28 Liability Claims jobs in South Africa

Main job function
Engineering & Liability claims negotiator

The duties of this position include but shall not be limited to the following:

Operational:
1. Attending to own damage claims, liability and SASRIA claims (amongst others) in respect of Plant All Risk, Contractors All Risk, Machinery Breakdown & Business Interruption and Electronic Equipment (where applicable);
2. Actively manage and oversee start to end of claims function.
3. Contribute to the growth and profitability of the Company by providing excellent service and maintaining relationships.
4. Manage and organize day to day operations by establishing priorities to ensure registering, handling and settling of claims on Company’s delegated authority and at the same time maintain the standards of the claims department.
5. Controlling of registers, compliance with SLA’s, diary management, quantum, recoveries, salvage and secure proper claims maintenance.
6. Assess the claims internally.
7. Ensure all technical aspects for claims settlement are adhered to.
8. Negotiate settlement of the claims with all relevant stakeholders.
9. Daily diary files to be extracted and dealt with e.g. letters of demand, final notices reminders and follow-up assessors’ reports.
10. Processing payments on system:
a. Registering claims with the reinsurers/co insurers companies.
b. Facultative reinsurance & co-insurance recoveries.
c. Monitor and periodically review estimates.
d. Appointment of investigators, assessors, loss adjusters and other experts if necessary.
11. Negotiate discounts to reduce costs with repairers, service providers and partners, without compromising quality or harming client retention initiatives.
12. Attend to Third party claims in terms of the Contractors Third Party Liability cover.
13. Signing off third-party releases; and
14. Third Party recoveries.

Relationship Management:
1. Liaising in a professional manner with brokers and other insurers in respect of claims aspects:
a. Following up on regular intervals and providing constructive feedback to brokers and management.
b. respond to queries within 24 hours.
2. Work with different people internally and externally to improve service, efficiency, and improve presentation of information.
3. Actively build, improve and maintain relationships with all stakeholders, i.e. internally and externally

A Consultant will be in touch if you are shortlisted for the position. Please consider your application unsuccessful should you not have been contacted within 2 weeks. We will keep your CV on our database and contact you should you match the criteria of any other vacancies.

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We have an exciting opportunity for the Claims Specialist within SHA Risk Specialists.

Key responsibilities:

• Attend and manage all aspects related to a portfolio of specialist claims such as claims registration, case management, drafting, diary, recoveries, and settlement negotiations.
• Draft settlement agreements and other legal documents within mandate as per the Claims Governance Folder.
• Strategically manage a portfolio of claims.
• Manage loss adjusters and attorneys appointment on matters and ensure compliance with agreed service level agreements.
• Monitor and manage legal spend of attorneys and loss adjusters.
• Manage system processing and compliance with systems by way of payments, updating signed off reserves, proper recordal of information etc.
• Attend to Operational duties as allocated.
• Compile and manage risk reports when required.
• Actively manage and record claims above certain thresholds as per The Claims Governance Folder and report on matters to Claims Co and Executive where required.
• Comply with internal and external regulatory framework and internal and external processes and procedures in accordance with organisational standards.
• Draft processes and procedures that are compliant with relevant regulatory framework and applicable legislation.
• Effectively liaise and interact with Underwriters.

Analysis:

• Consider, analyse and interpret insurance policy and the contractual impact thereof for the determination of coverage;
• Critically analyse the facts of the matter and their impact on the underlying policy.
• Draft opinions on the interpretation of coverage in relation to the facts and the applicable policy, present and motivate;
• Draft opinions on merits and quantum of matter with the relevant caselaw and legislation applicable;
• Apply critical thinking to ensure appropriate decisions on merits, quantum and policy response.
• Critically consider and evaluate information provided and identify information required.
• Conduct a strategic assessment of claims and make strategic decisions and recommendations on handling of claims.
• Develop and maintain an understanding of technical and legal aspects impacting on the policy’s operation.
• Make representations and recommendations on improved wording and trends identification to underwriters.
• Be involved in continuous training and development in respect of Case Law, Policy wording, etc.
• Assist in identifying and developing SOP’s and processes to ensure claims department effectiveness.
• Take initiative in creating opportunities of interaction with Brokers and Insureds.

Client Liaison (Internal and External):

• Liaise with clients to resolve queries to the satisfaction of the affected parties within the scope of authority and / or responsibility.
• Prepare for and attend meetings and consultation with brokers, insureds, legal representatives and loss adjusters.

