Claims Examiner (Bodily Injury)

Job Description

Job Description

Are you an analytical, detail-oriented professional ready to take ownership of complex claims and build a meaningful career in insurance? Join Kinsale Insurance, a leading excess and surplus (E&S) lines carrier headquartered in Richmond, VA. We're known for our high-quality, high-touch approach and innovative, personalized solutions that help clients navigate complex risks — and we bring that same standard of excellence to how we develop and support our people.

About the Role

As a Claims Examiner, you'll play a key role in managing casualty claims from investigation through resolution. This position combines analytical thinking, strategic decision-making, and skilled negotiation to ensure fair and timely claim resolution. You'll work closely with experienced claims professionals and legal partners while handling a diverse portfolio of claims, including litigated claims. This is an excellent opportunity to deepen your expertise in a fast-paced, team-oriented environment that is committed to your learning and career growth.

What You'll Do

• Managing the full lifecycle of bodily injury liability claims under the guidance of a Claims Supervisor.
• Interpreting policy coverage and drafting clear, professional coverage correspondence.
• Communicating coverage determinations effectively to policyholders, brokers, and other stakeholders.
• Conducting thorough investigations to evaluate liability, damages, and exposure.
• Managing litigated claims, including appointing and directing defense counsel.
• Driving litigation strategy proactively toward efficient and fair resolution.
• Negotiating claims to resolution with sound judgment and strong business acumen.
• Participating in mediations, settlement conferences, and trials as needed.
• Maintaining accurate, well-documented claim files.

What You Bring

• Bachelor's degree in business, risk management, or a related field.
• Minimum of 2 years of professional work experience. Prior experience handling commercial liability claims involving bodily injury is preferred.
• Strong analytical, problem-solving, and critical thinking skills.
• Excellent written and verbal communication skills.
• Confident negotiation skills and sound decision-making ability.
• Superior organizational and time management skills with the ability to multitask effectively.
• Proficiency in Microsoft Office products (Word, Excel, Outlook, PowerPoint).
• A collaborative mindset and the ability to work cross-functionally.
• Experience directing investigations and working with defense counsel is a plus.
• Ability to analyze medical records, contracts (including risk transfer provisions), and litigation documents is a plus.
• Adjuster licenses or industry designations are a plus.

Why You'll Love Working at Kinsale

• Competitive Pay & Bonus Opportunities – Rewarding performance and initiative.
• Comprehensive Benefits – Health, dental, and vision insurance with up to $3,600 (individual) or $7,000 (family) in HSA contributions per year.
• Work-Life Balance – Generous paid time off including 22 days of PTO and 10 paid company holidays.
• Career Growth – Clear promotion paths, mentorship, and ongoing professional development.
• Retirement & Security – Up to 6% matching 401(k) contributions on base salary and bonus, standard life insurance, and disability coverage.
• Continuous Learning – Annual $3,000 reimbursement for educational training and certifications.

Integrity & Responsibility

Kinsale values strong financial responsibility. A credit check will be conducted as part of the selection process for roles that require sound judgment, trustworthiness, or access to sensitive information.

Ready to Apply?

If you're motivated, analytical, and ready to make an impact in the dynamic world of E&S insurance, this is your opportunity. Join Kinsale Insurance and grow your career in a company that rewards initiative, collaboration, and excellence.

Apply today and start building your future with us!

Salary Range: $73,000 - $90,000

This posted range is our best estimate; starting salaries may vary. Additionally, the posted range reflects only base salary and does not include annual bonuses, benefits, or reimbursements.