Property Claims Specialist

Who we are:
Through a partnership-based approach, Coterie helps insurance professionals unlock untapped revenue in the small commercial space. With an innovative quoting platform that delivers accurate pricing and bindable quotes in less than one minute, Coterie makes small business insurance effortless.


We are on a mission to build and foster a world-class team to bring speed, simplicity, and service to commercial insurance. We value integrity, humility, passion, and intelligence. If you want to push yourself and reshape a $200B+ market, we're excited to talk to you!

What will the Property Claims Specialist do?
Coterie is evolving its claims experience, and we need a Property Claims Specialist (100% Remote). You'll be working closely with our Property Claims Manager and others both internal and external stakeholders to development and build a world class claims organization. If you are a go-getter who has passion for commercial property and claims and want to change the insurance industry, we want to talk to you!


Core Hours Needed: Monday-Friday 8:00am-5:00pm (in your US time zone)

• Develop and implement strategy to drive resolution of Commercial Property claims of moderate to higher levels of severity and complexity, but may be required to handle volume
• Coordinate and collaborate with cross-functional Coterie team members on process, product, project, insurance, and other global enterprise initiatives
• Investigate claim and review the insureds' materials, documents, reports etc.
• Identify and assess coverage issues, draft coverage position letters, and retain coverage counsel, when necessary as well as review coverage counsel's opinion letters and analysis
• Develop and implement strategy relative to coverage issues which correlate with the overall strategy of matters entrusted to the handler's care
• Analyze coverage and damages for purposes of estimating, assessing and recommending reserves
• Maintain a diary of all claims, post reserves in a timely fashion, and expeditiously respond to claims inquiries from insured, counsel, underwriters, brokers, and senior management
• Negotiate resolution of claims
• Analyze, and direct initial risk transfer, subrogation action, additional insured issues, and contractual indemnity issues, to ensure equitable contribution across all claim stakeholders
• Prepare and present written/oral reports to senior management setting forth all issues influencing evaluation and recommending reserves

What we are looking for

• Ability to work regular work the core hours of Monday-Friday 8:00am-5:00pm in your time zone. Additional off hours may be needed pending business needs.
• 5+ years of work experience at an insurance company and/or insurance claims loss adjustment service provider resolving property and casualty claims.
• Considerable working knowledge of insurance industry and insurance claims operations particularly around commercial property and casualty claims, policy construction, ISO Commercial BOP forms.
• Proper adjuster licensing in all applicable states.
• Legal concepts and processes knowledge base
• Exceptional communication (written and verbal), influencing, evaluation, negotiating, listening, and interpersonal skills to effectively develop productive working relationships with internal/external peers and other professionals across organizational lines
• Strong time management and organizational skills
• Ability to take part in active strategic discussions
• Excellent collaboration skills, self-motivated and willing to take initiative
• Able to understand and synthesize day to day work within the team into trends, themes, successes and opportunities over periods of time
• Strong negotiation and persuasion abilities
• Exceptional interpersonal and client service skills
• Detail oriented and superior organizational skills
• Team player with the ability to collaborate with others
• Ability to work independently, with support, in a fast-paced, evolving environment
• Hands-on experience and strong aptitude with Microsoft Office

What will make you stand out:

• College degree (preferred)
• Previous experience supporting a business through explosive growth
• Quality Assurance (QA), Continuous Process Improvement (CPI), User Experience (UX/UI), Design Thinking, Lean, Agile, Project Management (PM), and/or Product Owner (PO) experience
• AIC and PTC designations a plus

Our interview process:

Our hiring process generally consists of 3 phases. The goal is to provide an opportunity for us to learn more about our candidates while allowing them to get to know us as well!

• Phase 1 : Qualified candidates will first meet with a member of our People Operations team for a phone interview. This discussion is a high-level conversation to understand more about your background and interests and for us to share more about Coterie and the position.
• Phase 2 : Selected candidates will be invited to meet with our Hiring Manager for a 2nd interview via Teams video. This interview is designed to be more detail oriented and allows you to learn more about the role and expected to be 30 minutes in length.
• Phase 3 : Top candidates will receive an invite for our final interview series via Teams video. This series will include an experiential exercise project (provided in advance) followed by a 1-hour panel interview with our claims team and a 1:1 interview with a member of our senior leadership team. The final series is roughly 1.5 hours in total but can be scheduled over a few days for flexibility.

What's in it for you:

Coterie has excellent benefits for all full-time employees. We offer the following:

• 100% remote
• Health insurance through Aetna (we pay 100% of premiums)
• Dental and vision insurance through Guardian (we pay 100% of premiums)
• Basic life insurance (we pay 100% of premiums)
• Access to flexible spending account (FSA) or health savings account (HSA) (for those using HSA eligible plans)
• 401K plan (up 4% match with immediate vest). Must be 21 years of age or older to participate
• Flexible PTO policy offering employees up to 4 weeks of PTO in their first 12 months. Thereafter, PTO usage aligns with company standards and typically does not exceed 5 weeks per calendar year.
• 12 company-paid holidays each year
• Continuing education annual stipend
• Annual salary estimated between 75,000-110,000 based on national data. Candidates who meet all the minimum requirements and possess additional relevant experience, as outlined in the job description, may be considered for a salary above the midpoint of the above range. Salary is based on internal equity; internal salary ranges; market data/ranges; applicant's skills; prior relevant experience; degrees or certifications, etc.

Work Authorization:
At this time, Coterie Insurance is unable to consider candidates who require current or future visa sponsorship. Applicants must have authorization to work in the United States without the need for sponsorship now or in the future. Falsification of an application, including work authorization status, is immediate grounds for dismissal from consideration.