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Insurance Glossary

Independent Adjuster

Claims

Definition

A claims adjuster who works as an independent contractor for multiple insurance companies rather than being employed by one specific insurer. Independent adjusters are often used during catastrophic events when claim volume exceeds staff capacity.

Definición en Español

ES

Ajustador Independiente

Un ajustador de reclamos que trabaja como contratista independiente para múltiples compañías de seguros en lugar de ser empleado de un asegurador específico. Los ajustadores independientes se utilizan a menudo durante eventos catastróficos cuando el volumen de reclamos excede la capacidad del personal.

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Related Terms

Adjuster
A person who investigates claims and recommends settlement options based on estimates of damage and insurance policies held.
Staff Adjuster
A claims adjuster who is a salaried employee of a specific insurance company, handling claims exclusively for that insurer. Staff adjusters typically have ongoing training and deep knowledge of their company's policies and procedures.
Claim
A formal request by a policyholder to an insurance company for coverage or compensation for a covered loss or policy event.
Arbitration
An alternative to going to court where a neutral third-party is used to settle a dispute between an insurer and a policyholder, typically regarding claim settlements or coverage interpretations.
Claimant
The person or business that makes a claim to the insured person or their insurance company, seeking compensation for damages or losses.
Subrogation
The legal right of an insurance company to pursue a third party that caused an insurance loss to the insured, allowing the insurer to recover the amount of the claim paid to the insured. This right is transferred from the insured to the insurer upon payment of the claim.
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