• Administrative Skills
• Analysis and Judgement
• Attention to Detail
• Client Orientation
• Communication Skills including negotiation
• Follow Up
• Initiative
• Interpersonal Skills
• Organisational Awareness
• Planning and Organising
• Teamwork
• Computer Literacy
• Ability to strategise and drive a claim to finality

• Matric
• Law Degree
• Admitted attorney
• FAIS compliance a preference
• Previous non-motor liability claims handling experience

Stay safe online. Now more than ever it’s important to be cybersafe. See Santam’s tips to help you stay safe online. Learn more.

We have an exciting opportunity for the Claims Specialist within SHA Risk Specialists.

Key responsibilities:

• Attend and manage all aspects related to a portfolio of specialist claims such as claims registration, case management, drafting, diary, recoveries, and settlement negotiations.
• Draft settlement agreements and other legal documents within mandate as per the Claims Governance Folder.
• Strategically manage a portfolio of claims.
• Manage loss adjusters and attorneys appointment on matters and ensure compliance with agreed service level agreements.
• Monitor and manage legal spend of attorneys and loss adjusters.
• Manage system processing and compliance with systems by way of payments, updating signed off reserves, proper recordal of information etc.
• Attend to Operational duties as allocated.
• Compile and manage risk reports when required.
• Actively manage and record claims above certain thresholds as per The Claims Governance Folder and report on matters to Claims Co and Executive where required.
• Comply with internal and external regulatory framework and internal and external processes and procedures in accordance with organisational standards.
• Draft processes and procedures that are compliant with relevant regulatory framework and applicable legislation.
• Effectively liaise and interact with Underwriters.

Analysis:

• Consider, analyse and interpret insurance policy and the contractual impact thereof for the determination of coverage;
• Critically analyse the facts of the matter and their impact on the underlying policy.
• Draft opinions on the interpretation of coverage in relation to the facts and the applicable policy, present and motivate;
• Draft opinions on merits and quantum of matter with the relevant caselaw and legislation applicable;
• Apply critical thinking to ensure appropriate decisions on merits, quantum and policy response.
• Critically consider and evaluate information provided and identify information required.
• Conduct a strategic assessment of claims and make strategic decisions and recommendations on handling of claims.
• Develop and maintain an understanding of technical and legal aspects impacting on the policy’s operation.
• Make representations and recommendations on improved wording and trends identification to underwriters.
• Be involved in continuous training and development in respect of Case Law, Policy wording, etc.
• Assist in identifying and developing SOP’s and processes to ensure claims department effectiveness.
• Take initiative in creating opportunities of interaction with Brokers and Insureds.

Client Liaison (Internal and External):

• Liaise with clients to resolve queries to the satisfaction of the affected parties within the scope of authority and / or responsibility.
• Prepare for and attend meetings and consultation with brokers, insureds, legal representatives and loss adjusters.

• Administrative Skills
• Analysis and Judgement
• Attention to Detail
• Client Orientation
• Communication Skills including negotiation
• Follow Up
• Initiative
• Interpersonal Skills
• Organisational Awareness
• Planning and Organising
• Teamwork
• Computer Literacy
• Ability to strategise and drive a claim to finality

• Matric
• Law Degree
• Admitted attorney
• FAIS compliance a preference
• Previous non-motor liability claims handling experience

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Santam Marine has a career opportunity for a Senior Claims Specialist in the Claims department which will be based in Gauteng.

The successful candidate will manage a complex portfolio of claims from notification to closure, investing the necessary level of involvement required for each claim depending on, inter alia, the nature, category, maturity, type and quantum of the claim. This includes but are not limited to:

• Regularly review individual claims within the portfolio and keep reserves and records up to date as required by Santam Marine claims controls and standards.
• Identify issues and trends in the portfolio and take appropriate and/or corrective action.
• Ensure that all claims rejections are referred to Management for discussion before submission to Client.
• Demonstrating thorough and sound application of policy knowledge to claims.
• Display fair legal understanding in dealing with technical complex claims.
• Provide feedback to leadership for all internal and external (OSTI) complaints withing the agreed service level agreement.
• Escalate problem claims to management (summons/brand and or reputational damage/complaints and near miss losses)
• Follow at all times Santam Marine Claims Reserving Philosophy and Claims Standards.
• Provide input to develop and execute claims strategies considering uncertainties, key decisions, risk management, and estimated associated costs.
• Understand and implement Santam Marine’s “Treating Customers Fairly” policy.
• Understand and execute the requirements set out by the Internal Osti and Client Liaison division for complaints within the ethos of Santam Groups Claims Framework.

