In a nutshell
This role is all about supporting the development of pro-active programmes aimed at reducing frequency & severity of loss working closely with the Safety teams in both Retail and Logistics as well as with our Insurers and Brokers. Ensuring that we effectively communicate & manage a broad range of initiatives to minimise the exposure to risk across all areas of the Business protecting our Brand & reputation.
Also to directly manage the motor and property outsourced claims handling and civil litigation process to ensure a cost-effective resolution, whilst protecting our reputation and Brand. To provide technical and specialist support to the Business in order to proactively mitigate exposure to risk.
What I need to do
Work closely with the Zone / Regional Safety Business Partners and Logistics Safety Team to ensure that the business leadership teams understand the true impact of the cost of claims and their role in the mitigation process. Providing high quality proactive support on all insurance and loss related issues across the business.
To manage and support the development of the C4 role within the team.
Effectively manage the outsourced motor claims handlers and litigators to ensure that they provide a tailored, focussed service in accordance with their SLAs which will also provide added value.
Work with the field safety teams support the management of all serious accident escalations to ensure a co-ordinated & proactive response. Where necessary liaise with the Customer and the Press Office teams as appropriate & to update the Insurance Manager.
To manage complex high value claims and those cases which run to trial, taking the lead cross functional role to ensure the best possible outcomes with regular updates to the Insurance Manager;
Lead the management of complex property claims when required by the Insurance Manager. Lead on key risk management projects within the Safety & Insurance team, ensuring alignment with the underlying business strategy, with the ultimate aim of reducing the frequency & severity of losses
Support the annual programme of Insurers property surveys, representing the interest of the Business by robustly challenging where necessary & securing mutually acceptable resolutions when required. Working closely with the Fire Safety Business Partner to identify areas for inclusion in future specification developments and areas where sensible investment would yield benefits to the business.
Identify opportunities to improve our procedures and our training from insights developed from claims and insurers challenges providing feedback to the Insurance Manager and Safety Leadership team. Drive the integration of policies, processes and communication across Stores, Depots, Sainsbury’s Argos and Sainsbury’s Bank.
Develop key stakeholder relationships giving technical and strategic advice as appropriate developing the Insurance “Centre of Excellence”. Act as a subject matter expert providing insurance and risk management support to project teams across the business and Business Continuity teams in the event of a serious incident. Provide support, technical advice and training to Sainsbury’s Careline, Sainsbury’s Argos Customer Services and Safety Direct.
Support the Insurance renewal process with the Insurance & Claims Manager both through the development of robust renewal information and participation in the tendering presentations as appropriate. Support in the auditing of outsourced providers to ensure Sainsbury’s standards and processes are being maintained.
Actively participate in companywide projects where necessary supporting outside of area of responsibility based on risk or as part of an identified campaign.
Develop a strong network of stakeholders within the Insurance Market promoting the professionalism of the Safety & Insurance team and deputising for the Insurance & Claims Manager as necessary.
How I will succeed
Success in the role will be seen by improved claims experience, reduction in losses through motor road traffic accidents and property damage, improvement in repudiation rates and reductions in premiums. In addition improved understanding across the business of the impact and cost of claims and non-compliance to process.
Measures of success in this role are generally indirect but repudiation rates, claims numbers and claims costs, Insurance audit outcomes, stakeholder feedback and long term incident rate reductions are all measures that will point to success
What I need to know
Relevant knowledge of Health & Safety requirements ideally gained in a retail, logistics or related environments.
Broad experience of liability, motor and property claims handling and experience of working with outsourced providers and in house stakeholders.
Either have or have the ability to attain Diploma in the Chartered Insurance Institute within a reasonable time frame. Ideally ability to progress to Associate Membership of the Chartered Insurance Institute.
What I need to show
A strong coaching approach, continuously developing coaching capability in others, ensuring that judgments made on people and situations are fair and balanced
Strong project management skills and the ability to manage multiple activities simultaneously.
Ability to win the hearts and minds of peers and stakeholders both internal and external at all levels by being credible and persuasive.
Excellent communication (verbal and written), PC and interpersonal skills
Commitment to ongoing personal development
Resources available to me
Support from the Field Safety Teams, Safety Direct and central Safety & Insurance teams
Administration support from Corporate Services Professional Support Team
Outsourced Claims Handling teams both in Sainsbury’s Argos and Sainsbury’s
What decisions I can make
The jobholder has the authority to manage claims in the most appropriate manner to minimise financial & reputational loss to the company.
The jobholder has the authority to liaise with Insurers, Loss Adjusters and third party agents in the management of claims, to agree an appropriate strategy.
Decisions on key project areas and areas for improvement / follow up will be decided by the Job Holder jointly with the Safety Leadership team