Senior General Liability Claims Adjuster

Honeycomb InsuranceAt Honeycomb, we're not just building technology; we're reshaping the future of insurance.In 2025, Honeycomb was recognized by Dun & Bradstreet as "Top 10 Best Start Up Companies to Work For" in Israel, named by LinkedIn as "Top 10 Startups in Chicago", and Newsweek's "Greatest Startup Workplaces in America, 2025". Through the first half of 2026 we've been recognized on Inc. Magazine's "Best Workplaces" List and Forbes "Fintech 50".Honeycomb is a rapidly growing global startup, generously backed by top-tier investors and powered by an exceptional team of thinkers, builders, and problem-solvers. Dual-headquartered in Chicago and Tel Aviv (R&D center), and with 6 offices across the U.S., we are reinventing the commercial real estate insurance industry, an industry long overdue for disruption. Just as importantly, we ensure every employee feels deeply connected to our mission and one another.With over $100B in insured assets, Honeycomb operates across 23 states, covering more than 65% of the U.S. population and increasing its coverage.If you're looking for a place where innovation is celebrated, culture actually means something, and smart people challenge you to be better every day - Honeycomb might be exactly what you've been looking for.What You'll DoThe General Liability Claims Adjuster (Commercial) is responsible for managing all aspects of the claims process—from initial investigation through final resolution—while ensuring each claim is handled promptly, thoroughly, and fairly. This position involves evaluating and resolving claims arising from bodily injury, property damage, premises liability, and products/completed operations. The adjuster will oversee a caseload of moderate to complex matters, maintaining compliance with company best practices, policy provisions, and applicable legal standards. Collaboration with insureds, claimants, attorneys, and other key stakeholders is essential to achieving timely and equitable claim outcomes.Key Responsibilities:Review Claims Documentation: Evaluate photos, estimates, incident reports, contracts, and other materials submitted by insureds, claimants, or field adjusters to assess damages and determine the scope of loss.Investigate Liability: Conduct thorough investigations by obtaining statements, reviewing police and incident reports, identifying risk transfer opportunities, and analyzing evidence to determine liability and coverage applicability.Manage the Claims Process: Handle claims from initial notice through final resolution, ensuring timely action, accurate documentation, and adherence to company standards and best practices. Reporting to carriers based on client guidelines.Negotiate Settlements: Engage with insureds, claimants, claimant attorneys and vendors to negotiate equitable and timely settlements within assigned authority levels.Handle Litigated Claims: Collaborate with defense counsel to manage litigation, review pleadings and discovery, monitor case progress, and participate in mediations or settlement discussions as needed.Provide Exceptional Customer Service: Act as the primary point of contact for policyholders and claimants, delivering clear communication, guidance on coverage, and responsive support throughout the claims process.Maintain Detailed File Documentation: Accurately record all investigations, communications, analyses, and decisions in compliance with company procedures and regulatory standards.Ensure Regulatory and Procedural Compliance: Follow all company policies, state regulations, and industry standards in every phase of claims handling.Interpret Coverage: Analyze and apply policy language, endorsements, and exclusions to determine coverage and resolve claims appropriately. Prepare reservation of rights or appropriate coverage letters.Skills and Qualifications:Licensure: Independent Adjustor License in home state or a designated home state required, Texas or California preferred. California license must be obtained within 60 days of hire.Education: Bachelor's degree preferred.Experience: Minimum of 5 years of experience handling commercial general liability claims (habitational, premises, or commercial liability preferred). Prior experience handling litigated claims preferred. Change to required for senior position?Minimum of one year experience handling Directors & Officers claims - maybe not one year requirement but something about D&O coverage knowledge and or claims handling experienceKnowledge, Skills, & Abilities:Strong understanding of commercial general liability coverage forms and legal liability principles.Excellent written and verbal communication skills, including the ability to draft detailed coverage letters, evaluations and reports.Strong negotiation, analytical, and decision-making skills.Proficiency with claim management systems and Microsoft Office Suite.Ability to manage a diverse workload, prioritize effectively, and meet deadlines in a fast-paced environment.High degree of professionalism, integrity, and attention to detail.Work Environment: The General Liability Adjuster primarily works in an office setting and handles claims remotely, without field visits. This role involves working with departments, including claims, underwriting, and customer service teams, and insurance carriers to ensure smooth claim processing. This position is remote unless located within a reasonable commute from one of our offices (Chicago, Austin, Denver, Roseville). If near an office hub, the position is hybrid 3x / week (Normally in office Tuesday - Thursday).Physical Requirements:Ability to work at a desk for extended periods.Minimal travel may be required for training or occasional meetings.Benefits & Compensation:Salary range: $110,000 - $135,000, plus a target 5% annual bonusISO stock optionsMedical, dental, and vision coverage for you and your dependents401(k) Employer matchFlexible time off10 company-paid holidaysPaid family leaveHoneycomb is committed to fair and equitable compensation practices. The base salary range listed in each job posting represents our good faith estimate of what we expect to pay for the role. Actual compensation may vary based on skills, experience, education, and location, as well as internal alignment and market factors.