Working with Underwriters

• Develop an understanding of marketing and underwriting strategies for your business area and contribute to business development and renewal opportunities by attending client meetings to explain the Santam Marine claims philosophy and approach to claims handling and discussing any claims issues.
• Provide input to underwriters on review of potential or existing insured’s claims experience.
• Provide feedback on claims trends and developments and their potential impact on the book.
• Collaborate with the marketing, underwriting and leadership regarding grey areas on policy wordings.

Authority and Minimum Standards Observance

• Operate within your approved claims authority at all times.
• Implement minimum operating and claim standards.
• Have thorough knowledge of industry regulations and minimum standards to ensure compliance with the regulations and Santam Marine claims and underwriting control standards and protocols.

Third party Management

• Follow Santam Marine claims procedures for the selection and retention of third-party professionals and manage these relationships to the benefit of Santam Marine claims.
• Where required conduct claim file reviews or audits and resolve any issues identified.

Broker and Insured Relations

• Work proactively to develop and manage strong relations with key brokers and insureds.
• Promote the Santam Marine brand of excellence and professionalism in client service.
• Updates and follow-ups with Brokers and Surveyors.
• When required, provide Broker with Loss Ratio Reports.
• Where required attend meetings with Relationship Managers, ensure that the Claims Manager is included.
• Claim Specialist and Claim Handler’s should not attend to meetings without a team leader and/or management.

Conflict of Interest

• Adhere to Santam Marine Conflicts of Interest policy, alert the appropriate person to any potential conflicts of interest and take steps to resolve them promptly.
• Immediately advise Head of Department if any Santam Marine Claims employee seeks to exert undue influence on you or any other team member to act improperly in the management, reserving or settlement of any claim.

People Management

• Day-to-day assistance and collaboration with remainder of team in respect of review, sign off, mentoring and on the job training as and when required.
• Contribute to, encourage and ensure teamwork in order to promote a healthy and engaged workforce.
• Review adjustments of Claim Handler/s.

Client Liaison (Internal and External)

• Respond to queries and resolve to the satisfaction of the affected parties within the scope of authority and / or responsibility.
• Prepare for and attend meetings.
• Report to Team Leader and Management complex claims and issues relating to the complex/large losses.

General Administration

• Produce reports when required (Claims Summary).
• Attend to the typing of general correspondence when necessary.
• Attend to daily administrative routine tasks in accordance with organisational standards, processes and procedures.
  Appointment of recovery agents for third party recoveries.
• Reviewing/Assessment of survey reports
• Appointment of Attorneys
• Kit estimate, note updates and Kit diary follow-up’s
• Review and check adjustment
• Check and sign-off claim payment
• Check and sign-off FX payments
• Verify Bridger checks
• Maintain a filing system - All documents must be uploaded onto MFiles

• Matric
• Relevant Legal or Commercial degree a preference
• Minimum 7 years actual marine specialist liability claims experience including an understanding of reinsurance facultative inwards and outwards and complex matters

• Good written and verbal communication skills.
• Written and Verbal communication skills (English)
• Development of critical skills and capabilities
• Excellent accounting and reconciliation skills for claim adjustments

• Strong Attention to Detail
• Demonstrates Initiative
• Strategic thinking and planning that challenges assumptions
• A conceptual, lateral and analytical thinking balance
• Excellent communication skills and ability to lead meetings
• Strong relationship and general management skills
• Financial skills (budget management)
• Delivery/ results orientation
• Process management and improvement
• Strong negotiation and influencing skills
• Strong Team focussed approach
• Strong Focus on Risk and TCF

Santam is the market leader in the general insurance industry in Southern Africa. As a large, diversified, and expanding company, we are committed to transformation and growth. While our headquarters are in South Africa, we are rapidly extending our presence into emerging markets across Africa and Asia.

With a client base of over 1 million policyholders, Santam serves individuals, commercial enterprises, specialist business owners, and institutions—including 80 of the Top 100 companies listed on the JSE. Our commitment to Insurance, Good and Proper goes beyond just providing cover—we offer peace of mind, ensuring our clients can focus on living in the moment, not worrying about the unexpected. Because at Santam, we believe the freedom to seize every day is worth protecting.

