Total Experience: 5 - 8 years

Key Responsibilities:

- Manage and coordinate TORQ Group's insurance portfolio to ensure that business activities, assets, stock, liabilities, and people are appropriately insured.

- Maintain complete and accurate records of policies, endorsements, certificates, coverage limits, deductibles, warranties, and renewal dates.

- Monitor policy conditions, warranties, and notification requirements to protect the Group's ability to recover under its policies.

- Coordinate premium payments, reconciliations, refunds, and policy adjustments with Finance and other relevant teams.

- Provide insurance documents required by customers, suppliers, lenders, landlords, and other contractual counterparties.

- Manage insurance requirements arising from the international and domestic movement, storage, and handling of commodities.

- Review imports, exports, cross-border trades, inland movements, warehousing, and multimodal shipments from an insurance perspective.

- Work with Trade Operations, Logistics, and Trading teams to ensure that shipments and inventories are declared correctly and adequately insured.

- Review cargo values, declarations, policy limits, and supporting documents to reduce uninsured and under-insured exposures.

- Assess the insurance implications of Incoterms, title and risk transfer, warehousing, freight, and chartering arrangements.

- Own insurance claims from first notification through settlement, recovery, and closure.

- Assess available coverage, define claims strategy, and ensure timely notification.

- Collect, review, and organise the evidence and supporting documents required for each claim.

- Coordinate surveyors, loss adjusters, investigators, lawyers, and other specialists as required.

- Negotiate with insurers and brokers, respond to queries, challenge coverage or settlement positions where appropriate, and pursue timely resolution.

- Manage salvage, recovery, and subrogation matters where applicable, and maintain a complete audit trail.

- Manage claims involving multiple jurisdictions, overseas insurers and brokers, shipping lines, warehouses, freight counterparties, and external counsel.

- Interpret policy wording, exclusions, deductibles, warranties, and coverage positions.

- Present TORQ's position clearly and commercially to insurers, brokers, and advisers.

- Drive disputed, delayed, and technically complex claims forward, escalating material issues when necessary.

- Work closely with the Head of Marine Operations throughout insurance placement and renewal exercises.

- Gather and validate underwriting information, exposure data, and claims histories.

- Prepare insurance submissions and supporting information for the market.

- Review quotations, policy wording, exclusions, warranties, deductibles, limits, and sub-limits.

- Participate in negotiations with brokers and insurers, and benchmark coverage and premium terms.

- Identify coverage gaps and recommend practical improvements or alternative solutions.

- Identify insurable risks arising from new products, markets, geographies, contracts, logistics structures, and business activities.

- Work with Legal, Trade Operations, and commercial teams on insurance and indemnity provisions in sales and purchase contracts, logistics, warehousing, freight, chartering, processing, and financing arrangements.

- Flag adverse insurance provisions, uninsured exposures, and contractual obligations that require additional cover.

- Recommend appropriate insurance solutions and practical risk-mitigation measures.

- Maintain effective working relationships with insurers, brokers, and specialist advisers.

- Coordinate with surveyors, loss adjusters, investigators, marine consultants, claims advisers, and external lawyers.

- Monitor service delivery, maintain momentum on open matters, and escalate performance or responsiveness concerns when required.

- Provide accurate management information and strengthen insurance processes across the Group.

- Maintain clear reporting on policies, premiums, notified and outstanding claims, settlements, recoveries, exposures, and renewals.

- Analyse claims trends and recurring loss events, and recommend practical preventive measures.

- Improve insurance processes, documentation standards, and internal awareness across relevant TORQ teams.