
Global Claim Adjusting Market Insights, Size, and Forecast By Claim Type (Property Claims, Casualty Claims, Liability Claims, Health Claims), By Service Type (Adjustment Services, Consulting Services, Loss Assessment Services, Special Investigation Services), By End User (Insurance Companies, Self-Insured Entities, Third-Party Administrators, Government Agencies), By Distribution Channel (Direct Sales, Brokers, Online Platforms), By Region (North America, Europe, Asia-Pacific, Latin America, Middle East and Africa), Key Companies, Competitive Analysis, Trends, and Projections for 2026-2035
Key Market Insights
Global Claim Adjusting Market is projected to grow from USD 145.8 Billion in 2025 to USD 231.2 Billion by 2035, reflecting a compound annual growth rate of 6.4% from 2026 through 2035. The claim adjusting market encompasses a broad range of services aimed at assessing, investigating, and settling insurance claims on behalf of insurers and policyholders. This involves the meticulous evaluation of damages, verification of policy coverage, negotiation with claimants, and ultimately, the fair and efficient resolution of claims. Key market drivers include the increasing frequency and severity of natural disasters, leading to a surge in property and casualty claims globally. Furthermore, the growing complexity of insurance products, coupled with stricter regulatory environments, necessitates specialized expertise in claim management. The proliferation of cyber risks and business interruption events also contributes significantly to the demand for sophisticated adjusting services. Important trends shaping the market involve the accelerating adoption of advanced technologies such as artificial intelligence, machine learning, and drones for faster and more accurate claims processing. Automation in routine tasks, predictive analytics for fraud detection, and virtual inspections are transforming traditional adjusting methodologies. However, market growth faces restraints such as the rising cost of skilled adjusters and the pressure to reduce operational expenses within the insurance sector. The intense competition among service providers also impacts pricing power. Opportunities lie in the expansion of niche adjusting services, particularly in emerging risk areas like parametric insurance and specialized liability claims. The increasing focus on customer experience and the demand for transparent and efficient claims resolution also present avenues for innovation and growth.
Global Claim Adjusting Market Value (USD Billion) Analysis, 2025-2035

2025 - 2035
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North America remains the dominant region in the global claim adjusting market, driven by a mature insurance industry, high insurance penetration rates, and a well-established regulatory framework. The region experiences a significant volume of property and casualty claims, including those arising from frequent severe weather events, necessitating robust adjusting services. The presence of major insurance carriers and a sophisticated network of independent adjusters further solidify North America's leading position. Conversely, Asia Pacific is emerging as the fastest-growing region, fueled by rapid economic development, increasing insurance awareness, and a burgeoning middle class. Expanding infrastructure projects, coupled with a higher frequency of natural catastrophes in certain parts of the region, are leading to a substantial rise in insurance claims. The region's growing population and the increasing adoption of various insurance products are creating fertile ground for the expansion of claim adjusting services. The leading segment in the market is insurance companies, which typically manage a large portion of their claims in-house or outsource to large, integrated adjusting firms.
Key players such as Sedgwick Claims Management Services, Berkshire Hathaway, Gallagher Bassett Services, Aon plc, Kroll, Markel Corporation, Sedgwick International, Crawford & Company, The Hartford, and Ellington Management Group are actively pursuing strategies to enhance their market position. These strategies include mergers and acquisitions to expand service portfolios and geographical reach, significant investments in technological advancements to improve claims processing efficiency and accuracy, and the development of specialized expertise in high-growth claim areas. Several players are also focusing on offering end-to-end claim management solutions, from initial reporting to final settlement, to provide a seamless experience for their clients. Partnerships with insurtech companies are becoming increasingly common, allowing traditional adjusters to leverage innovative platforms and data analytics for enhanced service delivery. The market is also witnessing a trend towards greater specialization, with firms developing unique capabilities in areas like complex commercial claims, catastrophic events, and niche liability lines, aiming to differentiate themselves in a competitive landscape.
