Insurance Investigators, Loss Adjusters and Risk Surveyors
Insurance Investigators, Loss Adjusters and Risk Surveyors conduct investigations into insurance claims to ensure their validity, inspect and assess the damage and loss to insured properties and businesses, estimate insurance costs, and inspect insured properties to evaluate conditions affecting underwriting standards.
examining scenes of incidents resulting in insurance claims to determine causes and effects
interviewing witnesses and claimants to obtain details required to assess the validity of claims and identify the parties responsible for accidents, damage and loss, and preparing statements and reports
inspecting damaged buildings, equipment and motor vehicles and estimating the cost of repairs
estimating business losses resulting from fire, theft and other business disruptions
reporting the extent of damage and estimated costs to the insurer
inspecting property, buildings and operations of commercial and industrial establishments to assess physical conditions and work practices
evaluating the adequacy of security, fire and related systems
preparing reports and recommending action to reduce risks
compiling data which influence the determination of premium rates
Vocational Education and Training (VET)
Informal or on-the-job
The NSC produces employment projections to show where likely future job opportunities may be. The latest data are for the five years from November 2021 to November 2026. Over this period, the number of workers:
- is expected to grow strongly
- is likely to reach 4,400 by 2026.
Source: National Skills Commission Employment Projections to 2026.
Notes: The number employed includes people who work in this occupation as their main job. People who work in more than one job are counted against the occupation they work the most hours in.
Employment projections figures are rounded to the nearest 100. Calculations based on these rounded figures may result in differences to the numbers that are displayed on this page. Employment projections data (including occupations) can be downloaded from the Employment Projections page.
Number of Workers
Source: ABS Labour Force Survey, ABS seasonally adjusted data to November 2021 and National Skills Commission Employment Projections to 2026.
Earnings and hours
Around 87% of people employed as Insurance Investigators, Loss Adjusters and Risk Surveyors work full-time hours, in all their jobs combined. This is 21 percentage points above the all jobs average (66%).
Full-time workers work an average of 43 hours per week in their main job. This is similar to the all jobs average (44 hours per week).
More than a third of workers regularly work overtime or extra hours (either paid or unpaid).
Median full-time earnings are $1,864 per week, this is much higher than the all jobs median ($1,593):
- 3 in 4 workers earn more than $1,633
- 1 in 4 earn more than $2,130
Median hourly earnings are $49, this is more than the all jobs median ($41 per hour).
Sources: Full-time share and full-time hours: ABS, 2016 Census, customised report. Compared to the all jobs average. Overtime hours: ABS, Characteristics of Employment, 2021. Full-time median earnings and median hourly earnings: ABS, Survey of Employee Earnings and Hours, May 2021. Compared to all jobs median.
Weekly Earnings (Before Tax)
|Earnings||Insurance Investigators, Loss Adjusters and Risk Surveyors||All Jobs Average|
Source: Based on ABS Survey of Employee Earnings and Hours, May 2021, Customised Report. Median weekly total cash earnings for full-time non-managerial employees paid at the adult rate. Earnings are before tax and include amounts salary sacrificed. Earnings can vary greatly depending on the skills and experience of the worker and the demands of the role. These figures should be used as a guide only, not to determine a wage rate.
Most Insurance Investigators, Loss Adjusters and Risk Surveyors work in the Financial and insurance services industry. They are also employed in industries like:
Source: ABS Labour Force Survey, annual average 2021.
Employment across Australia
Employment by State and Territory (% Share)
|State||Insurance Investigators, Loss Adjusters and Risk Surveyors||All Jobs Average|
Around 74% of Insurance Investigators, Loss Adjusters and Risk Surveyors live in capital cities, compared with the all jobs average of 62%.
New South Wales has a large share of employment relative to its population size.
Source: Based on ABS Census 2016, Customised Report. Share of workers across Australian states, territories and regions, in this job compared to the all jobs average.
Age and gender
The median age of Insurance Investigators, Loss Adjusters and Risk Surveyors is 44 years. This is higher than the all jobs average of 40 years.
A large share of workers are aged 35 to 44 years.
Females make up 31% of the workforce. This is 17 percentage points below the all jobs average of 48%.
Source: Based on ABS Census 2016, Customised Report. Age profile and gender share compared to the all jobs average.
Age Profile (% Share)
|Age Bracket||Insurance Investigators, Loss Adjusters and Risk Surveyors||All Jobs Average|
|65 and Over||4.9||4.2|
Source: Based on ABS Census 2016, Customised Report. Age profile of workers in this job compared to the all jobs average.
Education, training and experience
A Vocational Education and Training (VET) or university qualification in insurance, investigative services, financial services, loss adjusting, or another related field is usually needed to work as an Insurance Investigator, Loss Adjuster or Risk Surveyor.