People drive our business, and we are committed to attracting the best talent, whether for permanent roles or short-term opportunities.

Santam is committed to diversity, inclusion, and belonging. As an equal opportunity employer, we encourage applications from candidates of all backgrounds, including persons with disabilities. We are dedicated to neuro-inclusivity and fostering a workplace where everyone can thrive.

Take the next step in your career—apply now and be part of a company that’s shaping the future of insurance. This is Freedom!

Press Tab to Move to Skip to Content Link

Select how often (in days) to receive an alert: Create Alert

Santam Marine has a career opportunity for a Senior Claims Specialist in the Claims department which will be based in Gauteng.

The successful candidate will manage a complex portfolio of claims from notification to closure, investing the necessary level of involvement required for each claim depending on, inter alia, the nature, category, maturity, type and quantum of the claim. This includes but are not limited to:

• Regularly review individual claims within the portfolio and keep reserves and records up to date as required by Santam Marine claims controls and standards.
• Identify issues and trends in the portfolio and take appropriate and/or corrective action.
• Ensure that all claims rejections are referred to Management for discussion before submission to Client.
• Demonstrating thorough and sound application of policy knowledge to claims.
• Display fair legal understanding in dealing with technical complex claims.
• Provide feedback to leadership for all internal and external (OSTI) complaints withing the agreed service level agreement.
• Escalate problem claims to management (summons/brand and or reputational damage/complaints and near miss losses)
• Follow at all times Santam Marine Claims Reserving Philosophy and Claims Standards.
• Provide input to develop and execute claims strategies considering uncertainties, key decisions, risk management, and estimated associated costs.
• Understand and implement Santam Marine’s “Treating Customers Fairly” policy.
• Understand and execute the requirements set out by the Internal Osti and Client Liaison division for complaints within the ethos of Santam Groups Claims Framework.

Working with Underwriters

• Develop an understanding of marketing and underwriting strategies for your business area and contribute to business development and renewal opportunities by attending client meetings to explain the Santam Marine claims philosophy and approach to claims handling and discussing any claims issues.
• Provide input to underwriters on review of potential or existing insured’s claims experience.
• Provide feedback on claims trends and developments and their potential impact on the book.
• Collaborate with the marketing, underwriting and leadership regarding grey areas on policy wordings.

Authority and Minimum Standards Observance

• Operate within your approved claims authority at all times.
• Implement minimum operating and claim standards.
• Have thorough knowledge of industry regulations and minimum standards to ensure compliance with the regulations and Santam Marine claims and underwriting control standards and protocols.

Third party Management

• Follow Santam Marine claims procedures for the selection and retention of third-party professionals and manage these relationships to the benefit of Santam Marine claims.
• Where required conduct claim file reviews or audits and resolve any issues identified.

Broker and Insured Relations

• Work proactively to develop and manage strong relations with key brokers and insureds.
• Promote the Santam Marine brand of excellence and professionalism in client service.
• Updates and follow-ups with Brokers and Surveyors.
• When required, provide Broker with Loss Ratio Reports.
• Where required attend meetings with Relationship Managers, ensure that the Claims Manager is included.
• Claim Specialist and Claim Handler’s should not attend to meetings without a team leader and/or management.

Conflict of Interest

• Adhere to Santam Marine Conflicts of Interest policy, alert the appropriate person to any potential conflicts of interest and take steps to resolve them promptly.
• Immediately advise Head of Department if any Santam Marine Claims employee seeks to exert undue influence on you or any other team member to act improperly in the management, reserving or settlement of any claim.

People Management

• Day-to-day assistance and collaboration with remainder of team in respect of review, sign off, mentoring and on the job training as and when required.
• Contribute to, encourage and ensure teamwork in order to promote a healthy and engaged workforce.
• Review adjustments of Claim Handler/s.

Client Liaison (Internal and External)

• Respond to queries and resolve to the satisfaction of the affected parties within the scope of authority and / or responsibility.
• Prepare for and attend meetings.
• Report to Team Leader and Management complex claims and issues relating to the complex/large losses.

