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Insurance Jobs for Claims Adjusters, Examiners and Investigators

Updated on March 27, 2018
Patty Inglish, MS profile image

Ms. Inglish is successful at employment & training, with regional records of tens of thousands placed and retained in gainful employment.

Many jobs are available related to accidents.
Many jobs are available related to accidents. | Source

Not All Insurance Jobs Require a College Degree

The US Department of Labor and the Bureau of Labor Statistics state in their job descriptions of American occupations that the job titles of Claims Adjuster, Claims Examiner, and Claims Investigator at the entry level of employment require only a high school diploma.

In the real world, employers prefer job candidates for the above positions to possess bachelor’s degree or some insurance-related work experience or vocational training (Reference: Retrieved May 26, 2014).

Unfortunately, some business and employment writers leave out the second part, the part about employers preferring a four-year degree.

Examining the employment vacancy postings in these job titles today in the United States, I find that many of the positions require a college degree and an analysis is provided below. Companies that do hire people with high school diplomas and offer on-the-job training (OJT) are listed for quick reference.

The largest number of total job listings in these job titles that do not require a college degree fall under Claims Investigators.

Traffic claims can be complex and include property and bodily damages.
Traffic claims can be complex and include property and bodily damages. | Source

Claims Adjusters

Duties and Tasks

In short, an adjuster in the insurance business adjusts the settlement for each claim he handles. He or she looks at the range of payments that can be made and decides what amount is appropriate for each case. In the instance of a car accident, for example, a newer car will likely qualify for a higher payment for a dented bumper than a car that is 10 years old.

Similar actions apply to other forms of property and bodily damage coverage, including homeowners and renters insurance, fire and flood insurance, business insurance, various liability coverage, health and major medical, and life insurance, as well as specialized policies.

The work can be quite interesting and is often attacked to on-the-job training or OJT. A college degree of two to four years will likely increase one's wages, but is often nt required to start n this occupation.

Wages and Openings

  • According to, average salary for the positions is over $52,000 annually, plus benefits.
  • Number of Jobs Posted consistently from March 2017 - March 2018: 4,500
  • Number Not Requiring a Degree: about 15% or more of jobs

Top Companies Offering Training, No Degree Required

  • Access Insurance
  • Crawford & Company
  • Farmers Insurance Group
  • Fred Loya Insurance
  • Progressive Insurance
  • New York Life
  • USAA
  • Veracity Research in Dallas Texas

Claims Examiners

Duties and Tasks

Examiners look at claims in some of the same ways as does an adjuster, but may have additional responsibilities. In fact, the examiner looks at paid claims to determine of over payment or underpayment may have been made. These professionals also look for fraudulent claims. This professional may decide to refer a case to a an investigator.

Wages and Openings

  • According to, average salary for the positions is over $49,900 annually, plus benefits.
  • Number of jobs consistently advertised March 2017 - March 2018: 1,600
  • Number Not Requiring a Degree: about 2.0% of jobs

Companies Offering On-the Job Training Without a Degree

  • Crawford & Company
  • Hartford Financial Services Group
  • ICS/Merrill
  • Kelly Services
  • Mary Kraft Staffing and HR Solutions4
  • Sedgwick Claims Management Services
  • TriStar Insurance Group
  • Ukpeagvik Inupiat - Alaska based company

Top Companies Requiring a Degree

An interesting comparison is with the companies that require college degrees, some of them being 2-year degrees, arranged by number of jobs offered, largest to smallest:

  1. Liberty Mutual
  2. Department of Veterans Affairs
  3. Jobplex
  4. McGladrey
  5. Baker Tilly
  6. Travelers
  7. Crawford & Company
  8. Esurance
  9. Hartford Financial Services

Some more advanced positions within the title Claims Examiner with greater responsibilities require Masters Degrees.

Some insurance claims just do not make sense. A large number of Claims Investigators are needed currently in the United States related to personal, commercial, and government agency claims.
Some insurance claims just do not make sense. A large number of Claims Investigators are needed currently in the United States related to personal, commercial, and government agency claims. | Source

Claims Investigators

TDuties and Tasks

Investigators in insurance particularly look at possibly fraudulent claims and claims that are large and complex, because insurance companies can loos a lot of money in such claims. This person may work with legal entities and auditors as well, but must always keep accurate and detailed records. Technical knowledge is required and this professional may supervise a team of technicians in the insurance field.

Wages and Openings

  • According to the Bureau of Labor Statistics and, Average Salary is $48,900 plus benefits
  • Number of Jobs Posted March 2017 - March 2018: 1,400 to 1,600
  • Number Not Requiring a Degree: 2.0% of jobs

Top Companies Offering On-the Job Training Without a Degree

  1. The CSI Companies: Temporary to permanent placement agency
  2. Hartford Financial Services Group
  3. ICS/Merrill
  4. Kelly Services
  5. Mary Kraft Staffing and HR Solutions
  6. MGM Resorts International
  7. Northern Tool (warranty claims on products)
  8. Progressive Insurance
  9. Sedgwick Claims Management Services
  10. USAA
  11. Veracity Research: Partners with several other companies, like Progressive Insurance

Companies That Require a Degree or Certification

  1. Hartford Financial Services Group
  2. Liberty Mutual
  3. Esurance
  4. Farmers Insurance Group
  5. Travelers Insurance
  6. PMA Companies
  7. US Department of Veterans Affairs
  8. Western Construction Group
  9. QBE North America

We see more government and commercial lines work under investigation jobs as compared with adjusting and examining jobs.

Click thumbnail to view full-size
Not all claims involves automobiles!
Not all claims involves automobiles!
Not all claims involves automobiles! | Source


Of the three job categories examined above, the first title, Claims Adjuster, seems to pay the highest average annual salary of the three, while offering the largest number of openings for workers not possessing a college degree.

Best Bets for Claims Adjuster Jobs

Dallas, Texas:
Dallas, TX, USA

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Atlanta, Georgia:
Atlanta, GA, USA

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Phoenix, Arizona:
Phoenix, AZ, USA

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New York City (Manhattan):
New York, NY, USA

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Tampa, Florida:
Tampa, FL, USA

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Related Job Titles and Requirements

  • Anti-Corruption Jobs

    After a high peak in January 2011 and a decline in 2012, Anti-Corruption jobs are increasing is advertisements in the Financial, Healthcare, Aerospace, and Government/Defense Industries.

  • Insurance Investigations, Too! - Careers in Criminology

    If you watch CSI and CSI-Miama on television, you are watching criminology at work. Criminology is an important science in the field of sociology that can help prevent future crimes and help prisons to become rehabilitative.

© 2014 Patty Inglish MS


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