Claims Specialist, Accident

The Opportunity

Are you looking for a caring, collaborative, values-driven workplace with inspiring teammates and leaders? Do you have the ambition and desire to be the best and thrive at the most impactful global insurance provider in the world? Look no further than Zurich Canada.

If you have experience handling Accident Benefit, Automobile Bodily Injury or Property Damage claims, and are looking for a new challenge, we would love to hear from you.

Zurich Canada is currently looking for a Claims Specialist in our Toronto office or Waterloo office. Reporting to the Senior Claims Manager, you will handle Accident Benefits claims for commercial and personal lines insureds of low to moderate exposure and complexity within specific limits of authority. You will follow established protocols to ensure that claims are handled in the most efficient, effective way while delivering a customer‑centric claims service.

The job’s core deliverables rely on delivering service to external clients and customers. The role involves building relationships, promoting Zurich, and focusing on excellent customer service with proactive communication to keep customers informed at all stages of the claim.

This is a unique opportunity to build your knowledge and experience for the future in a supportive environment where your voice matters. This posting is for an existing vacancy.

Zurich Canada uses artificial intelligence–enabled tools to support certain aspects of the recruitment process, including the initial review and screening of applications. Artificial intelligence is not the sole basis for candidate shortlisting or selection. All hiring decisions are reviewed and made by qualified hiring professionals.

Zurich follows a hybrid work model requiring three days per week of in‑person presence, which may include time in the office or market-facing engagements.

The position is currently based in Waterloo, with plans to relocate to our new Kitchener office when it opens in early 2027.

• Handle Accident Benefits claims in good faith and in accordance with legislative requirements and best practices.
• Serve as the primary contact for injured claimants by delivering professional, empathetic guidance through the end‑to‑end Accident Benefits process, ensuring regulatory compliance, and proactively collaborating with medical partners to optimize client recovery outcomes.
• Handle Accident Benefits claims up to the non‑catastrophic limits.
• Handle minor to moderate loss transfer claims.
• Determine priority for commercial and personal lines accident benefit claims.
• Document claim files by accurately capturing and updating claims data/information in compliance with best practices for single and multi‑party personal or commercial line claims of minor to moderate exposure and complexity, including LAT disputes.
• Exercise judgment to determine liability by gathering and analyzing relevant facts, applying applicable law and establishing basic principles of negligence.
• Perform policy verification and coverage determination by analyzing applicable coverage and determining whether the loss falls within accident benefits coverage.
• Develop case strategies and evaluations to ensure timely resolution of claims, escalating issues as appropriate.
• Establish timely reserves and perform ongoing reviews throughout the claims cycle within authority limits by estimating and validating the value of claims.
• Assess damages by calculating applicable damages or range of damages allowed by law.
• Negotiate settlements by establishing appropriate negotiation strategies and utilizing available tools and resources within authority limits.
• Maintain quality standards by following best practices.

Required:

• Bachelors…