General Administration

• Produce reports when required (Claims Summary).
• Attend to the typing of general correspondence when necessary.
• Attend to daily administrative routine tasks in accordance with organisational standards, processes and procedures.
  Appointment of recovery agents for third party recoveries.
• Reviewing/Assessment of survey reports
• Appointment of Attorneys
• Kit estimate, note updates and Kit diary follow-up’s
• Review and check adjustment
• Check and sign-off claim payment
• Check and sign-off FX payments
• Verify Bridger checks
• Maintain a filing system - All documents must be uploaded onto MFiles

• Matric
• Relevant Legal or Commercial degree a preference
• Minimum 7 years actual marine specialist liability claims experience including an understanding of reinsurance facultative inwards and outwards and complex matters

• Good written and verbal communication skills.
• Written and Verbal communication skills (English)
• Development of critical skills and capabilities
• Excellent accounting and reconciliation skills for claim adjustments

• Strong Attention to Detail
• Demonstrates Initiative
• Strategic thinking and planning that challenges assumptions
• A conceptual, lateral and analytical thinking balance
• Excellent communication skills and ability to lead meetings
• Strong relationship and general management skills
• Financial skills (budget management)
• Delivery/ results orientation
• Process management and improvement
• Strong negotiation and influencing skills
• Strong Team focussed approach
• Strong Focus on Risk and TCF

Santam is the market leader in the general insurance industry in Southern Africa. As a large, diversified, and expanding company, we are committed to transformation and growth. While our headquarters are in South Africa, we are rapidly extending our presence into emerging markets across Africa and Asia.

With a client base of over 1 million policyholders, Santam serves individuals, commercial enterprises, specialist business owners, and institutions—including 80 of the Top 100 companies listed on the JSE. Our commitment to Insurance, Good and Proper goes beyond just providing cover—we offer peace of mind, ensuring our clients can focus on living in the moment, not worrying about the unexpected. Because at Santam, we believe the freedom to seize every day is worth protecting.

People drive our business, and we are committed to attracting the best talent, whether for permanent roles or short-term opportunities.

Santam is committed to diversity, inclusion, and belonging. As an equal opportunity employer, we encourage applications from candidates of all backgrounds, including persons with disabilities. We are dedicated to neuro-inclusivity and fostering a workplace where everyone can thrive.

Take the next step in your career—apply now and be part of a company that’s shaping the future of insurance. This is Freedom!

Salary: R 240,000 - R 280,000 Annually Cost To Company

The main purpose of the Claims Specialist’s role is to validate and administer a client’s claim following a fortuitous event. The claims specialist will be responsible for various Non-Motor Claims. Claims settlement determinations are made in accordance with Standard Operating Procedures, claims guidelines, the specialist's own mandate, and the client’s policy schedule.

1. Matric Certificate – essential
2. RE – highly advantageous
3. Higher Certificate in Short Term Insurance - NQF 5 or Full Qualification NQF 4 – highly advantageous
4. Must be compliant with FAIS Fit and Proper requirements with a track record of working unsupervised
5. Computer literate – Microsoft Word, Excel, and Outlook
6. Experience working on the TIAL Operating System (System A) – highly advantageous
7. 1-2 Years relevant work experience in claims validations and settlement
8. Exposure to short-term insurance claims administration – highly advantageous

Please note that only shortlisted candidates will be contacted.

Press Tab to Move to Skip to Content Link

Select how often (in days) to receive an alert: Create Alert

Santam Marine has a career opportunity for a Senior Claims Specialist in the Claims department which will be based in Gauteng.

The successful candidate will manage a complex portfolio of claims from notification to closure, investing the necessary level of involvement required for each claim depending on, inter alia, the nature, category, maturity, type and quantum of the claim. This includes but are not limited to:

• Regularly review individual claims within the portfolio and keep reserves and records up to date as required by Santam Marine claims controls and standards.
• Identify issues and trends in the portfolio and take appropriate and/or corrective action.
• Ensure that all claims rejections are referred to Management for discussion before submission to Client.
• Demonstrating thorough and sound application of policy knowledge to claims.
• Display fair legal understanding in dealing with technical complex claims.
• Provide feedback to leadership for all internal and external (OSTI) complaints withing the agreed service level agreement.
• Escalate problem claims to management (summons/brand and or reputational damage/complaints and near miss losses)
• Follow at all times Santam Marine Claims Reserving Philosophy and Claims Standards.
• Provide input to develop and execute claims strategies considering uncertainties, key decisions, risk management, and estimated associated costs.
• Understand and implement Santam Marine’s “Treating Customers Fairly” policy.
• Understand and execute the requirements set out by the Internal Osti and Client Liaison division for complaints within the ethos of Santam Groups Claims Framework.

