Claim Representative - Auto Physical Damage (Hybrid)

Job Description

Job Description

Our employees are at the heart of what we do: helping people, businesses and society prosper in good times and be resilient in bad times. When you join our team, you are bringing this purpose to life alongside a passionate community.

Feel empowered to learn and grow while being valued for who you are. At Intact, we commit to supporting you in reaching your goals with tools, opportunities, and flexibility. It’s our promise to you. 

Who we are

At Intact Insurance, we are experts at what we do in protecting what makes businesses unique. Our deep understanding of the specialty insurance market is the foundation for our customized solutions, backed by targeted risk control and claims services. Our employees are passionate about providing insurance coverage that’s aligned to our targeted customer groups.

Intact’s Global Specialty Lines business spans across more than 20 verticals in four distinct markets: U.S., Canada, UK and Europe. The following opportunity is for our U.S. team.

The opportunity

We currently have an opportunity for a Claim Representative to join our Claims - Auto Physical Damage team based in our in our Alpharetta, GA; Blue Bell, PA; Boston, MA; Chicago, IL; Denver, CO; Farmington, CT; Raleigh, NC; Plymouth, MN or New York City, NY offices on a hybrid schedule. Under technical direction and within specific, limited authority provides efficient and effective disposition of assigned claims through timely investigation, evaluation, and negotiation. Independently operates within parameters to accurately resolve lower exposure claims. Recommends and implements action plans for settlement of claims exceeding authority level.

Claims require comparative negligence decisions and use of tools; generally does not involve bodily injury claims. Some of the Claim Representative responsibilities include but are not limited to:

• Conducting timely contacts and investigations to determine coverage, assess liability, and evaluate damages.
• Reviewing policy language, endorsements, certificates of insurance, and applicable contracts to identify available coverage and exposures.
• Obtaining and analyzing statements, reports, photographs, estimates, and other documentation necessary to support claim decisions.
• Establishing, monitoring, and adjusting claim reserves to accurately reflect claim exposure throughout the life of the file.
• Coordinating with internal and external resources, including independent adjusters, appraisers, repair facilities, legal counsel, and other vendors as appropriate.
• Identifying potential fraud indicators, coverage concerns, subrogation opportunities, and taking appropriate action when identified.
• Negotiating and resolving claims within delegated authority while ensuring compliance with company guidelines and regulatory requirements.
• Documenting claim activity thoroughly and maintaining proactive communication with all involved parties.
• Maintaining knowledge of state licensing requirements, industry trends, and continuing education expectations.

The expertise you bring

• Bachelor’s degree preferred or equivalent claims technical experience required. 
• 1-3 years of claims experience.
• Heavy Equipment experience desired.
• Working knowledge of coverage investigations, liability analysis, damages evaluation, and claim negotiation.
• Strong analytical, organizational, and decision-making skills.
• Excellent verbal and written communication abilities.
• Ability to manage multiple priorities in a fast-paced environment while maintaining attention to detail.
• Active adjuster licenses or the ability to obtain required licenses as needed.

Preferred Qualifications

• Prior experience handling auto physical damage claims, trucking, fleet, or specialty vehicle claims.

• Familiarity with policy interpretation, subrogation, and coverage analysis.

• Experience collaborating with brokers, agents, and insureds.

Our salary ranges are determined by many factors including location, role, experience and skillset of the candidate. The following ranges displayed reflect the target base salary for new hires; however, your recruiter will provide more specific compensation details during the hiring process. The typical base salary range for this position is: $62,000 – $88,000, based on the factors aforementioned. For candidates located in San Francisco, CA; Washington DC; our Massachusetts based offices and the New York City metro area, the base salary range is $79,000 -$91,000. In addition to base salary, full time Intact employees are also eligible for bonus potential and a full range of benefits to include but not limited to:

• Comprehensive medical, dental and vision insurance with no waiting period
• Competitive paid time off programs
• 401(k) savings and annual contributions of up to 12% of annual salary
• Mental health support programs, life and disability insurance, paid parental leave and a variety of additional voluntary benefits

This position will remain posted until a final candidate is selected. Once the role is filled, this job posting will be removed.    

Why choose Intact

We live our Values:  We are committed to acting with the highest of ethical standards through our five core values: integrity, respect, customer driven, excellence and social responsibility.

Our commitment to Diversity: Founded in our values, we see diversity as a strength and aspire to create an environment where everyone can be themselves, grow and succeed. Together, we will stand up for what’s right to build an inclusive society.

Manage your Time: What you accomplish matters more than hours in the office. We are committed to creating a positive and supportive environment in which you perform your best. Our Time-Off and Flexible Work Arrangement options help foster a healthy work-life balance. 

Check out our Glassdoor reviews to see why people love working for Intact!

Our promise to you

Our Values are foundational to our success at Intact. You’ll make a difference every day when you live our Values, do your best work, are open to change, and invest in yourself.

In return, we promise you support, opportunities and performance-led financial rewards in a flexible work environment where you can:

• Shape the future: Help us lead an insurance transformation to better protect people, businesses and society.
• Win as a team: Collaborate with inspiring people to do your best work every day and together, stand up for what is right.
• Grow with us: Refresh and reinvent your skills, learn from our diverse teams, lift others up, and grow.

About Intact 

At Intact Insurance we are experts at what we do. Our deep understanding of the specialty insurance market is the foundation for our customized solutions, backed by targeted risk control and claims services. Our employees are passionate about providing insurance coverage that’s aligned to our targeted customer groups. Today, we help protect over a dozen industries with tailored coverages and services.

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