Commercial Liability Handler
Technical Consultant- Commercial Liability Direct
Bromley & Manchester - Hybrid (1/2 days in the office)
Full Time, Permanent Position
Let's make the most of your talent.
Join us as a Commercial Liability Direct Claims Consultant as part of our Large and Complex Loss Specialist Claims team, where you'll manage a variety of claims to resolution and shape excellence in claims handling.
About us
At Direct Line Group, insurance is just the start. Combining decades of industry experience with talented people in every field from data, technology, customer care and auto repair, to HR, finance, and procurement, we’re a customer-obsessed market powerhouse. And we all work together to be brilliant for customers, every single day.
It always feels good, helping people when they need it most. Taking calls, helping customers with queries, finding the right insurance product for their lifestyle. Helping to keep people safe on the roadside when their vehicle breaks down. Being a reassuring presence when someone needs to make a claim. Our contact centre teams give customers all kinds of support. It can get busy, but the culture, training and friendly teams are great here.
What you'll be doing
Reporting directly to the Technical Claims Team Leader, you will be responsible for the validation, investigation, negotiation and settlement of Multi-Branded commercial liability claims, proactively managing the end to end process of all third party claims. Establish and maintain accurate claim reserves within your own financial handling authority whilst controlling the overall expenditure throughout the lifecycle of the claim.
- Triage of new Liability Claims encompassing Employers Liability, Public Liability and Property Liability Claims, to include Disease and Products, validating policy cover, undertaking full investigations of claims giving consideration to injury triggers, liability and fraudulent claims. Robust control of indemnity, identifying the correct area of policy cover and the limits therein whilst having a clear understanding of when repudiation is required and the process to be undertaken.
- Effective gathering of information/desk-based investigations to enable early arrival at the correct liability decision giving consideration to both economic settlement and commercial considerations.
- Settle Third Party Claims within financial handling authority, up to a value of £50k, through active negotiation to achieve the optimum claims settlement using department and best practice strategies, whilst at all times giving appropriate consideration to avoidance of unjustified litigation.
- A practical understanding of all regulations (existing and new) relevant to each type of claim, such as The Six Pack Regulations for workplace claims, the Defective Premises Act , Occupiers Liability Act 1957 and Landlord and Tenant Act 1985 for Public Liability and Property Owners Liability cases. In addition, the ability to establish where there is a Common Law Duty of Care/ Vicarious Liability. Also a practical knowledge of MOJ is required, as is an ability to deal with cases emanating from both Scotland and Northern Ireland with their differing legal frameworks.
- Handle and deal with all Low Value Pre-Action Protocol injury (MOJ Stage 3) litigation up to the portal value of £25,000 within court deadlines, liaising with Counsel as appropriate. Refer all other litigated cases (non MOJ) requiring legal intervention to our Panel Solicitors.
- Manage and own the customer experience (including third party), ensuring adherence at all times to the principles of Treating Customers Fairly, highlighting where you do not feel our processes support contribution to the overall success of the business
- Manage and maintain effective relationship with both internal (Counter Fraud, Underwriting etc) and external stakeholders (Rehabilitation providers, medical experts, Counsel, Forensic Accountants, Brokers, Panel Solicitors etc) to ensure adherence to internal and external policies, procedures and governance.
- Proactively identifying trends and using relevant data and information to understand and promote emerging issues, maintaining an awareness of solicitor behaviours and changes in relevant legislation to understand the market place and claims handling approaches, provide suggestions for improvements
- Identify, own and manage the risks involved in running our business appropriate to my role, in line with the DLG risk framework.
What we're looking for
- Ability/experience of handling claims involving, Employers Liability, Public Liability and Property Liability, as well as Disease and Product claims.
- Ability/experience in managing, end-to-end claims processes, with a preference for experience handling claims valued up to £50K
- An understanding of common law and insurance-related legislation
- Strong problem-solving skills, including the capacity to analyse complex issues, identify root causes, and formulate effective solutions.
- A proactive and results-oriented approach to work, with the drive to meet and exceed performance targets.
What we offer in return
We wouldn’t be where we are today without our people and the wide variety of perspectives and life experiences they bring. That’s why we offer excellent benefits to suit your lifestyle and a flexible working model combining the best parts of home and office-working, varying with the nature of your role. Core benefits include:
- Generous 9% employer pension contribution
- 22 days holiday allowance (plus the option to buy or sell up to 5 days each year)
- 50% off home, motor and pet insurance
- Free travel insurance and Green Flag breakdown cover
- Additional optional Health and Dental insurance
- Plus, many more
There’s no-one else like you. No-one with the exact same mix of strengths, quirks, skills and thoughts. That’s why you could belong here. As part of a team of brilliant individuals, in a place that empowers you to be the best you can be.