Working with Underwriters

• Develop an understanding of marketing and underwriting strategies for your business area and contribute to business development and renewal opportunities by attending client meetings to explain the Santam Marine claims philosophy and approach to claims handling and discussing any claims issues.
• Provide input to underwriters on review of potential or existing insured’s claims experience.
• Provide feedback on claims trends and developments and their potential impact on the book.
• Collaborate with the marketing, underwriting and leadership regarding grey areas on policy wordings.

Authority and Minimum Standards Observance

• Operate within your approved claims authority at all times.
• Implement minimum operating and claim standards.
• Have thorough knowledge of industry regulations and minimum standards to ensure compliance with the regulations and Santam Marine claims and underwriting control standards and protocols.

Third party Management

• Follow Santam Marine claims procedures for the selection and retention of third-party professionals and manage these relationships to the benefit of Santam Marine claims.
• Where required conduct claim file reviews or audits and resolve any issues identified.

Broker and Insured Relations

• Work proactively to develop and manage strong relations with key brokers and insureds.
• Promote the Santam Marine brand of excellence and professionalism in client service.
• Updates and follow-ups with Brokers and Surveyors.
• When required, provide Broker with Loss Ratio Reports.
• Where required attend meetings with Relationship Managers, ensure that the Claims Manager is included.
• Claim Specialist and Claim Handler’s should not attend to meetings without a team leader and/or management.

Conflict of Interest

• Adhere to Santam Marine Conflicts of Interest policy, alert the appropriate person to any potential conflicts of interest and take steps to resolve them promptly.
• Immediately advise Head of Department if any Santam Marine Claims employee seeks to exert undue influence on you or any other team member to act improperly in the management, reserving or settlement of any claim.

People Management

• Day-to-day assistance and collaboration with remainder of team in respect of review, sign off, mentoring and on the job training as and when required.
• Contribute to, encourage and ensure teamwork in order to promote a healthy and engaged workforce.
• Review adjustments of Claim Handler/s.

Client Liaison (Internal and External)

• Respond to queries and resolve to the satisfaction of the affected parties within the scope of authority and / or responsibility.
• Prepare for and attend meetings.
• Report to Team Leader and Management complex claims and issues relating to the complex/large losses.

General Administration

• Produce reports when required (Claims Summary).
• Attend to the typing of general correspondence when necessary.
• Attend to daily administrative routine tasks in accordance with organisational standards, processes and procedures.
  Appointment of recovery agents for third party recoveries.
• Reviewing/Assessment of survey reports
• Appointment of Attorneys
• Kit estimate, note updates and Kit diary follow-up’s
• Review and check adjustment
• Check and sign-off claim payment
• Check and sign-off FX payments
• Verify Bridger checks
• Maintain a filing system - All documents must be uploaded onto MFiles

• Matric
• Relevant Legal or Commercial degree a preference
• Minimum 7 years actual marine specialist liability claims experience including an understanding of reinsurance facultative inwards and outwards and complex matters

• Good written and verbal communication skills.
• Written and Verbal communication skills (English)
• Development of critical skills and capabilities
• Excellent accounting and reconciliation skills for claim adjustments

• Strong Attention to Detail
• Demonstrates Initiative
• Strategic thinking and planning that challenges assumptions
• A conceptual, lateral and analytical thinking balance
• Excellent communication skills and ability to lead meetings
• Strong relationship and general management skills
• Financial skills (budget management)
• Delivery/ results orientation
• Process management and improvement
• Strong negotiation and influencing skills
• Strong Team focussed approach
• Strong Focus on Risk and TCF

Santam is the market leader in the general insurance industry in Southern Africa. As a large, diversified, and expanding company, we are committed to transformation and growth. While our headquarters are in South Africa, we are rapidly extending our presence into emerging markets across Africa and Asia.

With a client base of over 1 million policyholders, Santam serves individuals, commercial enterprises, specialist business owners, and institutions—including 80 of the Top 100 companies listed on the JSE. Our commitment to Insurance, Good and Proper goes beyond just providing cover—we offer peace of mind, ensuring our clients can focus on living in the moment, not worrying about the unexpected. Because at Santam, we believe the freedom to seize every day is worth protecting.