Quick Stats
Market Size (2025):
USD 145.8 BillionProjected Market Size (2035):
USD 231.2 BillionLeading Segment:
Insurance Companies (62.8% Share)Dominant Region (2025):
North America (38.2% Share)CAGR (2026-2035):
6.4%
What is Claim Adjusting?
Claim adjusting involves investigating insurance claims to determine the insurer's liability and the appropriate settlement amount. Adjusters examine policy language, assess damages, gather evidence, interview parties, and negotiate with claimants. Their role is to ensure fair and accurate claim resolution according to policy terms and legal requirements. This process protects both the insurer from overpayment and the insured from underpayment. It is crucial for maintaining financial stability within the insurance industry and providing timely support to policyholders after an insured event. Effective claim adjusting ensures proper allocation of funds and supports the core function of insurance.
What are the Trends in Global Claim Adjusting Market
AI Driven Claims Automation
Parametric Insurance Expansion
ESG Factors in Loss Assessment
Gig Economy Adjuster Networks
AI Driven Claims Automation
AI analyzes claims data, automating low complexity tasks like fraud detection and eligibility checks. This speeds up processing, reduces manual effort, and improves accuracy across the global market. It frees human adjusters to focus on complex cases, enhancing efficiency and customer satisfaction through faster resolutions and consistent decision making.
Parametric Insurance Expansion
Parametric insurance is growing due to its predefined triggers and rapid payouts, bypassing traditional claims assessment. This accelerates compensation for natural disasters and other measurable events, offering an efficient, transparent alternative. Its rule based nature reduces disputes and processing times, appealing to businesses and governments seeking swift financial relief in predictable loss scenarios.
ESG Factors in Loss Assessment
In loss assessment, claims adjusters increasingly integrate ESG factors to evaluate risk and determine liability. This trend involves analyzing how environmental, social, and governance practices impact the severity and frequency of losses. Poor ESG performance can now lead to higher assessed damages or even new grounds for claims, reflecting a broader shift towards sustainable business practices influencing financial outcomes in the global claim adjusting market.
Gig Economy Adjuster Networks
Gig economy models are transforming claim adjusting. Networks of independent adjusters, operating via digital platforms, offer scalability and on demand services. This reduces overhead for insurers and leverages a distributed talent pool for faster, more specialized claim resolution. It enhances flexibility for both insurers and individual adjusters, adapting to fluctuating claim volumes and geographic needs.
What are the Key Drivers Shaping the Global Claim Adjusting Market
Rising Global Insurance Penetration and Premiums
Increasing Frequency and Severity of Catastrophic Events
Technological Advancements in Claims Management and AI
Growing Demand for Specialized Claims Services and Expertise
Rising Global Insurance Penetration and Premiums
Increasing worldwide adoption of insurance policies across various sectors directly fuels demand for claim adjusting services. As more individuals and businesses secure coverage, the volume of claims rises proportionally. This expansion in insurance penetration, driven by economic growth and greater risk awareness, creates a larger pool of incidents requiring professional assessment and resolution, thus propelling growth in the claim adjusting market.
Increasing Frequency and Severity of Catastrophic Events
Climate change and urbanization are escalating the occurrence and impact of natural disasters like hurricanes, floods, and wildfires. Additionally, geopolitical instability contributes to man made catastrophes. These events create substantial claims volumes and complex damage assessments for adjusters. The increased frequency and severity necessitate advanced expertise and resources in the global claims market.
Technological Advancements in Claims Management and AI
Technological advancements including artificial intelligence are revolutionizing claims management. AI powered tools automate tasks like damage assessment and fraud detection, improving accuracy and efficiency. This enables quicker processing and better customer experiences. Data analytics provides deeper insights for risk management and personalized service. These innovations drive growth by enhancing operational effectiveness and adapting to evolving market demands.
Growing Demand for Specialized Claims Services and Expertise
Insurers increasingly seek expert adjusters for complex claims like cyber, climate, and tech liabilities. Traditional methods struggle with these specialized cases requiring specific technical knowledge, detailed investigations, and accurate valuations. This demand for specialized expertise drives market expansion as firms invest in advanced training and niche capabilities to meet these evolving client needs globally.
