Property & Casualty Insurance - Casualty Claims Adjuster

Midwest Family Mutual Insurance Company is looking for an experienced Casualty Claims Adjuster to handle personal and commercial general liability claims across multiple states. You'll own your own files from investigation through resolution, making coverage, liability, and settlement decisions with real financial and legal impact. This is a fully remote role for an independent, decisive adjuster who stays composed under pressure and takes pride in a well-documented, well-reasoned file.

Position Summary

Investigates, evaluates, and resolves personal and commercial general liability claims across multiple jurisdictions. Works independently in a remote environment, managing a substantial caseload. Makes coverage, liability, and settlement decisions that directly affect the Company's financial, legal, and regulatory exposure. The role requires sustained judgment, composure, and decisiveness under pressure, as decisions carry significant consequences, deadlines are often firm and beyond the company’s control, and much of the work involves parties who are adversarial or in distress.

Responsibilities

• Investigate liability claims, including taking recorded statements and gathering and reviewing evidence, medical records, and police and accident reports.
• Analyze policy language and coverage issues across commercial general liability, businessowners, construction defect, and commercial auto/motor carrier claims, and communicate coverage positions in writing.
• Evaluate liability, damages, and exposure, and set and adjust reserves as claims develop.
• Negotiate and resolve claims within your authority, and prepare evaluations and settlement authority requests for management.
• Manage litigated files by assigning and directing defense counsel, reviewing litigation plans and budgets, and setting strategy.
• Represent the company at mediations, settlement conferences, and trials, which may occasionally require work outside normal hours.
• Meet state-mandated claim-handling timelines, court deadlines, and time-limited demands while managing a high-volume caseload with shifting priorities.
• Communicate clearly and professionally with insureds, claimants, agents, and attorneys, including in difficult conversations involving serious injury, death, coverage denials, or reservations of rights.
• Keep complete, accurate claim files and follow internal controls, authority levels, and fair claims practices requirements in each state you handle.
• Actively support and strengthen MFM's FITTED culture by demonstrating our core values in daily interactions, decision-making, collaboration, and customer service.

• 5+ years of casualty adjusting experience.
• Strong working knowledge of personal and commercial insurance coverage.
• Sound, independent judgment and the ability to make timely decisions with incomplete or conflicting information.
• Excellent organization, time management, and attention to detail.
• Strong written and verbal communication skills.
• Comfort working independently and as part of a remote team, including receiving file audits and feedback.
• Proficiency with Microsoft Office and strong keyboarding and technology skills.

Preferred

• Multi-state adjusting experience.
• Experience with construction defect, businessowners liability, or commercial auto and motor carrier claims.
• College degree.
• Insurance designations such as CPCU, AIC, or SCLA.

What the work is like

This role carries significant responsibility. Many deadlines are set by statute, courts, or claimants and can't be moved, and the caseload can change quickly based on claim activity. You'll regularly review distressing material, such as injury photos and medical records, and work with people who are upset or adversarial. If you're energized by owning complex decisions and seeing them through, you'll do well here.

Remote work requirements

• A dedicated home office space.
• A wired high-speed internet connection.
• Regular availability during Central Time Zone business hours.
• Extended computer and phone use.

Why MFM?

At MFM, how we work matters just as much as what we accomplish. Our FITTED values guide everything we do, from how we serve our agents and customers to how we support each other. You'll join a team that encourages new ideas, trusts you to take ownership, and treats colleagues like family. Here, you'll find meaningful work, room to grow, and a culture where doing things the right way is simply how we operate.

Wages & Benefits

We know great people deserve great benefits. That's why we offer a comprehensive total rewards package that supports you and your family both at work and beyond. This includes: 

• Competitive salary based on your skills and experience
• Medical, dental, vision, and 24/7 telemedicine, plus HSA, FSA, and dependent care accounts
• Paid time off, 9 paid holidays, and paid time for continuing education and volunteer work
• Company-paid life insurance, with optional supplemental coverage
• 401(k) with company match and a defined benefit pension plan
• Up to $850/year in wellness incentives, an EAP, and charitable donation matching

PI28caee289d9e-30492-42137671