Commercial Desktop Investigator

By joining Sedgwick, you'll be part of something truly meaningful. It's what our 33,000 colleagues do every day for people around the world who are facing the unexpected.

We're seeking an experienced Commercial Desktop Investigator with a strong background in commercial insurance claims to join its Commercial Investigations team. Working within complex claim scenarios, you will deliver structured, proportionate desktop investigations into suspected fraud, ensuring outcomes are clear, defensible and aligned with fair customer treatment.

In this role, you will adopt a tailored investigative approach, reflecting claim type, exposure and policy position rather than applying generic methods. Managing your own caseload, you will assess claims across property damage, theft, fire, liability and business interruption, interpreting coverage, indemnity and financial risk with confidence.

Through planned enquiries, you will conduct structured telephone and video interviews with policyholders, directors and third parties, while gathering and analysing documentary, financial and digital evidence. You will liaise effectively with insurers, brokers, contractors and external agencies where required, ensuring accurate and timely information flow.

Your findings will be presented through concise, evidence-led reports with clear recommendations to support insurer decision-making. You will also prepare outcome correspondence and negotiate claim settlements, challenging exaggerated or dishonest claims using sound judgement.

Throughout, you will maintain compliance with FCA principles, GDPR and internal governance standards, consistently meeting service level expectations.

The skills you will have when you apply:

• Advanced Commercial Claims and Fraud Expertise – Extensive experience across commercial claims handling, investigations, and fraud matters, including property and business interruption within indemnity frameworks.
• Policy and Regulatory Interpretation – Advanced understanding of policy wordings, insurer expectations, claim lifecycles, and the legislative and regulatory landscape governing commercial claims.
• Financial Analysis and Loss Validation – Proficient in assessing financial exposure, analysing turnover and trading data, and constructing defensible loss calculations.
• Fraud Identification and Intelligence Use – Strong capability in recognising commercial fraud indicators and utilising data and intelligence sources to detect inconsistencies and risk.
• Stakeholder Engagement and Interviewing – Credible communicator with well-developed interviewing skills, able to challenge appropriately and manage commercial stakeholders effectively.
• Reporting, Organisation and Analytical Rigor – Highly organised with the ability to manage complex caseloads, producing precise, audit-ready reports with clear, logical and evidence-based reasoning.

What we’ll give you for this role:

• Competitive salary taking into account skills, experience and qualifications
• A Self Invested Personal Pension Scheme (SIPP)
• Holiday allowance of 25 days plus bank holidays
• Flexible working from our office or your home
• Private healthcare plan (including pre-existing conditions)
• Life assurance
• Employee assistance programme for employee wellbeing
• Wellbeing and digital GP apps
• Group Income Protection
• Voluntary flexible benefits – green car scheme, health assessment, travel insurance, dental cover, cycle to work scheme, season ticket loan
• Discounts on various products and services