Channel Islands Adjusters Limited is an equal opportunities employer and actively promotes the progression of women in finance.  The chance to progress within the company is made available to all employees, with full support to attaining professional qualifications in loss adjusting and insurance. The same benefits are available with no gender discrimination regarding salaries or career opportunities.

Channel Islands Adjusters Limited are committed to maintaining 50% of the board of directors to be women until 2022.



Richard Headington

Richard Headington


Managing Director

Richard is a Chartered Loss Adjuster and a Chartered Insurance Practitioner and has worked in the insurance industry since 1985. Richard has also attained the BDMA Ins Tech qualification.

Having previously been Channel Islands Manager for two major loss adjusting firms, Richard formed Channel Islands Adjusters with his wife, Julie-anne, in 2004.

Richard specialises in dealing with major and complex property claims and also handles liability, subsidence, Contractors’ All Risks, Latent Defects and Contract Works claims.

Julie-anne Headington

Julie-anne Headington


Finance Director

From a background in business studies and accountancy, Julie-anne began her insurance career in 1990. With qualifications in accountancy and both a Chartered Loss Adjuster and Chartered Insurance Practitioner, Julie-anne has the expertise to deal with large and complex claims.

Julie-anne is also a member of the Executive Board of the Chartered Institute of Loss Adjusters; is the Chair of the Examination Committee and is passionate about the promotion of CILA exams to enhance the reputation of the insurance industry.

Tracy Le Page

Tracy Le Page


Office Manager

With nine years’ experience in property management prior to joining Channel Islands Adjusters, Tracy's ability to work under pressure is crucial. Tracy is currently studying for the Chartered Institute of Loss Adjusters certificate examinations. 

As the Office Manager, Tracy is essential to the smooth and efficient running of the office. Tracy is also our events organiser and assists with marketing and PR, along with client liaison.

Josh Smith

Josh Smith


Associate Director

Having commenced his career in insurance in 2007, Josh has extensive experience in claims handling and customer liaison.  Josh attained Chartered Loss Adjuster status in December 2019.  Josh was instrumental in developing the Chartered Institute of Loss Adjusters' mentoring programme to assist future loss adjusters in achieving their qualifications.

Since this time Josh has attained the British Damage Management Association Insurance Technician qualification and the Chartered Insurance Institute Diploma in Insurance.

Josh's commitment to further enhance his knowledge is invaluable.