We’re proud of who we are, of what we do, and what every single one of us brings. Every person, team, Squad, Tribe and Chapter, across every business that makes our Group. And we’re happy to say we’re customer obsessed.
Join us. Help us keep innovating and putting customers at the heart of everything. To be an insurance company of the future. When we work together, we can all achieve great things. Inspiring, challenging, and supporting each other to aim higher.
Difference makes us who we are. We believe everyone should feel comfortable to bring their whole selves to work – that’s why we champion diverse voices, build workplaces that work for people, and invest in the things that matter. From senior leadership to inclusivity networks, adaptive working to inclusion training, we’ve made it our mission to give you everything you need to be authentically you. Discover more at directlinegroupcareers.com
Together, we’re one of a kind
Ways of Working
Our hybrid model way of working offers a 'best of both worlds' approach combining the best parts of home and office-working, offering flexibility for everyone. When you'll be in the office depends on your role, but most colleagues are in 2 days a week, and we'll consider the flexible working options that work best for you.
Read our flexible working approach here
Hours: 35 hours (Monday to Friday, 9am to 5pm)
Let’s Be Brilliant For Our Customers!
It always feels good, helping people when they need it most. Taking calls, helping customers with queries, finding the right insurance product for their lifestyle. Helping to keep people safe on the roadside when their vehicle breaks down. Being a reassuring presence when someone needs to make a claim. Our contact centre teams give customers all kinds of support. It can get busy, but the culture, training and friendly teams are great here.
The Brands We Work With
Our Customer Service advisors support our customers with a wide range of products and services across some of the UKs well-known brands. As an advisor you may find yourself working across many of these brands including Direct Line, Direct Line for Business, Churchill and Green Flag. Other brands we have are Motability, Privilege, DLG Auto Services, DLG Legal Services and Darwin.
Our Values
Nobody has all the answers.
Think, act and win as one team to deliver great outcomes for our customers each and every day.
Draw upon diverse skills and perspectives, testing and iterating as you go.
Collaborate, communicate and be inclusive.
We want the real, whole you and value diverse perspectives, ideas and opinions. So feel confident and empowered. Believe in yourself as much as we do.
Be you, have fun, and make this a great place to be.
Make it happen. Spot the opportunities, take the initiative and be accountable.
Be brave, innovative and embrace new challenges, doing what’s right not what’s easy. Keep it simple and take risks in a positive way.
Develop new skills, own your own career path and push your talents to the limit.
We need different perspectives, so your input matters. Ask questions, make suggestions, raise concerns but be respectful and make the space to listen to others. Face into difficult conversations so we continue to evolve and improve.
Hiring Process
There’s no one quite like you. Together, we'll uncover your strengths using tailored strategies if needed. Let's bring out the best in you.
What Our Colleagues Say
“I thoroughly enjoy my role at Direct Line Group for a multitude of reasons. Firstly, the people I work with are incredibly supportive and collaborative, making it a pleasure to come to work every day. The company also provides abundant opportunities for professional growth and development, which keeps me motivated and engaged. Furthermore, I find great satisfaction in serving our diverse range of customers, knowing that I play a crucial part in meeting their needs. Overall, the dynamic work environment, the chance to learn and grow, and the meaningful connections with customers make my role at Direct Line Group truly fulfilling.”
Customer Service Advisor
“Following my probation, I would like to say I am really happy working for Direct Line Group. I pretty much like everything about the role, I feel needed and wanted by colleagues and customers. The values of the company are excellent for the customers. I like that the calls are somewhat repetitive, but still each call is still different as each customer is different. I find the Flex type tool was so helpful and I use it on every call. I hope to be able to develop throughout my career at Direct Line Group. I was a bit worried about the tech side of things to begin with and even though I am still not 100% but learning every day.”
Customer Service Advisor
Our Benefits
We wouldn’t be where we are today without our people and the wide variety of perspectives and life experiences they bring. That’s why we offer excellent benefits to suit your lifestyle:
9% employer contributed pension
50% off home, motor and pet insurance plus free travel insurance and Green Flag breakdown cover
Additional optional Health and Dental insurance
Opportunity to apply to our customer service and data apprenticeship to develop your skills for the future
Generous holidays including the option to buy or sell days
Buy as you earn share scheme
Employee discounts and cashback
Plus many more
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