Claims Examiner Personal Lines

Your Role You’ll play a critical role in evaluating coverage, liability, and damages for each unique claim. You’ll collaborate across teams and with external stakeholders to effectively investigate, negotiate, and resolve claims. Key Responsibilities Coverage review: Confirm coverage by reviewing the first notice of loss and policy details; prepare DISCLAIMERS and reservation of rights letters as necessary. Thorough investigation: Conduct detailed investigations into claims, including liability and damages assessment, witness interviews, scene inspections, and evidence collection. Independent adjusters: Retain and provide directions to independent adjusters while managing all aspects of the investigation process. Liability analysis: Apply statutory and case law to evaluate liability exposure and ensure joint tortfeasors contribute their fair share. Reserve maintenance: Maintain accurate reserves reflecting liability and damages as claims develop. File management: Proactively manage claim files, negotiate settlements directly with claimants or attorneys, oversee defense counsel, and ensure effective litigation management. Reporting: Prepare comprehensive reserve authority requests, reinsurance reports, serious loss reports, and coverage position letters. Cross-team collaboration: Provide updates and collaborate with underwriting, compliance, and actuarial teams to maintain healthy products. What You’ll Bring Problem‑solving skills: Analytical and creative problem‑solving capabilities with a focus on liability and damage evaluation. Communication: Strong oral and written communication skills to effectively interact with all stakeholders. Negotiation expertise: Assertive decision‑making with effective negotiation and conflict management skills. Organization: Strong organizational and time management skills to manage multiple priorities efficiently. Technical knowledge: Familiarity with insurance coverage, negligence law, and claim evaluation processes. Qualifications 2+ years of relevant experience for Associate Claims Examiner. 7+ years of relevant experience for Claims Examiner. Previous experience as an examiner, adjuster, paralegal, attorney, or in other transferable roles. Personal lines experience: Experience in personal lines claims handling is preferred. Liability and jurisdiction knowledge: Multi‑jurisdictional experience and advanced degrees or JD are a plus. Work Arrangements Position affords 5 days per month to work remotely. Salary Range Associate Claims Examiner: $65K - $95K; Claims Examiner: $85K - $115K Benefits Competitive salary and benefits program for full‑time and eligible part‑time employees. Benefits include performance‑based triannual bonuses, medical benefits paid at 100% for full‑time employees and 80% for eligible part‑time employees, a profit‑sharing program, free lunch every day while onsite, and more than 450 annual personal and professional development courses. #J-18808-Ljbffr USLI