Global Claim Adjusting Market Restraints
Regulatory Fragmentation and Compliance Burdens
Varying regulations across countries complicate global claim adjusting. Each jurisdiction may have unique licensing, data privacy, and claims handling rules. This necessitates understanding and adhering to diverse legal frameworks, leading to increased administrative overhead and higher compliance costs for adjusters operating internationally. The lack of standardized regulations creates operational complexities and hinders seamless cross-border claims processing, impacting efficiency and profitability within the global market.
Talent Shortages and Skill Gaps
A significant restraint is the severe shortage of skilled claim adjusters. The profession demands highly specialized expertise in assessing complex claims, understanding intricate policy wordings, and navigating diverse regulatory landscapes. A persistent lack of qualified talent capable of fulfilling these demanding roles creates substantial operational bottlenecks. This talent deficit impacts service quality, slows claims processing, increases backlogs, and hinders the industry's ability to effectively manage a growing volume and complexity of global claims.
Global Claim Adjusting Market Opportunities
AI & Predictive Analytics: Driving Efficiency and Accuracy in Global Claim Adjusting
AI and predictive analytics unlock a critical opportunity in global claim adjusting. These tools significantly boost operational efficiency by automating routine tasks and accelerating processing. They drive greater accuracy in liability assessment and damage estimation through data driven insights, minimizing fraud and reducing costs. This ensures consistent decision making across diverse global markets, from emerging to established regions. The capability to swiftly analyze vast datasets empowers adjusters, improving customer experiences and positioning organizations for substantial competitive advantage and growth.
Specialized Adjusting for Emerging Risks: Capitalizing on Climate, Cyber, and Complex Liabilities
The global claim adjusting market presents a significant opportunity in specialized adjusting for emerging risks. Firms can capitalize by developing deep expertise in climate related property damage, sophisticated cyber breaches, and complex liability claims. As these novel risks continue to escalate globally, particularly in fast growing regions, insurers require highly skilled adjusters capable of accurately assessing intricate losses and providing tailored solutions. This niche specialization drives demand, allowing adjusters to offer premium services and establish themselves as essential partners in managing modern insurance challenges, fostering growth and resilience effectively.
Global Claim Adjusting Market Segmentation Analysis
Key Market Segments
By Claim Type
- •Property Claims
- •Casualty Claims
- •Liability Claims
- •Health Claims
By Service Type
- •Adjustment Services
- •Consulting Services
- •Loss Assessment Services
- •Special Investigation Services
By End User
- •Insurance Companies
- •Self-Insured Entities
- •Third-Party Administrators
- •Government Agencies
By Distribution Channel
- •Direct Sales
- •Brokers
- •Online Platforms
Segment Share By Claim Type
Share, By Claim Type, 2025 (%)
- Property Claims
- Casualty Claims
- Liability Claims
- Health Claims

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Why are Insurance Companies the leading end user in the Global Claim Adjusting Market?
Insurance Companies dominate the market with a significant share because their core operations inherently involve processing numerous claims across various categories. They rely heavily on claim adjusters, both internal and external, to accurately assess losses, verify policy coverage, detect potential fraud, and ensure timely and fair settlements. This continuous demand for professional expertise in claim management makes them the primary drivers of market activity, influencing service provision across all claim types.
How does the diversification of service types impact the Global Claim Adjusting Market?
The market is characterized by diverse service types including adjustment services, consulting services, loss assessment, and special investigation services. This spectrum reflects the varying needs of clients for comprehensive claim management. While direct adjustment services form the core, consulting and special investigations add value by addressing complex cases, fraud prevention, and strategic advice. This diversification allows service providers to offer tailored solutions, catering to specific client requirements and complexities inherent in different claim scenarios.
What role do various distribution channels play in reaching clients within the Global Claim Adjusting Market?
Distribution channels such as direct sales, brokers, and online platforms are crucial for connecting claim adjusting service providers with their diverse client base. Direct sales often cater to larger entities and long term contracts, building bespoke relationships. Brokers act as intermediaries, matching clients with suitable adjusting firms, especially for specialized needs. While online platforms are emerging, facilitating easier access and comparison for certain services, the market still largely depends on established relationships and specialized expertise delivered through direct engagements and brokerage networks.
