What does a claims handler primarily work with?

A claims handler primarily works with processing insurance claims. This role involves assessing the details of claims made by policyholders, determining the validity and extent of the claims, and facilitating the payment of valid claims. The claims handler ensures that the claim process runs smoothly and that policyholders receive due compensation based on their insurance coverage.

In this context, processing insurance claims is crucial because it is the core function of the claims handler’s responsibilities. This includes collecting relevant information, communicating with the insured, adjusting the claims, and ultimately making decisions regarding the payout. Claims handlers serve as a vital point of contact for policyholders during what can often be a stressful time, ensuring that the claims are navigated effectively and efficiently.

The other options involve different aspects of the insurance industry. Underwriting policies pertains to evaluating risks and determining the terms of coverage, which is not the primary focus of a claims handler. Marketing insurance products deals with promoting insurance offerings and attracting new customers, a task that is distinct from claim processing. Setting premium rates involves calculations based on risk assessment and market conditions, which again falls outside the claims handler's purview. Therefore, the primary function of a claims handler is indeed processing insurance claims.