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 invite you to grow your career with us, experience our caring culture, and enjoy work-life balance. Here, there’s no limit to what you can achieve.
Commercial Desktop Investigator
Job Location: United KingdomJob Type: PermanentRemuneration: Competitive salary taking into account skills, experience and qualifications
Step into a vital role at Sedgwick as a Commercial Desktop Investigator, delivering tailored fraud prevention across diverse commercial claims.
Sedgwick is 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.
This is perfect for an experienced investigator who is commercially aware, detail-focused and confident working autonomously on complex insurance claims.
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:
Remuneration & more
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
Health & support
Private healthcare plan (including pre-existing conditions)
Life assurance
Employee assistance programme for employee wellbeing
Wellbeing and digital GP apps
Group Income Protection
Other benefits
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
This isn't just a position, it's a pivotal role in shaping our industry
At Sedgwick, not only will you be working behind the scenes for some of the UK's most trusted insurance brands helping to resolve millions of claims every year, you'll also be an architect of tomorrow's insurance landscape with Sedgwick University. Our proprietary offering is the most comprehensive training and development program in the industry with more than 15,000 courses on demand, training specific to roles, and opportunities to continue your formal education – all available to you starting from your very first day.
You'll join a community passionate about making a difference, where every role contributes to a larger mission; protecting people and businesses. This isn't just a job; it's an opportunity to shape the future of insurance.
Next steps for you:
Think we'd be a great match? Apply now – we want to hear from you.
As part of our commitment to you, we are proud to have a zero tolerance policy towards discrimination of any kind regardless of age, disability, gender identity, marital/ family status, race, religion, sex or sexual orientation.
After the closing date we will review all applications and may select some applicants for an interview (which may be virtual, or in-person).
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