Insurance Loss Adjuster – ANZSCO 599612

Insurance Loss Adjuster (ANZSCO 599612) is a skill level 3 occupation assessed by VETASSESS (Vocational Education and Training Assessment Services) for Australian skilled migration. It is on the STSOL, CSOL lists and can be used for subclass 190, subclass 491, subclass 482, subclass 186, subclass 494, subclass 407. 2 of 8 states and territories currently nominate it.

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Quick facts

ANZSCO code: 599612
Skill level: 3 – Certificate IV, or Certificate III with at least 2 years of on-the-job training, or 3 years of relevant experience.
Assessing authority: VETASSESS
Occupation lists: STSOL, CSOL
English test for skills assessment: Not required
ANZSCO unit group: 5996 Insurance Investigators, Loss Adjusters and Risk Surveyors

Insurance Loss Adjuster job description and duties

Inspects and assesses the damage and loss to insured property and business, estimates insurance costs, and acts to minimise the cost of claims to an insurance company.

Also known as: Insurance Loss Assessor

Tasks include

Examining scenes of incidents resulting in insurance claims to determine causes and effects
Interviewing witnesses and claimants to obtain details required to assess the validity of claims and identify the parties responsible for accidents, damage and loss, and preparing statements and reports
Inspecting damaged buildings, equipment and motor vehicles and estimating the cost of repairs
Estimating business losses resulting from fire, theft and other business disruptions
Reporting the extent of damage and estimated costs to the insurer
Inspecting property, buildings and operations of commercial and industrial establishments to assess physical conditions and work practices
Evaluating the adequacy of security, fire and related systems
Preparing reports and recommending action to reduce risks
Compiling data which influence the determination of premium rates

Education and skill level

Most occupations in this unit group have a level of skill commensurate with the qualifications and experience outlined below. In Australia: AQF Certificate III including at least two years of on-the-job training, or AQF Certificate IV (ANZSCO Skill Level 3) In New Zealand: NZQF Level 4 qualification, or at least three years of relevant experience (ANZSCO Skill Level 3) In some instances relevant experience and/or on-the-job training may be required in addition to the formal qualification. The occupation Insurance Risk Surveyor has a level of skill commensurate with the qualifications and experience outlined below. In Australia: AQF Associate Degree, Advanced Diploma or Diploma, or at least three years of relevant experience (ANZSCO Skill Level 2) In New Zealand: NZQF Diploma, or at least three years of relevant experience (ANZSCO Skill Level 2) In some instances relevant experience and/or on-the-job training may be required in addition to the formal qualification. Registration or licensing may be required.

What the assessing authority expects: VETASSESS Group D: minimum AQF Certificate III. Highly relevant fields include General Insurance, Loss Adjusting, Security, Risk Management, Business.

Visa options for Insurance Loss Adjuster

Eligible means the occupation is on a list the visa accepts. You still need to meet every other requirement.

Subclass 189 Skilled Independent: Not eligible (via MLTSSL)
Subclass 190 Skilled Nominated: Eligible (via MLTSSL / STSOL)
Subclass 491 Skilled Work Regional – State/Territory nominated: Eligible (via MLTSSL / STSOL / ROL)
Subclass 491F Skilled Work Regional – Family sponsored: Not eligible (via MLTSSL)
Subclass 485 Temporary Graduate – Post-Vocational Education Work: Not eligible (via MLTSSL)
Subclass 482 Skills in Demand – Core Skills stream: Eligible (via CSOL)
Subclass 186 Employer Nomination Scheme – Direct Entry: Eligible (via CSOL)
Subclass 494 Skilled Employer Sponsored Regional – Employer sponsored: Eligible (via MLTSSL / STSOL / ROL)
Subclass 407 Training visa: Eligible (via MLTSSL / STSOL / ROL)

State and territory nomination for Insurance Loss Adjuster

2 of 8 states and territories currently list this occupation: Victoria, Tasmania. Onshore means already living in that state; offshore means living outside Australia.

New South Wales: 190 No, 491 Closed 26–27, onshore No, offshore No. Unit group 5996 is not on the NSW Skills List.
Victoria: 190 Yes, 491 Not yet open, onshore VIC residents, offshore Yes. All 190-eligible occupations (no state list).
Queensland: 190 No, 491 No, onshore No, offshore No. Not on the Queensland onshore or offshore list.
South Australia: 190 No, 491 No, onshore No, offshore No. Not on the SA Skilled Occupation List.
Western Australia: 190 No, 491 No, onshore No, offshore No. Not on WASMOL or the Graduate occupation list.
Tasmania: 190 Yes, 491 Yes, onshore TAS residents, offshore No. Living in Tasmania: Skilled Employment, Graduate or Established Resident pathways; Overseas 491 (OSOP) closed for 2026–27.
Australian Capital Territory: 190 No, 491 No, onshore No, offshore No. Not on the ACT occupation list (Canberra small-business owners may still qualify).
Northern Territory: 190 Closed, 491 By exception, onshore NT grads/residents only, offshore No. 491 onshore only, by exception for NT Graduate or Resident applicants with urgent visa or age deadlines.