- Course Seeker to search and compare higher education courses.
- ComparED to compare undergraduate and postgraduate student experiences and outcomes.
- My Skills to compare Vocational Education and Training (VET) courses, providers and student outcomes.
- AAPathways website to explore Financial Services VET training pathways.
Highest Level of Education (% Share)
|Type of Qualification||Insurance Investigators, Loss Adjusters and Risk Surveyors||All Jobs Average|
|Post Graduate/Graduate Diploma or Graduate Certificate||8.3||10.1|
|Year 10 and below||4.4||12.5|
Source: ABS Census 2016, Customised Report. Highest qualification completed by workers in this job (in any field of study). Qualifications needed by new workers might be different from the qualifications of workers already in the job.
Skills and Knowledge
Employers look for Insurance Investigators, Loss Adjusters and Risk Surveyors who have good attention to detail, strong people skills and a good work ethic.
Skills can be improved through training or experience.
Thinking about the pros and cons of different ways to solve a problem.
Listening to others, not interrupting, and asking good questions.
Reading work related information.
Talking to others.
Bringing people together and trying to sort out their differences.
Writing things for co-workers or customers.
52%Judgment and decision making
Figuring out the pros and cons of different options and choosing the best one.
Being able to use what you have learnt to solve problems now and again in the future.
Using maths to solve problems.
Understanding why people react the way they do.
45%Coordination with others
Being adaptable and coordinating work with other people.
43%Complex problem solving
Noticing a problem and figuring out the best way to solve it.
Managing your own and other peoples' time to get work done.
Talking people into changing their minds or their behaviour.
Looking for ways to help people.
41%Management of financial resources
Figuring out how money is needed to do something, and keeping track of the money that's being spent.
Keeping track of how well work is progressing so you can make changes or improvements.
Measuring how well a system is working and how to improve it.
Figuring out the best way to teach or learn something new.
29%Management of personnel resources
Motivating, developing, and directing people as they work, and choosing the best people for the job.
These are important topics, subjects or knowledge areas.
78%Customer and personal service
Understanding customer needs, providing good quality service, and measuring customer satisfaction.
English language including the meaning and spelling of words, rules of composition, and grammar.
Word processing, managing files and records, stenography and transcription, designing forms, and other office work.
Arithmetic, algebra, geometry, calculus, or statistics.
44%Law and government
How our laws and courts work. Government rules and regulations, and the political system.
43%Education and training
Curriculum and training design, teaching and instruction for individuals and groups, and the measurement of training effects.
40%Computers and electronics
Circuit boards, processors, chips, electronic equipment, and computer hardware and software, including applications and programming.
38%Administration and management
Business principles involved in strategic planning, leadership, and coordinating people and resources.
36%Building and construction
Materials, and methods used to construct or repair houses, buildings, or other structures like highways and roads.
35%Communications and media
Media production, communication, and dissemination. Includes written, spoken, and visual media.
Human behaviour; differences in ability, personality, and interests; learning and motivation; research methods; assessing and treating disorders.
29%Personnel and human resources
Recruiting and training people, managing pay and other entitlements (like sick leave), and negotiating pay and conditions.
Machines and tools, including their designs, uses, repair, and maintenance.
23%Public safety and security
Use of equipment, rules and ideas to protect people, data, property, and institutions.
Design techniques, tools, and principles used to make detailed technical plans, blueprints, drawings, and models.
20%Medicine and dentistry
Diagnose and treat human injuries, diseases, and deformities, including preventive health-care measures.
The physical laws of matter, motion and energy, and how they interact through space and time.
Transmission, broadcasting, switching, control, and operation of telecommunications systems.
18%Economics and accounting
Economics and accounting, the financial markets, banking and checking and reporting of financial data.
15%Engineering and technology
Use engineering, science and technology to design and produce goods and services.
Workers use these physical and mental abilities..
See details that are up-close (within a few feet).
Listen to and understand what people say.
Read and understand written information.
Communicate by speaking.
Use lots of detailed information to come up with answers or make general rules.
Write in a way that people can understand.
Use general rules to find answers or solve problems logically.
Identify and understand the speech of another person.
52%Working with numbers
Add, subtract, multiply, or divide.
Choose the right maths method or formula to solve a problem.
Speak clearly so others can understand you.
Notice when something is wrong or is likely to go wrong, even if you can't solve the problem.
48%Sorting or ordering
Order or arrange things in a pattern or sequence (e.g., numbers, letters, words, pictures, mathematical operations).
See details that are far away.
48%Flexibility of closure
See a pattern (a figure, object, word, or sound) hidden in other distracting material.
Come up with different ways of grouping things.
