How to become an Insurance Loss Adjuster

Also called: Insurance Assessor, Insurance Loss Assessor

Inspects and assesses the damage and loss to insured property and business, estimates insurance costs, and acts to minimise the cost of claims to an insurance company.

Main tasks

• Examines scenes of accidents resulting in insurance claims to determine the extent of loss and damage
• Interviews witnesses and claimants to obtain details required to assess the validity of claims and identify the parties responsible for accidents, damage and loss, and prepares statements and reports
• Estimates business losses resulting from fire, theft and other business disruptions
• Estimates the cost of repairs or replacement of damaged property
• Reports the extent of damage and estimated costs to the insurance company
• Provides advice on how to minimise the cost of claims

Ways in

• TAFE and VET: Certificate IV in Vehicle Loss Assessing (AUR40520); Diploma of Loss Adjusting (FNS51420); Certificate IV in Insurance Broking (FNS41720); Advanced Diploma of Paraplanning (FNS60920)

Pay · Outlook · AI and this job

• Typical full-time pay: $103,740 a year
• About 7,900 people work in this job group now, and about 8,500 are projected by 2035. (+7.8%)
• AI is likely to change parts of this job. Jobs and Skills Australia rates its automation exposure as medium.

Related jobs

• Insurance Investigator
• Insurance Risk Surveyor
• Bank Officer
• Credit or Loans Officer
• Business Broker
• Commodities Trader

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Questions people ask

How do I become an Insurance Loss Adjuster?

Ways in include: Certificate IV in Vehicle Loss Assessing; Diploma of Loss Adjusting.

How much does an Insurance Loss Adjuster earn in Australia?

Median full-time pay is $103,740 a year (Jobs and Skills Australia).

Is an Insurance Loss Adjuster a growing career in Australia?

Yes. Employment is projected to grow 8% by 2035, from about 7,900 to about 8,500 people (Jobs and Skills Australia).

Do you need a degree to become an Insurance Loss Adjuster?

Usually not. Only 22% of people in this job hold a bachelor's degree or higher. Ways in include: Certificate IV in Vehicle Loss Assessing; Diploma of Loss Adjusting.

Will AI change the work of an Insurance Loss Adjuster?

AI is likely to change parts of this job. Jobs and Skills Australia rates its automation exposure as medium.

Sources

• Jobs and Skills Australia: Occupation data (ANZSCO), from ABS Labour Force and Census (February 2026), CC BY 4.0, retrieved 2026-10-04
• Jobs and Skills Australia: Generative AI Capacity Study, interactive table data (September 2025), CC BY 4.0, retrieved 2026-10-04
• Jobs and Skills Australia: Employment Projections (Victoria University) (May 2025 to May 2035), CC BY 4.0, retrieved 2026-10-04
• Australian Taxation Office: Taxation Statistics, Individuals Table 15A (2023-24), CC BY 2.5 AU, retrieved 2026-10-04

Updated 2026-10-04