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 InvestigatorJob Location: United KingdomJob Type: PermanentRemuneration: Competitive salary taking into account skills, experience and qualificationsStep 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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Skills Required
- Extensive experience in commercial claims handling, investigations, and fraud matters
- Experience with commercial property and business interruption claims within indemnity frameworks
- Advanced understanding of policy wordings, insurer expectations, and commercial claim lifecycles
- Knowledge of the legislative and regulatory landscape governing commercial claims
- Proficiency assessing financial exposure, analyzing turnover and trading data, and constructing loss calculations
- Ability to identify commercial fraud indicators and use data and intelligence sources
- Well-developed interviewing and stakeholder-management skills
- Strong organization, analytical rigor, and ability to produce precise audit-ready reports
Sedgwick Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about Sedgwick and has not been reviewed or approved by Sedgwick.
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Leave & Time Off Breadth — Generous paid time off and paid holidays are emphasized, with PTO accruals increasing with tenure. Paid parental leave and caregiver support further expand time-off coverage.
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Healthcare Strength — Medical, dental and vision coverage is complemented by telemedicine and a personal health concierge. Wellbeing supports such as diabetes and weight-management programs, fertility services, and robust mental-health access (coaching, therapy, psychiatry) broaden care.
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Parental & Family Support — Paid parental leave and caregiver support are offered alongside family-forming resources. Fertility services and adoption assistance reinforce family-oriented benefits.
Sedgwick Insights
What We Do
From our modest beginnings as a regional claims administrator, Sedgwick has grown into a leading global provider of technology-enabled risk, benefits and integrated business solutions with 31,000+ colleagues, located across 80 countries. Through innovative product development, organic business development and strategic acquisitions, Sedgwick’s offerings continue to evolve beyond claims processing to meet the current and future needs of our clients. Our approach to delivering quality service in areas such as workers’ compensation, liability, property, disability and absence management goes far beyond just managing claims—we aim to simplify the process and reduce complexity, making it easy and effective for everyone involve.
Why Work With Us
We stay tuned into what our colleagues want and need and deliver a world-class colleague experience that demonstrates how much we value their unique contributions to our business. You’ll see and feel what it’s like to work for a company that’s committed to doing the right thing – for those we serve, for our planet and for each other.
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