Home-Based desk insurance adjuster

Insurers and adjusting firms that outsource claims handling, especially at busy times.

Per-file fees or an hourly or day rate on contract, depending on the firm. Volume depends on how many files you can handle well.

• Organised file handling
• Clear writing and phone manner
• Comfort with claims software
• Good judgement on coverage questions

• Provincial licensing rules, which differ, and Quebec has its own rules and French-language requirements
• Errors and omissions insurance, which some firms ask contractors to carry
• Privacy rules for handling claimants' personal information, so check what applies to you
• Work may be uneven and some firms prefer adjusters with prior experience
• Check whether your municipality requires a home-based business licence

Startup costs are typically estimated at around $1,000 to $4,000, depending on your home office set-up and insurance. Most files are handled remotely by phone, photos and documents, with no site visits for most claims.

Monthly revenue is typically estimated at around $1,500 to $6,000, depending on how many files you receive. Work may be uneven, and some firms prefer adjusters with prior experience. The estimate assumes at least about 15 hours a week.

Check provincial licensing rules, which differ; Quebec has its own rules and French-language requirements. Also check privacy rules for claimants' personal information, errors and omissions insurance, and whether your municipality requires a home-based business licence.