Insurance Investigators, Loss Adjusters and Risk Surveyors conduct investigations into insurance claims to ensure their validity, inspect and assess the damage and loss to insured properties and businesses, estimate insurance costs, and inspect insured properties to evaluate conditions affecting underwriting standards.

A Certificate III including at least 2 years of on-the-job training, or a Certificate IV, or at least 3 years of relevant experience is required to work in this job. Even with a qualification, sometimes additional experience or on-the-job training is needed. Registration or licensing may be required.

Tasks

  • examining scenes of incidents resulting in insurance claims to determine causes and effects
  • interviewing witnesses and claimants to obtain details required to assess the validity of claims and identify the parties responsible for accidents, damage and loss, and preparing statements and reports
  • inspecting damaged buildings, equipment and motor vehicles and estimating the cost of repairs
  • estimating business losses resulting from fire, theft and other business disruptions
  • reporting the extent of damage and estimated costs to the insurer
  • inspecting property, buildings and operations of commercial and industrial establishments to assess physical conditions and work practices
  • evaluating the adequacy of security, fire and related systems
  • preparing reports and recommending action to reduce risks
  • compiling data which influence the determination of premium rates

Job Titles

  • Insurance Investigator
  • Insurance Loss Adjuster
  • Insurance Risk Surveyor
  • Insurance Investigator

    Conducts investigations into insurance claims to ensure their validity. Registration or licensing is required.

  • Insurance Loss Adjuster (also called Insurance Loss Assessor)

    Inspects and assesses the damage and loss to insured property and business, estimates insurance costs, and acts to minimise the cost of claims to an insurance company.

  • Insurance Risk Surveyor

    Inspects items and properties to evaluate conditions affecting underwriting standards, and develops and promotes safety programs.

Fast Facts

  • Avg. Weekly Pay

    Unavailable
  • Future Growth

    decline
  • Skill Level

    Certificate III or IV
  • Employment Size

    4,500
  • Unemployment

    below average
  • Male Share

    61.7%
  • Female Share

    38.3%
  • Full-Time Share

    90.9%

Find Vacancies

This is a very small occupation employing 4500 workers. Over the past 5 years the number of jobs has fallen.
A fall in the number of jobs is expected in the future. New jobs and turnover from workers leaving may create up to 5,000 job openings over the 5 years to 2020.

  • Insurance Investigators, Loss Adjusters and Risk Surveyors work in most parts of Australia.
  • They mainly work in: Financial and Insurance Services; Public Administration and Safety; and Professional, Scientific and Technical Services.
  • Almost all work full-time. Full-time workers, on average, work 41.9 hours per week (compared to the all jobs average of 40 hours).
  • The average age is 43 years (compared to the all jobs average of 40 years).
  • Around 6 in 10 workers are male.
  • In 2016, the unemployment rate was below average.

Employment Outlook

Number of Workers

Source: ABS Labour Force Survey, Department of Employment trend data to November 2015 and Department of Employment projections to 2020.
YearNumber of Workers
20056400
20065100
20077600
20086400
20096800
20105900
20114200
20126100
20136900
20144700
20154500
20203800

Weekly Earnings

Full-time Earnings

All Jobs Average

Weekly Earnings (before tax)

No data is available for the selected graph for this Occupation.

Hours

Weekly Hours Worked

Source: Based on ABS Labour Force Survey, annual average 2016, Cat. No. 6291.0.55.003: Customised Report. Hours actually worked by people who usually work full-time, and share of employment by full-time and part-time status, for this job compared to the all jobs average.
CategoryInsurance Investigators, Loss Adjusters and Risk SurveyorsAll Jobs Average
Full-time90.968.4
Part-time9.131.6
Average Weekly Hours (full-time)41.940.0

Main Industries

Top Industries

Main Employing Industries (% share)

Source: Based on ABS Labour Force Survey, annual average 2016, Cat. No. 6291.0.55.003: Customised Report. Industries are based on the Australian and New Zealand Standard Industrial Classification (ANZSIC 06).
Main Employing IndustriesIndustry (% share)
Financial and Insurance Services78.7
Public Administration and Safety9.2
Professional, Scientific and Technical Services5.3
Rental, Hiring and Real Estate Services3.0
Other Industries3.8