Use your eyes to quickly compare groups of letters, numbers, pictures, or other things.
43%Speed of recognition
Quickly make sense of and organize things you can see like letters, numbers, pictures, or other things.
Pay attention to something without being distracted.
Come up with a number of ideas about a topic, even if the ideas aren't very good.
These are kinds of activities workers regularly do in this job.
70%Looking for changes over time
Comparing objects, actions, or events. Looking for differences between them or changes over time.
68%Planning and prioritising work
Deciding on goals and putting together a detailed plan to get the work done.
67%Researching and investigating
Looking for, getting and understanding different kinds of information.
66%Negotiating and resolving conflicts
Handling complaints and disagreements, and negotiating with people.
64%Building good relationships
Building good working relationships and keeping them over time.
64%Keeping your knowledge up-to-date
Keeping up-to-date with technology and new ideas.
61%Documenting or recording information
Entering, transcribing, recording, storing, or maintaining information in written or electronic/magnetic form.
61%Checking compliance with standards
Deciding whether events or processes comply with laws, regulations, or standards.
59%Assessing and evaluating things
Working out the value, importance, or quality of things, services or people.
58%Collecting and organising information
Compiling, coding, categorizing, calculating, tabulating, auditing, or checking information or data.
58%Making sense of information and ideas
Looking at, working with, and understanding data or information.
57%Making decisions and solving problems
Using information to work out the best solution and solve problems.
55%Communicating within a team
Giving information to co-workers by telephone, in writing, or in person.
53%Communicating with the public
Giving information to the public, business or government by telephone, in writing, or in person.
53%Monitoring people, processes and things
Checking objects, actions, or events, and keeping an eye out for problems.
47%Working with the public
Greeting or serving customers, clients or guests, and public speaking or performing.
47%Estimating amounts, costs and resources
Working out sizes, distances, amounts, time, costs, resources, or materials needed for a task.
45%Providing office support
Doing day-to-day office work such as filing and processing paperwork.
44%Explaining things to people
Helping people to understand and use information.
43%Working with computers
Using computers to program, write software, set up functions, enter data, or process information.
Interests and demands
Learn about the daily activities, and physical and social demands faced by workers. Explore the values and work styles that workers rate as most important.
Interests are the style or type of work we prefer to do. All interest areas are shown below.
Following set procedures and routines. Working with numbers and details more than with ideas, usually following rules.
Starting up and carrying out projects. Leading people and making many decisions. Sometimes require risk taking and often deal with business.
Ideas and thinking. Searching for facts and figuring out problems in your head.
Working with people. Helping or providing service to others.
Practical, hands-on work. Often with plants and animals, or materials like wood, tools, and machinery.
Working with forms, designs and patterns. Often need self-expression and can be done without following rules.
Supportive management that stands behind employees. Workers are treated fairly by their company, they are supported by management, and have supervisors who train them well.
Work alone and make decisions. Workers are able to try out their own ideas, make decisions on their own, and work with little or no supervision.
Serve and work with others. Workers usually get along well with each other, do things to help other people, and are rarely pressured to do things that go against their sense of right and wrong.
Job security and good working conditions. There is usually a steady flow of interesting work, and the pay and conditions are generally good.
Results oriented. Workers are able to use their strongest abilities, giving them a feeling of accomplishment.
Advancement and the potential to lead. Workers are recognised for the work that they do, they may give directions and instructions to others, and they are looked up to in their company and their community.
96%Frequent decision making
Frequently make decisions that impact other people.
Use electronic mail.
93%Letters and memos
Write letters and memos.
Talk with people face-to-face.
Talk on the telephone.
91%Being exact or accurate
Be very exact or highly accurate.
Work to strict deadlines.
90%Impact of decisions
Make decisions that have a large impact on other people.
89%Indoors, heat controlled
Work indoors with access to heating or cooling.
89%Spend time sitting
Spend time sitting at work.
86%Contact with people
Have contact with people by telephone, face-to-face, or any other way.
81%Freedom to make decisions
Have freedom to make decision on your own.
Deal with conflict or disagreements.
78%Angry or unpleasant people
Deal with unpleasant, angry, or rude people.
Have freedom to decide on tasks, priorities, and goals.
74%Contact with the public
Work with customers or the public.
Work with people in a group or team.
71%Repeating same tasks
Repeat the same tasks or activities (e.g., key entry) over and over, without stopping.
67%Making repetitive motions
Spend time making repetitive motions.
64%Automation of tasks
Do tasks that are mostly automated.
O*NET is a trademark of the U.S. Department of Labor, Employment and Training Administration.
The skills and importance ratings on this page are derived from the US Department of Labor O*NET Database Version 21.2, 13-1031.02 - Insurance Adjusters, Examiners, and Investigators.