims handling you will be expected to identify areas where there is opportunity for continuous improvement and help create solutions that improve the team’s performance to deal with business growth/increased number of claims…
• Ensure all Third Party Administrator’s adherence to claims administration agreement requirements, terms, and conditions, as required through regular audits and/or through other means.
• Conduct claim file reviews / audits to ensure optimal claim handling performance of your portfolio.

Person specification

• Native in French (or equivalent - excellent written and verbal communication skills). Fluent in English (required).
• Be creative, proactive and innovative - do not accept the status quo.
• Be highly results driven, with the energy and determination to succeed in a very fast paced environment where the pace of response and leadership is critical to success.
• Have good organizational skills and the ability to work in a methodical manner and meet deadlines.
• Ability to keep your cool under pressure and deal with demanding clients with high expectations.
• Solution driven and customer oriented: no stone left unturned to satisfy our clients.
• Confident in taking decisions and managing responsibility and priorities within their levels of authority;
• A confident individual with drive, ambition and a willingness to learn;
• Excellent interpersonal skills within the team, the wider business and with external partners.

Required skills

• Law degree - ideally a lawyer/solicitor, handling professional and/or general liability files, or an equivalent candidate with a medium to strong experience in insurance (3-5years experience in professional and/or general liability claims);
• You will be able to demonstrate an understanding of what ‘customer focus’ means on a practical day to day basis, and a desire/drive to deliver this.
• Some experience in high quality commercial environments; able to give advice and guidance as well as understanding the implications for the bottom line of your actions and maintaining our Claims philosophy.
• You will ideally have experience of working in an office environment, ideally in a multinational, multi-lingual environment.
• Knowledge of French law is a definite plus (but not a must).

Why Hiscox?

At Hiscox, we believe in creating an environment where our people can thrive - both professionally and personally. Here’s what we offer:

• Work-Life Balance: Enjoy a 35 hours work week and a hybrid model designed for flexibility.
• Holidays: 25 days + 2 Hiscox Days (Extra two Annual Leave).
• Comprehensive Benefits: Health insurance for you and your family, Life Insurance, a pension plan, sports allowance and access to mental health support.
• Sabbatical Program: Every 5 years, take a fully paid 1-month sabbatical on top of your holidays.
• Team Spirit: Be part of a collaborative and inclusive cultural with opportunities to engage in local and international initiatives

Work with amazing people and be part of a unique culture