What Regulatory and Policy Factors Shape the Global Claim Adjusting Market
Global claim adjusting navigates a complex tapestry of national and regional regulations. Licensing requirements for adjusters vary significantly across jurisdictions, necessitating localized compliance frameworks. Data privacy laws like GDPR and CCPA profoundly impact the handling and cross border transmission of sensitive policyholder information, demanding robust data governance. Consumer protection statutes mandate fair practices, transparency, and timely claim resolution, influencing operational procedures worldwide. Anti fraud measures, anti money laundering regulations, and sanctions compliance impose strict reporting and due diligence obligations. The increasing use of technology like AI also introduces regulatory scrutiny regarding algorithmic bias, transparency, and data security. International cooperation remains crucial given diverse legal frameworks.
What New Technologies are Shaping Global Claim Adjusting Market?
Artificial intelligence and machine learning are revolutionizing claim assessment, enabling faster processing, improved accuracy, and sophisticated fraud detection across property, auto, and specialty lines. Internet of Things devices provide real time data from connected assets for precise damage evaluation and proactive risk management. Drones enhance property inspections, especially post catastrophe, significantly reducing field time and operational costs. Blockchain offers secure, transparent transaction records, building trust and streamlining data exchange among stakeholders. Computer vision technology automates damage analysis from images and videos. Predictive analytics further optimizes resource allocation, identifies emerging risks, and personalizes customer experiences. These innovations collectively drive substantial efficiency gains, transforming traditional adjusting practices into more data driven, customer centric services, fueling robust market expansion.
Global Claim Adjusting Market Regional Analysis
Global Claim Adjusting Market
Trends, by Region

North America Market
Revenue Share, 2025
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North America dominates the global claim adjusting market with a substantial 38.2% share, driven by a mature insurance sector and frequent catastrophic weather events. The region benefits from sophisticated regulatory frameworks and technological advancements in claims processing. High consumer awareness regarding insurance coverage and a well-established network of independent adjusters further solidify its leading position. The significant economic value and dense population contribute to a high volume of claims, particularly in property and casualty, ensuring continued market growth and innovation in adjusting services across the U.S. and Canada.
Europe's claims adjusting market is mature and highly regulated, exhibiting regional fragmentation. Western Europe, particularly the UK and Germany, dominates in terms of market size and technological adoption, driven by complex commercial and specialty claims. Northern Europe shows consistent growth with a focus on efficiency. Southern Europe, while growing, often faces economic challenges impacting claim volumes and digitalization. Eastern Europe is a nascent but rapidly evolving market, with increasing foreign investment and a rising demand for professional adjusting services as insurance penetration grows. Regulatory nuances across member states significantly influence operational strategies and market entry.
The Asia Pacific claim adjusting market is experiencing the fastest growth globally, projected at an impressive 11.2% CAGR. This surge is driven by rapid economic expansion, increasing insurance penetration across personal and commercial lines, and a rising awareness of risk management. Emerging economies like China and India are significant contributors, witnessing increased demand for both property and casualty, and specialized adjusting services. The region's diverse regulatory landscape and varied market maturity also present unique challenges and opportunities for claim adjusting firms, fostering innovation and localized service offerings to cater to specific regional needs.
Latin America's claim adjusting market is characterized by varied regulatory landscapes and economic conditions. Brazil, Mexico, and Argentina represent the largest markets, driven by growing insurance penetration in auto, property, and health. Colombia and Chile show steady growth, while smaller nations are more nascent. The region faces challenges like high crime rates impacting property claims, natural disaster frequency, and the need for specialized adjusters. Technology adoption, particularly in remote and digital adjusting, is increasing, enhancing efficiency and accessibility across diverse geographical areas. The market continues to evolve with economic stability and insurance sector maturity.
