Inland Marine & Cargo Claims Examiner

Raphael & Associates is a globally recognized third-party claims administrator and independent claims adjusting firm, known for delivering exceptional service. We understand the importance of staying agile in a dynamic market and pride ourselves on tailoring our solutions to meet the unique needs of each client. While the work we do as a claims organization is complex, our mission is clear: to deliver outstanding service, attract and retain top-tier professionals, and leverage industry-leading technology to drive results.

Join Our Team
As a leader in the industry, we offer dynamic and rewarding career opportunities for individuals who are driven to make an impact. Our culture is built on collaboration, innovation, and a shared commitment to excellence. We value professionals who bring creativity, vision, and a proactive, results-oriented mindset.
We are seeking experienced, motivated, and forward-thinking individuals to join our team and contribute to our continued success.

The Opportunity
The Commercial Transportation Inland Marine & Cargo Claims Examiner is responsible for investigating, evaluating, negotiating, and resolving claims involving commercial vehicles and equipment that are damaged while in the care, custody, or control of transportation-related businesses, including truck repair facilities, fleet maintenance operations, towing and recovery companies, storage facilities, body shops, dealerships, and commercial service providers. The examiner determines coverage, assesses liability, manages claim exposures, and ensures claims are resolved in accordance with policy provisions, regulatory requirements, and company standards.

Key Responsibilities

• Investigate Commercial Transportation claims specifically to Inland Marine and Cargo, involving physical damage to trucks, tractors, trailers, buses, commercial fleets, and specialized transportation equipment.
• Review policy language to determine coverage applicability, exclusions, limits, deductibles, and endorsements.
• Evaluate liability associated with losses occurring while commercial vehicles are under the care, custody, or control of insured garage operations.
• Obtain and analyze repair estimates, maintenance records, inspection reports, photographs, contracts, invoices, and statements from insureds, claimants, and witnesses.
• Coordinate inspections with appraisers, heavy equipment specialists, engineers, salvage vendors, and independent adjusters.
• Assess damages involving commercial vehicles, cargo-related equipment, specialized transportation units, and fleet assets.
• Establish and maintain appropriate claim reserves based on exposure and severity.
• Negotiate settlements with insureds, fleet owners, repair facilities, attorneys, and third-party claimants within established authority levels.
• Identify and pursue subrogation opportunities against responsible parties, manufacturers, vendors, or contractors.
• Manage litigation and work closely with defense counsel on disputed liability or coverage matters.
• Detect and escalate potentially fraudulent claims for special investigation.
• Maintain accurate claim documentation and diary management in compliance with company procedures and regulatory requirements.
• Deliver timely and professional customer service to insureds, brokers, agents, fleet managers, and transportation industry stakeholders.
• Participate in claim audits, training initiatives, and process improvement efforts.

Qualifications

• 3–7 years of commercial auto, transportation, trucking, garage liability, garage keepers, heavy equipment, or property damage claims handling experience.
• Experience handling heavy truck, fleet, towing, recovery, repair facility, dealership, or transportation service claims.
• Strong knowledge of Commercial Transportation insurance coverages, Inland Marine & Cargo Legal Liability, Garage Liability, Commercial Auto, and Garage Keepers policies.
• Understanding of trucking operations, fleet maintenance practices, vehicle repair processes, and transportation industry exposures.
• Experience handling moderate to complex claims involving commercial vehicles and transportation service operations.
• Strong investigative, analytical, negotiation, decision-making skills and litigation management experience.
• Excellent written and verbal communication abilities.
• Proficiency with claims management systems and Microsoft Office applications.

Core Competencies

• Commercial Transportation Claims Expertise
• Inland Marine and Cargo Coverage Analysis
• Liability Investigation
• Commercial Vehicle Damage Assessment
• Reserve Management
• Negotiation and Settlement
• Subrogation and Recovery
• Litigation Management
• Regulatory Compliance
• Customer and Broker Relations
• Critical Thinking and Problem Solving

Benefits and Perks
We are an organization that values and recognizes the contributions of our team members. We offer competitive compensation and benefits package commensurate with experience, including base salary, performance-based incentives, paid time off, comprehensive medical, dental, vision, and life insurance, as well as a 401(k) plan with company matching.

Raphael & Associates is an Equal Opportunity Employer. We are committed to building an equitable, collaborative and diverse workforce throughout our organization by providing equal employment opportunities to all employees and applicants without regard to race, color, religion, sex, national origin, age, disability, genetic information, veteran status, or any other legally protected characteristic. This policy extends to all aspects of our employment practices, including but not limited to, recruiting, hiring, discipline, terminations, promoting, transferring, compensation, benefits, training, leave of absence, and other terms, conditions, and benefits of employment.

The above is intended to describe this job's general requirements. It is not to be construed as an exhaustive statement of duties, responsibilities, or physical requirements. Nothing in this job description restricts management's right to assign or reassign duties and responsibilities to this job at any time. Reasonable accommodations may be made to enable individuals with disabilities to perform essential functions.