Claims Examiner - Property

Job Title Claims Examiner – 1st Party Property Job Type Permanent The Role Adjudicates assigned claims within given authority and provides operational support to the claims team. Adjusts and resolves moderate claims that includes all phases of 1st Party commercial claims for our Property Team. Accurately reviews and assesses coverage for all losses. Completes full in depth investigations to confirm how coverage is relevant and applies it to the loss. Manages smaller business income losses and the period of restoration. Accurately documents claim files with all relevant claim documentation, correspondence and notes in compliance with company policies and applicable regulatory authorities. Accurately assesses reserves for indemnity and expense payments. With minimal supervision, drafts coverage letters, including reservation of rights and denial letters. Drives 1st Party Best Practices to manage expense and exposure on losses. Has a high level of customer service. Identifies suspected fraudulent claims and tracks with special investigations unit. Participates in Claims projects as needed. Requirements 1+ years of 1st Party Commercial claims handling experience. Advanced knowledge of claims analysis and adjusting practices. In depth knowledge of standards for claims documentation. Proven ability to actively and effectively negotiate settlement of moderate to complex claims. Strong analytical skills. Strong verbal and written communication skills. Active insurance adjuster’s license preferred. B.A./B.S degree from an accredited College or University preferred. Additional Factors Considered Subject matter expertise. Demonstrated take charge attitude and ability to work with minimal oversight within their authority levels. Identifies and suggests improvements to processes within the claim department and raises with manager. Team The US Claims team at Hiscox is a growing group of professionals working together to provide superior customer service and claims handling expertise. The claims staff are empowered to manage their claims within given authority to provide fair and fast resolution of claims for our insured and broker partners. With strong growth across the US business, the Claims team is focused on delivering profitability while reinforcing Hiscox’s strong brand built on a long history of outstanding claims handling. Hiscox Values Courage: Dare to take a risk. Ownership: Passionate, commercial and accountable. Integrity: Do the right thing, however hard. Connected: Together, build something better. Human: Clear, fair and inclusive. What Hiscox USA Offers Competitive salary and bonus (based on personal & company performance). 401(k) with competitive company matching. Comprehensive health insurance, vision, dental and FSA plans (medical, limited purpose, and dependent care). Company paid group term life, short‑term disability and long‑term disability coverage. 24 paid time off days, 2 Hiscox Days, 10 paid holidays, and ability to purchase 5 PTO days. Paid parental leave. 4‑week paid sabbatical after every 5 years of service. Financial Adoption Assistance and Medical Travel Reimbursement Programs. Annual reimbursement up to $600 for health club membership or fees associated with any fitness program. Company paid subscription to Headspace to support employees’ mental health and wellbeing. Recipient of 2024 Cigna’s Well‑Being Award for having a best‑in‑class health and wellness program. Dynamic, creative and values‑driven culture. Modern and open office spaces, complimentary drinks. Hybrid – requires two (2) days in the office weekly. Salary Range $70,000 – $85,000 #J-18808-Ljbffr HICIX Hiscox Insurance Company Inc.