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Insurance Policy and Claims Clerks

At a Glance

  • Process policy applications, changes, and claims
  • May have frequent contact with customers
  • Train on the job
  • Often work directly for agents
  • May work part time or full time

Career summary

Insurance policy and claims clerks process new and existing policies and record claims.

Insurance clerks update and reinstate existing policies. They process insurance changes, and calculate new premiums or adjustments. They may compile reports for managers.

Some insurance clerks work mostly with claims. They obtain the necessary information, such as the details of an accident. When information is missing, they may contact the insured or other involved persons. Once claims are complete, clerks transmit them to claims representatives. They may handle the entire claims process if the incident is minor.

Claims clerks may also assist customers in other ways. For example, they may direct customers to auto repair shops.

Most insurance policy and claims clerks work for insurance agents or large insurance companies.

Clerks who work in large companies review applications and process new policies. They contact agents or customers to get missing information and to make sure information is correct. They may also contact them about the status of policies. When policies are approved, clerks prepare the required documents. They also calculate premiums, using rate standards.

Insurance clerks who work for insurance agents have more contact with customers. They take calls and answer questions. They take payments, give receipts, process changes and refunds, and submit applications for new policies to insurance carriers. They also obtain information about claims.

Related careers

This career is part of the Finance cluster of careers.

Related careers include:

Job duties

Task list

The following list of tasks is specific to insurance policy and claims clerks.

Common work activities

Insurance policy and claims clerks perform the following tasks. These tasks are common to many careers.

Work requirements

Working conditions

In a typical work setting, insurance policy and claims clerks:

Interpersonal relationships

Physical work conditions

Work performance


Physical demands

Insurance policy and claims clerks frequently:

It is important for insurance policy and claims clerks to be able to:

It is not as important, but still necessary, for insurance policy and claims clerks to be able to:

Skills and abilities

Insurance policy and claims clerks need to:


Reason and problem solve

Work with people

Education and training

Educational programs

The programs of study listed below will help you prepare for the occupation or career cluster you are exploring.

Programs of study directly related to this occupation

Other programs of study to consider


To work as an insurance policy and claims clerk, you typically need to:

Education after high school

While not required, training in computers, records management, and office practices can be very useful. Community and junior colleges, vocational schools, and private business schools all offer training. You need word processing skills and office practice knowledge to get hired.

On-the-job training

Most policy and claims clerks learn many of their skills on the job. Training generally lasts up to a year.

Helpful high school courses

You should take a general high school curriculum that meets the state's graduation requirements. You will be required to take both math and science classes to graduate.

Helpful electives to take in high school that prepare you for this career include:

The courses listed above are meant to help you create your high school plan. If you have not already done so, talk to a school counselor or parent about the courses you are considering taking.

You should also check with a teacher or counselor to see if work-based learning opportunities are available in your school and community. These might include field trips, job shadowing, internships, and actual work experience. The goal of these activities is to help you connect your school experiences with real-life work.

Join some groups, try some hobbies, or volunteer with an organization that interests you. By participating in activities you can have fun, make new friends, and learn about yourself. Maybe one of them will help direct you to a future career. Here are examples of activities and groups that may be available in your high school or community.

Things to know

Employers require insurance policy and claims clerks to have at least a high school diploma or equivalent. Employers prefer applicants who have good communication skills and can work well with customers. They also prefer applicants who have typing and computer skills. Previous office or customer service experience is also helpful.

Job listings

Listed below are links to job categories from the National Labor Exchange that relate to this career. Once you get a list of jobs, you can view information about individual jobs and find out how to apply. If your job search finds too many openings, or if you wish to search for jobs outside of Washington, you will need to refine your search.

To get a listing of current jobs from the WorkSource system, go to the WorkSource website (external link).


