Latest release
Unit Group

5315 Insurance Investigators, Loss Adjusters and Risk Surveyors

OSCA - Occupation Standard Classification for Australia
Reference period
2024, Version 1.0

5315 Insurance Investigators, Loss Adjusters and Risk Surveyors

Conduct investigations into insurance claims, assess damage and loss to insured property and businesses, estimate insurance costs, and inspect insured items and properties to evaluate conditions affecting underwriting standards.

OSCA skill level

The occupations in this unit group have a skill level corresponding to the qualifications and experience below.

  • Skill Level 2: AQF Associate Degree, Advanced Diploma, Diploma, or at least three years of relevant experience
  • Skill Level 3: AQF Certificate III including at least two years of on-the-job training, AQF Certificate IV, or at least three years of relevant experience
Occupation

531531 Insurance Investigator

Conducts investigations into insurance claims to ensure their validity.

Registration or licensing is required.

Skill level: 3

Main tasks

  • Examines scenes of incidents resulting in insurance claims to determine causes and effects
  • Conducts interviews to assess the validity of claims and identify the parties responsible for accidents, damage and loss, and prepares statements and reports
  • Inspects damaged buildings, equipment and motor vehicles
  • Interprets policy coverage and determines if coverage applies to claims submitted
  • Analyses data and information to identify patterns of fraudulent activity
  • Collaborates with law enforcement agencies and other professionals to gather information and evidence
  • Conducts surveillance and gathers evidence to support investigations
Occupation

531532 Insurance Loss Adjuster

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.

Alternative titles

  • Insurance Assessor
  • Insurance Loss Assessor

Skill level: 3

Main tasks

  • Examines scenes of accidents resulting in insurance claims to determine the extent of loss and damage
  • Interviews witnesses and claimants to obtain details required to assess the validity of claims and identify the parties responsible for accidents, damage and loss, and prepares statements and reports
  • Estimates business losses resulting from fire, theft and other business disruptions
  • Estimates the cost of repairs or replacement of damaged property
  • Reports the extent of damage and estimated costs to the insurance company
  • Provides advice on how to minimise the cost of claims
Occupation

531533 Insurance Risk Surveyor

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

Skill level: 2

Main tasks

  • Inspects property, buildings and operations of commercial and industrial establishments to assess physical conditions and work practices
  • Evaluates the adequacy of security, fire and related systems
  • Prepares reports and recommends actions to reduce risks
  • Compiles data that influences the determination of premium rates