About PropertyExpert:

PropertyExpert is a global technology and services company supporting the General Insurance and Real Estate markets. Our solutions focus on protecting property from damage and enabling fast, fair, and cost-effective claims management when damage occurs, blending proprietary technology with a combination of artificial and human intelligence.

With a growing presence in Australia and New Zealand, we are building a high-performing local team focused on improving transparency, consistency, and efficiency across the claims process.

About the Role:

We're looking for an experienced Commercial Loss Adjuster to join our Sydney team in a desktop role. You'll assess commercial property claims by interpreting policy wording, analysing claim circumstances and delivering coverage recommendations that are accurate, fair and defensible.

There are no site inspections and no time on the road. You bring the same technical judgement you use as a loss adjuster, supported by our AI platform and working alongside our senior technical team.

This role is built for a loss adjuster who has handled commercial property claims for a loss adjusting firm. It suits someone who wants to focus on the technical side of the work. If you've built your career adjusting commercial losses and want to use that expertise in an AI driven environment without the travel, this is the role for you.

What You’ll Be Doing:

- Assess commercial property claims across material damage, business interruption, ISR and contract works policies.
- Interpret policy wording, schedules, endorsements, conditions and exclusions to determine coverage.
- Analyse claim circumstances and facts to determine how policy provisions apply to the loss.
- Identify coverage issues, limitations,



underinsurance and potential exclusions that may affect the claim.
- Prepare coverage recommendations, Settlement recommendation Report, RFIs and Cash Settlement Fact Sheets, backed by policy language and claim facts.
- Engage with insurers, brokers and internal teams to discuss and explain coverage positions.
- Manage a steady flow of desktop assessments while maintaining quality and consistency.
- Work through complex or unusual coverage questions with our senior technical team.
- Support continuous improvement by flagging patterns and recurring coverage issues.

About You: You're a loss adjuster with a solid commercial property background gained at a loss adjusting firm. You're comfortable with complex commercial policy wording and you know how to back a coverage position with sound interpretation. You're analytical and detail oriented, and confident putting your view to insurers and brokers.

You’ll likely bring:

- 3+ years working as a loss adjuster with a loss adjusting firm, including commercial property claims.
- Proven experience interpreting commercial policy wording and making coverage recommendations.
- Strong understanding of ISR, material damage and business interruption covers, conditions and exclusions.
- Ability to analyse claim facts and connect them to policy provisions.
- Confidence engaging with insurers and brokers and explaining the basis for your recommendations.




- Solid report writing and clear decision making, both verbally and in writing.
- Strong organisational skills and ability to manage multiple assessments with tight timelines.

Nice to Have:

- ANZIIF Diploma of Loss Adjusting (completed or in progress) or an equivalent qualification.
- AICLA membership or working towards accreditation.
- Experience across other classes such as liability and contract works.
- Experience with claims management systems or workflow platforms.

This Role Is Not Suited For:

- Candidates whose background is mainly in insurer claims officer, claims consultant or customer service roles without loss adjusting experience.
- Candidates without commercial property claims experience.
- Those uncomfortable reading complex policy wording or interpreting terms and conditions.

Why Join PropertyExpert:

- All the adjusting, none of the driving. No site inspections, no car and no hours on the road between jobs. Just the technical work.
- Your claims expertise shapes the tech. You won’t just use AI tools, you’ll help train and refine them. Your knowledge of policy interpretation and coverage will directly influence how our AI-driven coverage analysis develops.
- Real responsibility. Your analysis and recommendations directly contribute to claim outcomes, with the prospect to take greater ownership as your experience develops.
- Ground-floor opportunity. Join a growing ANZ team early enough to genuinely shape systems, processes, and standards, with global operations backing you up.
- Hybrid that works. 3 days in our Sydney CBD office, 2 days from home.
- Competitive package. Competitive base salary plus performance bonus.
- Clear runway. Genuine career progression as the business scales across ANZ.

📌 Commercial Loss Adjuster (Desktop) (Sydney)
🏢 PropertyExpert
📍 Sydney