The Middle East & Africa (MEA) claim adjusting market is characterized by varied growth, influenced by regional economic conditions and natural catastrophe frequency. Gulf nations exhibit robust expansion due to infrastructure development and diversified insurance penetration. South Africa leads the sub-Saharan market, driven by sophisticated financial services and a mature insurance sector. Emerging markets across Africa are witnessing steady, albeit slower, growth. Political instability and lower insurance penetration in conflict zones constrain market expansion. The region collectively faces challenges from a shortage of skilled adjusters and the need for localized expertise to handle diverse claim types, from complex commercial losses to agricultural claims. Technological adoption remains a key growth driver.
Top Countries Overview
The US dominates global claim adjusting, driven by its vast insurance market and complex legal landscape. Domestic firms handle most volume, though international companies eye expansion. Technology adoption and specialized expertise are key competitive factors in this evolving sector.
China's expanding insurance market and cross border claims drive its growing role in global adjusting. Domestic firms enhance expertise while international players seek partnerships to navigate complex regulations and cultural nuances, aiming for efficiency and fair settlements across diverse claim types.
India is a growing hub for global claim adjusting, leveraging a skilled workforce and cost efficiency. Its market share is expanding as international insurers outsource various adjusting functions, including fraud investigation and damage assessment, positioning India as a key player in the evolving global landscape.
Impact of Geopolitical and Macroeconomic Factors
Geopolitical instability drives increased claims from natural disasters, cyber attacks, and supply chain disruptions, especially in emerging markets. Trade wars and protectionist policies impact cross border claim handling and the availability of specialized adjusters. Inflationary pressures elevate repair costs and liability claims, while interest rate hikes influence investment returns for adjusters and insurers, potentially affecting market entry and expansion.
Regulatory shifts toward climate risk disclosures and greater data privacy alter claim documentation and investigation processes. Technological advancements in AI and drones are reshaping claim assessment and fraud detection, improving efficiency but requiring significant investment. Economic slowdowns may reduce certain claim types but increase others, like business interruption due to bankruptcies, altering market demand.
Recent Developments
- March 2025
Sedgwick Claims Management Services acquired a specialized drone inspection and AI analytics firm. This strategic acquisition enhances Sedgwick's property claims assessment capabilities, particularly for large-scale disaster events, by integrating advanced imagery and predictive modeling.
- January 2025
Crawford & Company launched a new 'Global Cyber Incident Response' service offering. This initiative provides comprehensive support from initial breach detection to post-incident recovery, addressing the escalating demand for specialized cyber claims management.
- April 2025
Gallagher Bassett Services formed a strategic partnership with a leading insurtech startup specializing in automated claims processing for small commercial lines. This collaboration aims to leverage AI and machine learning to streamline low-complexity claims, improving efficiency and customer satisfaction.
- February 2025
Aon plc announced a significant investment in its 'Global Climate Risk & Resilience' practice, expanding its team of climate scientists and risk modeling experts. This strategic initiative is designed to better assess and manage claims arising from increasingly frequent and severe weather events globally.
- November 2024
Kroll, a leading independent provider of claims administration, launched a new blockchain-powered platform for supply chain disruption claims. This product aims to enhance transparency and accelerate resolution times for complex, multi-party claims within global supply networks.
Key Players Analysis
Key players like Sedgwick and Crawford & Company dominate global claims adjusting, providing comprehensive services across property, casualty, and specialty lines. Berkshire Hathaway and Markel Corporation primarily offer insurance and reinsurance, with their adjusting often internal or through partnerships. Gallagher Bassett and Aon plc leverage sophisticated technology, including AI and predictive analytics, to enhance claims processing efficiency and accuracy. Strategic initiatives focus on digital transformation, data driven insights, and expanding international reach. Market growth is driven by increasing global economic activity, complex risk landscapes, and the growing need for efficient and specialized claims handling across various industries.