People drive our business, and we are committed to attracting the best talent, whether for permanent roles or short-term opportunities.

Santam is committed to diversity, inclusion, and belonging. As an equal opportunity employer, we encourage applications from candidates of all backgrounds, including persons with disabilities. We are dedicated to neuro-inclusivity and fostering a workplace where everyone can thrive.

Take the next step in your career—apply now and be part of a company that’s shaping the future of insurance. This is Freedom!

Press Tab to Move to Skip to Content Link

Select how often (in days) to receive an alert: Create Alert

Santam Marine has a career opportunity for a Senior Claims Specialist in the Claims department which will be based in Gauteng.

The successful candidate will manage a complex portfolio of claims from notification to closure, investing the necessary level of involvement required for each claim depending on, inter alia, the nature, category, maturity, type and quantum of the claim. This includes but are not limited to:

• Regularly review individual claims within the portfolio and keep reserves and records up to date as required by Santam Marine claims controls and standards.
• Identify issues and trends in the portfolio and take appropriate and/or corrective action.
• Ensure that all claims rejections are referred to Management for discussion before submission to Client.
• Demonstrating thorough and sound application of policy knowledge to claims.
• Display fair legal understanding in dealing with technical complex claims.
• Provide feedback to leadership for all internal and external (OSTI) complaints withing the agreed service level agreement.
• Escalate problem claims to management (summons/brand and or reputational damage/complaints and near miss losses)
• Follow at all times Santam Marine Claims Reserving Philosophy and Claims Standards.
• Provide input to develop and execute claims strategies considering uncertainties, key decisions, risk management, and estimated associated costs.
• Understand and implement Santam Marine’s “Treating Customers Fairly” policy.
• Understand and execute the requirements set out by the Internal Osti and Client Liaison division for complaints within the ethos of Santam Groups Claims Framework.

Working with Underwriters

• Develop an understanding of marketing and underwriting strategies for your business area and contribute to business development and renewal opportunities by attending client meetings to explain the Santam Marine claims philosophy and approach to claims handling and discussing any claims issues.
• Provide input to underwriters on review of potential or existing insured’s claims experience.
• Provide feedback on claims trends and developments and their potential impact on the book.
• Collaborate with the marketing, underwriting and leadership regarding grey areas on policy wordings.

Authority and Minimum Standards Observance

• Operate within your approved claims authority at all times.
• Implement minimum operating and claim standards.
• Have thorough knowledge of industry regulations and minimum standards to ensure compliance with the regulations and Santam Marine claims and underwriting control standards and protocols.

Third party Management

• Follow Santam Marine claims procedures for the selection and retention of third-party professionals and manage these relationships to the benefit of Santam Marine claims.
• Where required conduct claim file reviews or audits and resolve any issues identified.

Broker and Insured Relations

• Work proactively to develop and manage strong relations with key brokers and insureds.
• Promote the Santam Marine brand of excellence and professionalism in client service.
• Updates and follow-ups with Brokers and Surveyors.
• When required, provide Broker with Loss Ratio Reports.
• Where required attend meetings with Relationship Managers, ensure that the Claims Manager is included.
• Claim Specialist and Claim Handler’s should not attend to meetings without a team leader and/or management.

Conflict of Interest

• Adhere to Santam Marine Conflicts of Interest policy, alert the appropriate person to any potential conflicts of interest and take steps to resolve them promptly.
• Immediately advise Head of Department if any Santam Marine Claims employee seeks to exert undue influence on you or any other team member to act improperly in the management, reserving or settlement of any claim.

People Management

• Day-to-day assistance and collaboration with remainder of team in respect of review, sign off, mentoring and on the job training as and when required.
• Contribute to, encourage and ensure teamwork in order to promote a healthy and engaged workforce.
• Review adjustments of Claim Handler/s.

Client Liaison (Internal and External)

• Respond to queries and resolve to the satisfaction of the affected parties within the scope of authority and / or responsibility.
• Prepare for and attend meetings.
• Report to Team Leader and Management complex claims and issues relating to the complex/large losses.

