Which role is primarily responsible for evaluating the merits of claims submitted for assessment?

The claims handler is primarily responsible for evaluating the merits of claims submitted for assessment. This role involves investigating claims to determine their validity, analyzing the details of each claim, and assessing whether the conditions for payout as outlined in the policy are met. The claims handler gathers relevant information, communicates with all parties involved, and makes decisions that adhere to company policies and legal requirements. This evaluation process is crucial as it directly impacts the company's financial liability and the fair treatment of policyholders.

Other roles such as underwriters, insurance brokers, and territory managers have different responsibilities. Underwriters focus primarily on the risk assessment and pricing of insurance policies before claims are filed. Insurance brokers act as intermediaries between clients and insurers, facilitating the purchase of insurance and offering advice, rather than handling claims directly. Territory managers oversee operations and performance across specific regions but do not typically engage in claims assessment.