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Insurance Adjuster

Insurance adjusters investigate insurance claims, make recommendations about paying benefits from insurance policies, and negotiate payments and settlements.

Also Known As

Adjuster, Investigator

NOC Codes

In Canada, the federal government groups and organizes occupations based on a National Occupational Classification (NOC) system. This alis occupation may not reflect the entire NOC group it is part of. Data for the NOC group can apply across multiple occupations.

The NOC system is updated every 5 years to reflect changes in the labour market. Government forms and labour market data may group and refer to an occupation differently, depending on the system used. Here is how this occupation has been classified over time:

  • 2006 NOC: Insurance Adjusters (1233.1) 
  • 2006 NOC-S: Insurance Adjusters and Claims Examiners (B113) 
  • 2011 NOC: Insurance adjusters and claims examiners (1312) 
  • 2016 NOC: Insurance adjusters and claims examiners (1312) 
Interests & Abilities

In Alberta, this occupation is part of 1 or more 2006 National Occupational Classification (NOC) groups. If there are multiple related NOC groups, select a NOC heading to learn about each one.

Insurance Adjusters

2006 NOC: 1233.1

Interest Codes

Interest Codes for This NOC Group
METHODICAL

Interest in analyzing information when inspecting automobile, home and other property damage and when examining records and reports

SOCIAL

Interest in negotiating the settlement of claims

directive

Interest in recommending settlements or legal action

Your Interest Codes

To identify or change your interest codes, complete the Interests Exercise in CAREERinsite.

Reading Interest Codes
A Quick Guide

The interest code helps you figure out if you’d like to work in a particular occupation. 

It’s based on the Canadian Work Preference Inventory (CWPI), which measures 5 occupational interests: Directive, Innovative, Methodical, Objective, and Social.

Each set of 3 interest codes for this NOC group is listed in order of importance.

A code in capital letters means it’s a strong fit for the occupation.

A code in all lowercase letters means the fit is weaker.

Learn About Interests

Abilities

Typical ability expectations for this NOC group
Your abilities

To fill in or change the values for your abilities, complete the Abilities Exercise in CAREERinsite.

Mental Abilities

General Learning Ability

Verbal Ability

Numerical Ability

Visual Abilities

Spatial Perception

Form Perception

Clerical Perception

Physical Abilities

Motor Coordination

Finger Dexterity

Manual Dexterity

Understanding Abilities

A Quick Guide

You are born with abilities that help you process certain types of information and turn it into action. These abilities influence which skills you can learn more easily.

The abilities or aptitudes shown for this NOC group come from the General Aptitude Test Battery (GATB). The GATB measures 9 aptitudes. It groups them into 3 categories: mental, visual, and physical.

The abilities scores range from 1 to 5, with 5 being stronger.

Learn About Abilities

Duties
Updated Apr 12, 2022

Insurance adjusters may work for insurance companies or work independently under a fee-for-service agreement. Those employed by insurance companies are called staff or company adjusters.

Whether they are self-employed or work for an independent adjusting firm, independent adjusters may represent either an insurance company or an insured person.

Insurance claims may arise from auto accidents, fires, industrial accidents, theft, product defects, professional errors, or aircraft mishaps. In general, adjusters:

  • Investigate the causes and origins of an insurance claim
  • Determine whether the insured person’s policy covers the event that led to the claim
  • Obtain evidence that there has been, in fact, a loss covered by the policy

When people present insurance claims, adjusters:

  • Determine whether the policy holder’s claim is valid by deciding, for example, who is responsible for the accident
  • Obtain evidence that the amount being claimed is appropriate
  • Advise the parties involved
  • Negotiate settlements

Determining and documenting the validity of a claim often involves interviewing or corresponding with policy holders, claimants, or witnesses. It can involve obtaining statements and copies of documents from police officers, medical personnel, and others with special expertise.

Working Conditions
Updated Apr 12, 2022
  • Strength Required Lift up to 5 kg

Experienced adjusters work alone most of the time. While they are training, they work under close supervision. They may work mostly in an office writing reports and making phone calls, or away from the office interviewing people and gathering evidence. Depending on the nature of the claims they handle, adjusters may need to travel a lot to inspect damage and interview claimants, witnesses, and police officers. Defending decisions in mediation, settlement conferences, and trials can be stressful.

Evening and weekend work is sometimes required. Adjusters may be on call after regular office hours.

Traits & Skills
Updated Apr 12, 2022

Insurance adjusters need:

  • Organizational skills
  • Oral and written communication skills
  • Problem-solving skills
  • The ability to remain calm and impartial when dealing with people who may be under extreme stress
  • The ability to put claimants at ease
  • The ability to work on several projects at once

They should enjoy analyzing information and taking a methodical approach to their work. They should like negotiating with people and making decisions.

Educational Requirements
Updated Apr 12, 2022
  • Minimum Education High school diploma

Insurance adjusters need a combination of related education and on-the-job experience.

Employers prefer to hire people who have at least a high school diploma. Some post-secondary education is a definite asset. Adjusters who do out-of-office investigations need a driver’s licence.

People already working in the insurance field normally take training offered by the Insurance Institute of Canada (IIC). The IIC offers 2 designation programs: Chartered Insurance Professional (CIP) and Fellow Chartered Insurance Professional (FCIP). IIC courses are available in class, virtually, and by distance education through selected post-secondary schools.

Before enrolling in an education program, prospective adjusters should discuss their training options with potential employers.


Related Education

The following schools offer programs or courses that are related to this occupation but are not required to enter the field.