General Administration

• Produce reports when required (Claims Summary).
• Attend to the typing of general correspondence when necessary.
• Attend to daily administrative routine tasks in accordance with organisational standards, processes and procedures.
  Appointment of recovery agents for third party recoveries.
• Reviewing/Assessment of survey reports
• Appointment of Attorneys
• Kit estimate, note updates and Kit diary follow-up’s
• Review and check adjustment
• Check and sign-off claim payment
• Check and sign-off FX payments
• Verify Bridger checks
• Maintain a filing system - All documents must be uploaded onto MFiles

• Matric
• Relevant Legal or Commercial degree a preference
• Minimum 7 years actual marine specialist liability claims experience including an understanding of reinsurance facultative inwards and outwards and complex matters

• Good written and verbal communication skills.
• Written and Verbal communication skills (English)
• Development of critical skills and capabilities
• Excellent accounting and reconciliation skills for claim adjustments

• Strong Attention to Detail
• Demonstrates Initiative
• Strategic thinking and planning that challenges assumptions
• A conceptual, lateral and analytical thinking balance
• Excellent communication skills and ability to lead meetings
• Strong relationship and general management skills
• Financial skills (budget management)
• Delivery/ results orientation
• Process management and improvement
• Strong negotiation and influencing skills
• Strong Team focussed approach
• Strong Focus on Risk and TCF

Santam is the market leader in the general insurance industry in Southern Africa. As a large, diversified, and expanding company, we are committed to transformation and growth. While our headquarters are in South Africa, we are rapidly extending our presence into emerging markets across Africa and Asia.

With a client base of over 1 million policyholders, Santam serves individuals, commercial enterprises, specialist business owners, and institutions—including 80 of the Top 100 companies listed on the JSE. Our commitment to Insurance, Good and Proper goes beyond just providing cover—we offer peace of mind, ensuring our clients can focus on living in the moment, not worrying about the unexpected. Because at Santam, we believe the freedom to seize every day is worth protecting.

People drive our business, and we are committed to attracting the best talent, whether for permanent roles or short-term opportunities.

Santam is committed to diversity, inclusion, and belonging. As an equal opportunity employer, we encourage applications from candidates of all backgrounds, including persons with disabilities. We are dedicated to neuro-inclusivity and fostering a workplace where everyone can thrive.

Take the next step in your career—apply now and be part of a company that’s shaping the future of insurance. This is Freedom!

R 3000 - R 36000 Annually Cost To Company

The main purpose of the Claims Specialist’s role is to validate and process short-term insurance claims following a fortuitous event. Working in close partnership with an allocated portfolio of brokers, the Binder and Outsource Claims Specialist will specifically make claims validation decisions on complex and high value claims that exceed the broker’s mandate (for both Motor and Non-Motor, Personal Lines and Commercial Lines).

The Claims specialist will also fulfill a coaching role, assisting and guiding binder and outsource brokers to make correct claims validation determinations on all claims that fall within their defined mandate.

The Claims Specialist will oversee the training and oversight of the binder and outsource brokers

Key Performance Areas:

• Validation of claims in line with Company guidelines and Standard Operating Procedures
• Management of Large loss and complex claims
• Appointment of necessary providers
• AuthorizationsSettlement of claims
• Rejection of claims
• Processing payments within the turn-around time
• Payment confirmations to Brokers and Suppliers
• Assisting clients and brokers over the phone / email with claims and queries
• Relationship Management with allocated brokers, including training of brokers with binder and outsource
  agreements
• Oversight and management of binder and outsource brokers
• Complaints handling and resolution
• Liaising with Service Providers
• Liaising with brokers and clients

• Matric Certificate – essential
• Regulatory Exam
• Further Education and Training Certificate in Short-Term Insurance – NQF 4, and/ or a Higher Certificate in
  Short term Insurance - NQF 5
• Class of Business certification (Personal Lines & Commercial Lines) – Highly advantageous
• Must be compliant with FAIS Fit and Proper requirements with track-record of working unsupervised.
• Marine and Engineering knowledge – Highly advantageous
• Computer literate – Microsoft Word, Excel, and Outlook
• Experience in Commercial and Personal lines
• At least 5-years’ relevant work experience in claims validations and settlement (both in Motor and NonMotor claims, as well as in both Personal Lines and Commercial Lines classes of business)
• Work experience within a licensed insurer, or Underwriting Manager.
• Experienced in making claims settlement determinations with mandate exceeding R250 000.00
• Sound technical knowledge and understanding of relevant short term insurance policy wording