What is a claim professional who works full-time for an insurance company called?

A claim professional who works full-time for an insurance company is referred to as a Staff Claim Handler. This designation reflects their employment relationship with the insurance company, where they manage and process claims on behalf of the insurer. They are responsible for assessing claims, gathering information, negotiating settlements, and ensuring compliance with company policies and regulatory requirements.

In contrast, a Public Adjuster represents the policyholder and is typically hired by individuals to help them navigate the claims process. Independent Adjusters work on a contract basis for various insurance companies or third-party organizations, often stepping in to handle claims when there is a surge of claims or when a company needs additional resources. Freelance Claim Specialists operate similarly to independent adjusters, often providing specific expertise on a flexible basis but not being tied to a single insurance company in a full-time capacity.