To expand or narrow your search for programs related to this occupation, visit Post-Secondary Programs.

Completing a program does not guarantee entrance into an occupation. Before enrolling in an education program, prospective students should look into various sources for education options and employment possibilities. For example, contact associations and employers in this field.

Certification Requirements
Updated Apr 12, 2022
  • Certification Provincially Regulated

Certain professional titles or duties within this occupation are protected by provincial legislation. Requirements vary if you use these titles or perform these duties.

The related legislation is shown below. If there are multiple related legislations, select a certification heading to learn about each one.

Insurance Adjuster

Insurance adjusters investigate insurance claims on behalf of insurers or individuals. They recommend whether to pay benefits from insurance policies, and negotiate payments and settlements.

Legislation

Under Alberta’s Insurance Act [pdf] and Insurance Agents and Adjusters Regulation [pdf], you must be licensed by the Alberta Insurance Council (AIC) to work as an independent insurance adjuster in Alberta.

For information on what you need and other details, visit the certification profile Insurance Adjuster.

Employment & Advancement
Updated Apr 12, 2022

Some insurance adjusters begin as clerical workers or telephone adjusters in the claims departments of insurance companies or in independent adjusting firms. They expand their knowledge and experience in the field from there.

With additional training, telephone adjusters can be promoted to claims examiners, field adjusters, supervisors, or claims managers.

Industry Concentration

This section shows the industries where the majority of people in this occupation work. The data is based on the 2016 Census.

In Alberta, this occupation is part of 1 or more 2016 National Occupational Classification (NOC) groups.

In the 1312: Insurance adjusters and claims examiners occupational group, 96.1% of people work in:

Employment Outlook

Employment outlook is influenced by a wide variety of factors including:

  • Time of year (for seasonal jobs)
  • Location in Alberta
  • Employment turnover (when people leave existing positions)
  • Occupational growth (when new positions are created)
  • Size of the occupation
  • Trends and events that affect overall employment, especially in the industry or industries from the previous list

In Alberta, the 1312: Insurance adjusters and claims examiners occupational group is expected to have a below-average annual growth of 1.4% from 2019 to 2023. In addition to job openings created by employment turnover, 39 new positions are forecasted to be created within this occupational group each year.

Note
NOC groups often include several related occupations. Although there is labour market data for the larger NOC group, this occupation makes up only a part of that group. It means data for this occupation may be different than the data shown. For example, only some of the new positions to be created will be for this occupation. It also applies to other data for the NOC group such as number of people employed.

Source: Alberta Regional Occupational Demand Outlook

Employment turnover is expected to increase as members of the baby boom generation retire over the next few years.

Wage & Salary
Updated Apr 12, 2022

In Alberta, this occupation is part of 1 or more 2016 National Occupational Classification (NOC) groups. If there are multiple related NOC groups, select a NOC heading to learn about each one.

Insurance adjusters and claims examiners

2016 NOC: 1312
Average Wage
$50.64
Per Hour
Average Salary
$98,621.00
Per Year
Average Hours
37.5
Per Week
Average Months on Payroll
12
Survey Methodology Survey Analysis

Source
2021 Alberta Wage and Salary Survey

NOC 1312 Wage Profile

Unless otherwise noted, the data shown here is for all industries and all regions in Alberta.

All wage estimates are hourly except where otherwise indicated. Wages and salaries do not include overtime hours, tips, benefits, profit shares, bonuses (unrelated to production), and other forms of compensation.

To see the full survey data for this NOC group, visit the wage profile.

Other wage sources
To make an informed wage and salary decision, research other wage sources [pdf] to supplement this data.

C: Lower Reliability
Data Reliability Code Definition

Lower Reliability, represents a CV of between 15.01% and 33.00% and/or if fewer than 20 survey observations and/or if survey observations represent less than 33% of all estimated employment for the occupation.


Hourly Wage

For full-time and part-time employees
  • Low
  • High
  • Average
  • Median
Starting
Overall
Top

Hourly Wage

For full-time and part-time employees
Wages* Low (5th percentile) High (95th percentile) Average Median
Starting $16.41 $44.18 $27.42 $25.64
Overall $20.76 $89.40 $50.64 $44.53
Top $21.76 $259.88 $102.01 $43.27

Swipe left and right to view all data. Scroll left and right to view all data.

* All wage estimates are hourly except where otherwise indicated. Wages and salaries do not include overtime hours, tips, benefits, profit shares, bonuses (unrelated to production) and other forms of compensation.

Pay brackets for hourly wages

  • Starting pay: average pay offered for entry-level positions
  • Overall pay: average pay across all employees in this occupation
  • Top pay: average pay offered to top-paid employees

Industry Information

Finance, Insurance, Real Estate, Leasing
ALL INDUSTRIES

Skills Shortage

Employers that Recruited in the Last 2 Years
44%
44%)
Recruiting Employers that Experienced Hiring Difficulties
0%
0%
Employers with Unfilled Vacancies of over 4 Months
0%
0%
Vacancy Rate
N/A
Related Post-Secondary Field of Study
  • Business, Management and Administrative Studies
Other Sources of Information
Updated Apr 12, 2022

Alberta Insurance Council (AIC) website: www.abcouncil.ab.ca

Insurance Institute of Canada (IIC) website: www.insuranceinstitute.ca

IIC, Career Connections website: www.career-connections.info

Get information and referrals about career, education, and employment options from Alberta Supports.

Updated Mar 31, 2022. The information contained in this profile is current as of the dates shown. Salary, employment outlook, and educational program information may change without notice. It is advised that you confirm this information before making any career decisions.

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