Understanding the Role and Responsibilities of a Commercial Claims Adjuster
                     Understanding the Role 
& Responsibilities of a 
Commercial Claims 
Adjuster
Introduction to Commercial Claims Adjuster
Evaluation Role Vital Function Protection Purpose
A commercial claims adjuster They play a vital role in Their work ensures fair 
evaluates insurance claims determining the validity and settlements that protect both the 
related to business policies and extent of insurance claims filed insurance company and the 
commercial properties. by businesses. policyholder.
Key Responsibilities
Investigation Policy Analysis Settlement Negotiation
Investigating claims by collecting Analyzing policy coverage to Negotiating settlements with 
evidence, interviewing witnesses, determine the appropriate claimants, attorneys, and other 
and inspecting damages. compensation amount. involved parties.
Skills and Qualifications
Analytical Skills Communication Background
Strong analytical skills are Excellent communication abilities are A background in insurance, 
essential for assessing damages necessary for negotiating and law, or related fields often 
and policy details accurately. documenting claims. benefits commercial claims 
adjusters.
Types of Commercial Claims
Property Claims Liability Claims Business Interruption 
Claims
Property claims involve Liability claims arise when a 
damages to buildings, business is held responsible for Business interruption claims 
equipment, or inventory owned injuries or damages to third compensate for lost income 
by a business. parties. due to covered damages or 
events.
The Claims Adjustment Process
Claim Reporting Investigation Settlement
The process begins with claim The adjuster investigates and A settlement is negotiated, and a 
reporting and initial evaluates the claim, often visiting claim resolution is documented 
documentation by the the site or reviewing evidence. and finalized.
policyholder.
Conclusion
Commercial claims adjusters play an essential role in helping businesses recover from unexpected losses. Their expertise 
ensures fair evaluations, accurate documentation, and maximum compensation for damages. Whether dealing with property 
loss, liability claims, or business interruption, having a professional on your side makes the process smoother and more 
transparent.
If your business has experienced property damage or an insurance dispute, don't navigate the claims process alone.
Partner with a trusted public claims adjuster to protect your investment and secure the settlement you deserve.
Spartan Public Adjusters is a leading public adjusting company & insurance claim consultants proudly serving Georgia, Tennessee, 
and Ohio. To schedule a consultation & let our experts handle your commercial insurance claim with precision & care. Call us now.