An adjuster is someone who settles insurance claims. This usually includes investigating losses and determining the extent of coverage. In the context of first party insurance (eg property insurance), the adjuster negotiates a settlement with the policyholder. In liability insurance, the adjuster coordinates the insured’s defense and participates in settlement negotiations. Adjusters can be employees of the insurer (in-house adjusters) or independent adjuster bureaus (independent adjusters), which represent insurers and self-insurers on a contractual basis. Government adjusters are consultants who specialize in helping policyholders make claims against insurance companies in a way that maximizes their recovery.