Based on each state's official 2026–27 lists and program pages. Being listed does not guarantee an invitation.

Skills assessment for Insurance Loss Adjuster

VETASSESS checks two things: that your qualification is at the right Australian (AQF) level and in a relevant field, and that you have enough relevant work experience at the right skill level. You need a positive result on both.

The process

Pick the right occupation: Match your duties to the occupation description and check its VETASSESS group.
Prepare documents: Qualifications, transcripts, employment references, payslips and ID as high-quality colour scans.
Apply online: Create a VETASSESS account, upload documents and pay. You can change occupation free within 10 days of payment.
Assessment: An officer reviews your file and may ask for more documents (you get 28 days to respond).
Outcome: Download your outcome letter and use it for your EOI and visa.

What you need for this occupation

Insurance Loss Adjuster is a VETASSESS Group D occupation. You need a qualification at AQF Certificate III level and must meet one of these pathways in full:

Pathway 1: AQF Certificate IV or higher in a highly relevant field + 1 year of highly relevant post-qualification employment in the last 5 years
Pathway 2: AQF Certificate IV or higher in a field that is not highly relevant + 2 years of highly relevant post-qualification employment in the last 5 years
Pathway 3: AQF Certificate III in a highly relevant field + 3 years of highly relevant post-qualification employment in the last 5 years
Pathway 4: AQF Certificate IV or higher in any field + 4 years of employment at the right skill level, including 1 year of highly relevant employment in the last 5 years

Highly relevant fields of study include: General Insurance, Loss Adjusting, Security, Risk Management, Business.

Employment must be paid, 20 or more hours a week and at the right skill level. Official VETASSESS page for Insurance Loss Adjuster.

Documents checklist

Passport bio page
Degree certificates and full academic transcripts
Employment reference letters on company letterhead (duties, dates, hours, salary)
Payslips, tax or bank records for each job
CV/résumé
English translations of non-English documents

Key facts

Fee (full assessment): AUD 1,146 from outside Australia (no GST); AUD 1,260.60 in Australia
Priority processing: + AUD 863 (outside Australia) / AUD 949.30 (in Australia); about 10 business days
Outcome valid for: 3 years from the issue date
Work hours that count: 20 hours or more per week
Validity for visas: Home Affairs generally accepts an assessment for 3 years unless the letter says otherwise

English language requirement

For the VETASSESS skills assessment

No English test required. No English test is needed for the VETASSESS skills assessment. VETASSESS checks your qualification and employment; your English is tested later, for the visa.

For the visa (189, 190 and 491)

Separately, the visa needs at least Competent English. Minimum scores for tests taken on or after 7 August 2025:

IELTS (Academic or General): Listening 6.0, Reading 6.0, Writing 6.0, Speaking 6.0
PTE Academic: Listening 47, Reading 48, Writing 51, Speaking 54
TOEFL iBT: Listening 16, Reading 16, Writing 19, Speaking 19
OET: Listening 290, Reading 310, Writing 290, Speaking 330

Proficient English adds 10 points and Superior English adds 20 points in the points test.

Related occupations in unit group 5996

Frequently asked questions

What is the ANZSCO code for Insurance Loss Adjuster?

The ANZSCO code for Insurance Loss Adjuster is 599612. It is a skill level 3 occupation.

Who assesses Insurance Loss Adjuster for Australian migration?

Insurance Loss Adjuster is assessed by VETASSESS (Vocational Education and Training Assessment Services). You need a positive skills assessment before you can apply for most skilled visas.

Which Australian visas can a Insurance Loss Adjuster apply for?

Insurance Loss Adjuster is on the STSOL, CSOL lists, so it can be used for: 190 Skilled Nominated; 491 Skilled Work Regional – State/Territory nominated; 482 Skills in Demand – Core Skills stream; 186 Employer Nomination Scheme – Direct Entry; 494 Skilled Employer Sponsored Regional – Employer sponsored; 407 Training visa. You must still meet every other visa requirement.

Which states nominate Insurance Loss Adjuster?

2 of 8 states and territories currently list Insurance Loss Adjuster: Victoria, Tasmania. Each state has extra criteria such as residence, employment and points.

Do I need an English test for the Insurance Loss Adjuster skills assessment?

No. No English test is needed for the VETASSESS skills assessment. VETASSESS checks your qualification and employment; your English is tested later, for the visa.

Sources: Australian Bureau of Statistics ANZSCO 2022 (CC BY 4.0), Department of Home Affairs skilled occupation lists, VETASSESS and state and territory nomination pages. Checked November 2026. General information only, not migration advice. Search all ANZSCO occupations.