Home-based desktop claims assessor

Insurers and adjusting firms that outsource part of their claims workload.

A set fee per file or an hourly rate. Volumes depend on the contracts you win and on how busy insurers are.

• Reading and interpreting policy wording
• Careful, consistent report writing
• Phone and video communication
• Organised file management

• Insurers expect strong privacy and data security, so check your obligations under the Privacy Act
• Professional indemnity insurance, which is usually expected by clients
• Claims handling is a regulated financial service area, so check with ASIC whether you need any licence or authorisation
• Check whether your council requires approval for a home-based business
• Work can depend on a small number of clients, so it can stop suddenly if a contract ends

Estimated startup costs are typically around $1,000 to $4,000, depending on your computer, software, secure storage and insurance. The work is home-based, so you avoid renting premises, though check whether your council requires approval.

Check your privacy and data security obligations under the Privacy Act, and whether you need any licence or authorisation from ASIC, as claims handling is a regulated financial service area. Also check professional indemnity insurance and council approval.

Estimated monthly revenue is typically around $2,000 to $8,000, depending on how many claims you take on. Work can depend on a small number of clients, so it can stop suddenly if a contract ends.