An insurance technician assists insurance brokers by reviewing applications, processing statements, and handling customer queries. Their duties vary depending on the industry segment and client type they work with. They are responsible for gathering information for insurance claims and notifying clients of policy changes and renewals. Strong communication and organizational skills are required.
An insurance technician provides administrative assistance to an insurance broker. Some of the daily tasks performed in this position may include reviewing new client applications, gathering additional client information as needed, and processing and underwriting existing client statements. An insurance technician must also maintain correspondence with customers, respond to customer questions and concerns, and keep customer files up to date as needed.
The details of an insurance technician job description can vary based on the precise segment of industry in which a person works. For example, the day-to-day duties of a marine insurance technician who deals with issues related to policies on marine vessels, seaports, and other types of marine policies are likely to differ greatly from someone who works as an insurance technician for a school district, who may have who process Worker’s Compensation claims, manage retiree accounts and maintain accurate billing reports to be presented to district personnel. Regardless of the type of insurance handled, however, a technician’s support role is crucial to the daily flow of operations within a specific company or insurance department.
Once an insurance claim is properly filed, an insurance technician is also responsible for gathering important information to help decide whether or not the claim will be paid. This includes an official accident report, photographs of the damaged vehicle or property, as well as relevant repair receipts. A technician must ensure that claims are covered by the issued policy and that payments are made in a timely manner for covered items.
Just as an insurance technician has a role in working with new applicants, he must also remain in contact with clients to notify them of policy changes and renewals. It is also a technician’s job to handle customer queries and complaints. These duties are largely performed over the phone, fax, email, and mail, so a technician must have strong organization, customer service, and written and verbal skills.
An insurance technician works directly with clients, but types of clients can vary. Some may work with individual clients, while others may work with corporate clients or government agencies. A technician is also tasked with knowing the latest laws that affect the industry they work in, as well as ensuring that clients are aware of and understand any legal changes that may affect a policy.
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