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Independent claim adjusters investigate, appraise and settle insurance claims. They work as independent contractors and assess damages or injuries that have occurred to properties and people in property and liability claims. Independent claim adjusters determine what is covered through an individual's or company's insurance, investigate liability if damage or injury to another person or property has occurred and establish a settlement amount for the insured.

General Liability Insurance for Claim Adjusters – The chances of an on-site injury occurring to a third party is rare, but operations liability lawsuits may crop up due to inappropriate behaviors of claim adjusters at sites of loss and/or at clients’ workplaces.

Professional Liability (Errors and Omissions) Insurance for Claim Adjusters – Since claim adjusters analyze a large amount of information about insurance claims, there is a chance that errors can be made. Serious mistakes involving loss valuation could potentially result in significant liability potential for claims adjusters.

Workers’ Compensation Insurance for Claim Adjusters – There may be a high risk of injury to claim adjusters if they visit hazardous loss sites regularly. For example, injuries may occur to real estate claim adjusters due to protruding nails, broken boards, unstable flooring, etc. Claim adjusters are especially at risk if the use of protective gear is not enforced.

Business Auto Insurance for Claim Adjusters – Claim adjusters may travel to loss sites, which will require the use of owned, non-owned and hired automobiles. Therefore, the risk of automobile accidents occurring exists. If employees drive their own vehicles for business purposes, their Personal Auto policy should include Auto Liability coverage with combined single limits of no less than $300,000.

Property Insurance for Claim Adjusters – Fires can occur in claim adjusters’ officers, especially if smoking is allowed. Valuable items that have the potential to be lost or damaged include documents, computers and specialty equipment. It is critical that off premises copies should be maintained for all customer files and other important documents. The best way to do this is through electronic imaging.

Crime Insurance for Claim Adjusters – The crime risks at claim adjusters’ offices are primarily due to employees stealing from their employers. Claim adjusters also have the potential to steal from their clients. Prospective employees should be pre-screened with detailed applications, criminal background checks and reference checks.