Insurance claims and policy processing clerks (SOC 43-9041)

Pay Period
Washington Hourly $16.34 $18.42 $21.48 $24.51 $29.36
Monthly $2,832 $3,192 $3,722 $4,248 $5,088
Yearly $33,980 $38,320 $44,670 $50,980 $61,080
    Bellingham Hourly $14.75 $16.91 $19.55 $22.55 $24.26
Monthly $2,556 $2,931 $3,388 $3,908 $4,204
Yearly $30,680 $35,174 $40,667 $46,915 $50,443
    Olympia-Tumwater Hourly $18.87 $20.76 $23.48 $25.95 $33.20
Monthly $3,270 $3,598 $4,069 $4,497 $5,754
Yearly $39,247 $43,187 $48,828 $53,965 $69,057
    Seattle-Tacoma-Bellevue Hourly $16.75 $18.95 $22.36 $25.76 $30.67
Monthly $2,903 $3,284 $3,875 $4,464 $5,315
Yearly $34,839 $39,412 $46,518 $53,573 $63,788
    Spokane-Spokane Valley Hourly $16.58 $18.11 $20.44 $23.40 $25.34
Monthly $2,873 $3,138 $3,542 $4,055 $4,391
Yearly $34,487 $37,674 $42,524 $48,681 $52,713
    Vancouver Hourly $15.06 $17.92 $21.60 $25.56 $29.98
Monthly $2,610 $3,106 $3,743 $4,430 $5,196
Yearly $31,309 $37,285 $44,930 $53,150 $62,359
United States Hourly $13.24 $15.98 $19.07 $23.72 $29.09
Monthly $2,294 $2,769 $3,305 $4,111 $5,041
Yearly $27,540 $33,250 $39,660 $49,330 $60,500

Wages vary by employer and by region of the country.

Benefits also vary by employer. Full-time clerks usually receive benefits. Common benefits include sick leave, vacation, and health insurance. Part-time clerks may not receive benefits.

Employment and outlook

Washington outlook

The table below provides information about the number of workers in this career in various regions. It also provides information about the expected growth rate and future job openings.

Insurance Claims and Policy Processing Clerks (SOC 43-9041)

Location Current employment Growth over 10 years Annual openings
Washington 3,941 9.3% 16.1% 480
    Adams, Chelan, Douglas, Grant, and Okanogan Counties 30 6.7% 13.4% 3
    Asotin, Columbia, Ferry, Garfield, Lincoln, Pend Oreille, Stevens, Walla Walla, and Whitman Counties 24 4.2% 8.6% 2
    Benton and Franklin Counties 25 24.0% 15.0% 4
    Clallam, Jefferson, and Kitsap Counties 27 0.0% 11.9% 3
    Clark, Cowlitz, and Wahkiakum Counties 153 20.9% 15.2% 23
    Grays Harbor, Lewis, Mason, Pacific, and Thurston Counties 644 4.5% 14.1% 71
    Island, San Juan, Skagit, and Whatcom Counties 113 9.7% 14.6% 14
    King County 1,205 12.9% 19.6% 158
    Kittitas, Klickitat, Skamania, and Yakima Counties 44 11.4% 13.8% 6
    Pierce County 673 -0.1% 15.2% 64
    Snohomish County 300 14.7% 12.4% 41
    Spokane County 664 15.1% 13.9% 90
United States 308,800 4.2% 5.2% 32,700

National employment

Major employers:

National outlook

Demand will be as strong as average for this occupation. It will follow growth in the insurance industry. Automation saves time and so fewer clerks are needed. But claims clerks spend time analyzing claims and contacting customers. These tasks are harder to automate, so these workers will continue to be in demand.

Job openings will occur as people leave the occupation for other jobs.

Other resources

Insurance Information Institute (external link)
110 William Street
New York, NY 10038
The Council of Insurance Agents and Brokers (external link)
701 Pennsylvania Avenue NW, Suite 750
Washington, DC 20004


Career cluster

Career path

O*Net (external link) occupations

O*Net job zones (external link)

DOT occupations

Holland occupational cluster