Motor Personal Injury Claims Negotiator - Pen Underwriting in Chelmsford

At Pen, we don’t just underwrite risk, we unlock possibility. We’re a dynamic underwriting and distribution business backed by the strength of Gallagher and powered by a belief that every challenge has a solution. With entrepreneurial energy, niche expertise, and a bold growth mindset, we’re transforming what it means to be an MGA in today’s insurance landscape. Whether you’re shaping new products, solving complex problems, or collaborating across teams, your ideas and initiative will help deliver smarter solutions for our clients—and move the industry forward. Here, agility meets stability. Creativity meets execution. And your career meets real opportunity. At Pen, we champion innovation, value accountability, and thrive on building something better together. If you’re looking to join a team that’s rewriting the future of underwriting, we’d love to hear from you.

As a Motor Personal Injury Claims Negotiator, you will be responsible for managing an allocated portfolio of Motor Injury claims (including injury, credit hire and damage components) coming out of our Hazardous Goods Vehicles binder. You will handle claims from first notification through to settlement, ensuring timely, fair, and cost‑effective resolution in line with regulatory and company standards whilst ensuring the delivery of service excellence.

How You Make An Impact

• Manage a caseload of Injury claims, typically up to £100,000 in value but with the potential for the value to exceed £100,000, from FNOL to final settlement up to the level authorised by the Claims Director in accordance with the processes and procedures contained within the “Claims Manual” document.
• Achieve the most economical settlement at the earliest practical time by proactively driving every claim in association with the diary system and in adherence with the Pen Telephone Ethos.
• Investigate, assess, and negotiate claims, ensuring accurate liability decisions and reserving strategies including reserving in accordance with the Company reserving policy of “Ultimate Claims Spend”.
• Manage Client and Broker relationships which are key to delivering against our niche offering.
• Ensure reserves are frequently reviewed and amended as necessary and that all processing and management information systems are kept up to date.
• Ensure that a customer centric approach is taken when handling claims.
• Prepare and maintain detailed file notes, referral documents, and case strategies for internal review and audit.
• Identify potential fraud indicators and elevate concerns appropriately.
• Contribute to team performance by meeting service level agreements (SLAs), including response times and telephony standards.
• Support continuous improvement by identifying operational inefficiencies and suggesting enhancements to claims processes.
• Identify and pursue all avenues of recovery.
• Ensure that appropriate information is provided to internal colleagues in accordance with documented procedures.
• Appoint panel service providers where necessary and contribute to the monitoring of their performance to ensure delivery of the highest possible standards.
• Keep senior staff informed on individual large losses and claims trends identified.

About You

• Motor Claims Injury experience.
• Requisite technical knowledge to enable effective handling of personal injury / credit hire / damage claims.
• CII/ACII (or progress towards) or other relevant qualification (law degree, CILEX or equivalent).
• Relevant law relating to Liability classes.
• Principles and practice of insurance.
• Negotiation and settlement skills verbal communication and telephone skills.
• Relationship building.
• Eligibility to work in the UK.

Compensation And Benefits

• Minimum of 25 days holiday, plus bank holidays, and the option to ‘buy’ extra days.
• Defined contribution pension scheme, which Gallagher will also contribute to.
• Life insurance, which will pay 4x your basic annual salary, which you can top‑up to 10x.
• Income protection, we’ll cover up to 50% of your annual income, with options to top up.
• Health cash plan or Private medical insurance.

Other benefits include:

• Three fully paid volunteering days per year.
• Employee Stock Purchase plan, offering company shares at a discount.
• Share incentive plan, HMRC approved, tax effective, stock purchase plan.
• Critical illness cover.
• Discounted gym membership, with over 3,000 gyms nationally.
• Season ticket loan.
• Access to a discounted voucher portal to save money on your weekly shop or next big purchase.
• Emergency back‑up family care.
• And many more…

We value inclusion and diversity. Inclusion and diversity (I&D) is a core part of our business, and it’s embedded into the fabric of our organisation. For more than 95 years, Gallagher has led with a commitment to sustainability and to support the communities where we live and work. Gallagher embraces our employees’ diverse identities, experiences and talents, allowing us to better serve our clients and communities. We see inclusion as a conscious commitment and diversity as a vital strength. By embracing diversity in all its forms, we live out The Gallagher Way to its fullest. Gallagher is Disability Confident Committed. We have pledged to make sure our recruitment process is inclusive and accessible, in addition to supporting our existing employees with any long‑term health conditions or disabilities. We understand that applicants may have disabilities; if you do, you may find some parts of the recruitment process more challenging than others. Don’t worry, we’re here to help, however, we can only do this if you let us know. Should you require reasonable adjustments to your application, please get in touch with TAGlobalSupport@ajg.com. If you’d prefer to speak on the phone, please request a call back, leaving details, so we get in touch.

Our employing entity, Arthur J. Gallagher Services (UK) Limited, is proud to be accredited as a Living Wage employer with the Living Wage Foundation. We are committed to diversity and opportunity for all and are opposed to any form of less favourable treatment on the grounds of gender or gender identity, marital status, civil partnership status, parental status, race, ethnicity, colour, nationality, disability, sexual orientation, religion/ belief, age and those with caring responsibilities. Gallagher believes that all persons are entitled to equal employment opportunity and prohibits any form of discrimination by its managers, employees, vendors or customers based on race, color, religion, creed, gender (including pregnancy status), sexual orientation, gender identity (which includes transgender and other gender non‑conforming individuals), gender expression, hair expression, marital status, parental status, age, national origin, ancestry, disability, medical condition, genetic information, veteran or military status, citizenship status, or any other characteristic protected by applicable federal, state, or local laws. Equal employment opportunity will be extended in all aspects of the employer-employee relationship, including, but not limited to, recruitment, hiring, training, promotion, transfer, demotion, compensation, benefits, layoff, and termination. In addition, Gallagher will make reasonable accommodations to known physical or mental limitations of an otherwise qualified person with a disability, unless the accommodation would impose an undue hardship on the operation of our business.