States and Territories

  • NSW

  • VIC

  • QLD

  • SA

  • TAS

  • NT

  • ACT

Employment by State and Territory (% share)

Source: Based on ABS Labour Force Survey, annual average 2016, Cat. No. 6291.0.55.003: Customised Report. Share of workers across Australian States and Territories, in this job compared to the all jobs average.
StateInsurance Investigators, Loss Adjusters and Risk SurveyorsAll Jobs Average
NSW36.931.8
VIC22.625.5
QLD15.719.8
SA11.06.8
WA10.311.2
TAS2.62.0
NT1.11.1
ACT0.01.8

Age Profile

Age Profile (% share)

Source: Based on ABS Labour Force Survey, annual average 2016, Cat. No. 6291.0.55.003: Customised Report. Age profile of workers in this job compared to the all jobs average.
Age BracketInsurance Investigators, Loss Adjusters and Risk SurveyorsAll Jobs AverageAll Jobs Average
15-190.0-5.45.4
20-245.4-9.99.9
25-3421.9-23.423.4
35-4429.1-21.721.7
45-5430.5-21.121.1
55-592.4-8.78.7
60-646.7-5.95.9
65 and Over4.0-3.83.8

Gender

Male Share

Female Share

Gender (% share)

Source: Based on ABS Labour Force Survey, annual average 2016, Cat. No. 6291.0.55.003: Customised Report. Male and female share of employment in this job compared to the all jobs average.
CategoryInsurance Investigators, Loss Adjusters and Risk SurveyorsCategoryAll Jobs Average
Males61.7Males53.6
Females38.3Females46.4

Education Level

Top Education Levels

Highest Level of Education (% share)

No data is available for the selected graph for this Occupation.

A Certificate III including at least 2 years of on-the-job training, or a Certificate IV, or at least 3 years of relevant experience is required to work in this job. Even with a qualification, sometimes additional experience or on-the-job training is needed. Registration or licensing may be required.

If you are interested in this style of work, there are a wide range of training options available that could lead to this or a similar job.
The pathway that is right for you will depend on your skills and interests.

It is a good idea to speak to industry bodies, employers, and workers to learn more about the skills and qualifications you will need.

Employers look for Insurance Investigators, Loss Adjusters and Risk Surveyors who have good attention to detail, strong people skills and a good work ethic.

Knowledge

The topics, subjects, or knowledge areas workers rate as most important are shown below.

  1. English Language

    87% Important

    English language including the meaning and spelling of words, rules of composition, and grammar.

  2. Customer and Personal Service

    85% Important

    Customer and personal services. This includes understanding customer needs, providing good quality service, and measuring customer satisfaction.

  3. Clerical

    66% Important

    Word processing, managing files and records, stenography and transcription, designing forms, and other office work.

  4. Law and Government

    61% Important

    How our laws and courts work. Government rules and regulations, and the political system.

  5. Mathematics

    60% Important

    Arithmetic, algebra, geometry, calculus, or statistics.

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Learn about the daily activities, and physical and social demands faced by workers. Explore the values and work styles that workers rate as most important.

Activities

The work activities workers rate as most important are shown below.

  1. Identifying Objects, Actions, and Events

    93% Important

    Comparing objects, actions, or events, looking for differences between them or changes over time.

  2. Interacting With Computers

    91% Important

    Using computers and computer systems (including hardware and software) to program, write software, set up functions, enter data, or process information.

  3. Getting Information

    90% Important

    Looking for, getting and understanding different kinds of information.

  4. Documenting/Recording Information

    90% Important

    Entering, transcribing, recording, storing, or maintaining information in written or electronic/magnetic form.

  5. Processing Information

    84% Important

    Compiling, coding, categorizing, calculating, tabulating, auditing, or checking information or data.

Occupational Information Network Claims Examiners, Property and Casualty Insurance Opens in a new window
O*NET is a trademark of the U.S. Department of Labor, Employment and Training Administration. The information on this site is derived from the US Department of Labor O*NET Database Version 21.2

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