List of Key Companies:
- Sedgwick Claims Management Services
- Berkshire Hathaway
- Gallagher Bassett Services
- Aon plc
- Kroll
- Markel Corporation
- Sedgwick International
- Crawford & Company
- The Hartford
- Ellington Management Group
- Gallagher
- Zywave
- AmWINS Group
- Liberty Mutual
- Charles Taylor PLC
Report Scope and Segmentation
| Report Component | Description |
|---|---|
| Market Size (2025) | USD 145.8 Billion |
| Forecast Value (2035) | USD 231.2 Billion |
| CAGR (2026-2035) | 6.4% |
| Base Year | 2025 |
| Historical Period | 2020-2025 |
| Forecast Period | 2026-2035 |
| Segments Covered |
|
| Regional Analysis |
|
Table of Contents:
List of Figures
List of Tables
Table 1: Global Claim Adjusting Market Revenue (USD billion) Forecast, by Claim Type, 2020-2035
Table 2: Global Claim Adjusting Market Revenue (USD billion) Forecast, by Service Type, 2020-2035
Table 3: Global Claim Adjusting Market Revenue (USD billion) Forecast, by End User, 2020-2035
Table 4: Global Claim Adjusting Market Revenue (USD billion) Forecast, by Distribution Channel, 2020-2035
Table 5: Global Claim Adjusting Market Revenue (USD billion) Forecast, by Region, 2020-2035
Table 6: North America Claim Adjusting Market Revenue (USD billion) Forecast, by Claim Type, 2020-2035
Table 7: North America Claim Adjusting Market Revenue (USD billion) Forecast, by Service Type, 2020-2035
Table 8: North America Claim Adjusting Market Revenue (USD billion) Forecast, by End User, 2020-2035
Table 9: North America Claim Adjusting Market Revenue (USD billion) Forecast, by Distribution Channel, 2020-2035
Table 10: North America Claim Adjusting Market Revenue (USD billion) Forecast, by Country, 2020-2035
Table 11: Europe Claim Adjusting Market Revenue (USD billion) Forecast, by Claim Type, 2020-2035
Table 12: Europe Claim Adjusting Market Revenue (USD billion) Forecast, by Service Type, 2020-2035
Table 13: Europe Claim Adjusting Market Revenue (USD billion) Forecast, by End User, 2020-2035
Table 14: Europe Claim Adjusting Market Revenue (USD billion) Forecast, by Distribution Channel, 2020-2035
Table 15: Europe Claim Adjusting Market Revenue (USD billion) Forecast, by Country/ Sub-region, 2020-2035
Table 16: Asia Pacific Claim Adjusting Market Revenue (USD billion) Forecast, by Claim Type, 2020-2035
Table 17: Asia Pacific Claim Adjusting Market Revenue (USD billion) Forecast, by Service Type, 2020-2035
Table 18: Asia Pacific Claim Adjusting Market Revenue (USD billion) Forecast, by End User, 2020-2035
Table 19: Asia Pacific Claim Adjusting Market Revenue (USD billion) Forecast, by Distribution Channel, 2020-2035
Table 20: Asia Pacific Claim Adjusting Market Revenue (USD billion) Forecast, by Country/ Sub-region, 2020-2035
Table 21: Latin America Claim Adjusting Market Revenue (USD billion) Forecast, by Claim Type, 2020-2035
Table 22: Latin America Claim Adjusting Market Revenue (USD billion) Forecast, by Service Type, 2020-2035
Table 23: Latin America Claim Adjusting Market Revenue (USD billion) Forecast, by End User, 2020-2035
Table 24: Latin America Claim Adjusting Market Revenue (USD billion) Forecast, by Distribution Channel, 2020-2035
Table 25: Latin America Claim Adjusting Market Revenue (USD billion) Forecast, by Country/ Sub-region, 2020-2035
Table 26: Middle East & Africa Claim Adjusting Market Revenue (USD billion) Forecast, by Claim Type, 2020-2035
Table 27: Middle East & Africa Claim Adjusting Market Revenue (USD billion) Forecast, by Service Type, 2020-2035
Table 28: Middle East & Africa Claim Adjusting Market Revenue (USD billion) Forecast, by End User, 2020-2035
Table 29: Middle East & Africa Claim Adjusting Market Revenue (USD billion) Forecast, by Distribution Channel, 2020-2035
Table 30: Middle East & Africa Claim Adjusting Market Revenue (USD billion) Forecast, by Country/ Sub-region, 2020-2035
