Claims
administrator
Claims lodged the day they are reported, documents collected and chased, and progress followed up weekly — because a claim is the only time a client finds out whether their broker was worth it.
Claims are where broking relationships are decided
A client experiences the value of a broker exactly once: when something goes wrong. Everything before that is paperwork and premium. The claim is the product.
Yet claims administration is the work most likely to slip, because it is unpredictable, document-heavy and arrives on top of a full renewal calendar. The client rings for an update; nobody has one.
A dedicated claims administrator owns the process end to end — lodgement, documents, follow-up and client updates — which is both the highest-retention work in the business and the most delegable.
What they run
- Claim lodgement — Claim forms prepared and lodged with the insurer on the day the claim is reported, to that insurer's requirements.
- Document collection — Quotes, invoices, photographs, police reports, statements and everything else chased from the client and third parties.
- Insurer follow-up — Claims chased on a weekly cadence with assessors and claims officers, rather than when the client asks.
- Client updates — Scheduled updates whether or not there is news — which is what stops the anxious calls and drives renewals.
- Assessor coordination — Inspections and assessments arranged between assessor, client and any repairer.
- Settlement administration — Settlement documentation processed, payments tracked and the file closed out properly.
- Claims register — Every open claim with status, age and next action visible — so nothing sits unworked.
- Claims reporting — Open claims by age and by insurer, and claims history assembled for renewal discussions.
The advice line
Administration and chasing travel. Anything a client could rely on as advice about their claim does not.
- Coverage adviceWhether something is covered, and what a declined claim means, is licensed advice. Escalated to the broker, always.
- Claim strategyHow to present or dispute a claim is the broker's judgement.
- Settlement acceptanceAdvising a client whether to accept a settlement offer is advice.
- Liability discussionNever discussed with a client or a third party.