Senior Claims Examiner- Property

Job Type: Permanent

Build a brilliant future with Hiscox

Position: Senior Claims Examiner- 1st Party Property

Team: 1st Party Property

The Role:

The Senior Claims Adjuster adjudicates assigned claims within given authority and provides operational support to the claims team. This person also:

• Adjusts and resolves moderate to complex claims that includes all phases 1st Party commercial claims for our Property Team
• Accurately reviews and assesses coverage for all losses
• Completes full in depth investigations to confirm how coverage is relevant and applies it to the loss
• Manager business income losses and period of restoration
• Accurately documents claim files with all relevant claim documentation, correspondence and notes in compliance with company policies and applicable regulatory authorities
• Accurately assesses reserves for indemnity and expense payments
• With minimal supervision, drafts coverage letters, including reservation of rights and denial letters
• Identifies emerging exposures and claims trends
• Drives 1st Party Best Practices to manage expense and exposure on losses
• Has a high level of customer service
• Identifies suspected fraudulent claims and tracks with special investigations unit
• Participates in Claims Projects as needed

The Team:

The US Claims team at Hiscox is a growing group of professionals working together to provide superior customer service and claims handling expertise. The claims staff are empowered to manage their claims within given authority to provide fair and fast resolution of claims for our insured and broker partners. With strong growth across the US business, the Claims team is focused on delivering profitability while reinforcing Hiscox’s strong brand built on a long history of outstanding claims handling.

Requirements:

• 3+ years of 1st Party Commercial claims handling experience
• Advanced knowledge of claims analysis and adjusting practices
• Experience with litigated claims In depth knowledge of standards for claims documentation
• Proven ability to actively and effectively negotiate settlement of moderate to complex claims
• Experience in mentoring and training other claims examiners
• Advanced analytical skills Strong verbal and written communication skills
• Active insurance adjuster’s license
• B.A./B.S degree from an accredited College or University preferred

Additional Factors Considered:

• Subject matter expertise
• Demonstrated take charge attitude and ability to work with minimal oversight within their authority levels
• Identifies and suggests improvements to processes within the claims department and raises with manager

Hiscox Values:

At Hiscox our spirit is in Challenging Convention and everything we do is guided by our Values.

• Courage: Dare to take a risk
• Ownership: Passionate, commercial and accountable
• Integrity : Do the right thing, however hard
• Connected: Together, build something better
• Human: Clear, fair and inclusive

What Hiscox USA Offers:

• Competitive salary and bonus (based on personal & company performance)
• 401(k) with competitive company matching
• Comprehensive health insurance, vision, dental and FSA plans (medical, limited purpose, and dependent care)
• Company paid group term life, short- term disability and long-term disability coverage
• 24 Paid time off days, 2 Hiscox Days, 10 paid holidays, and ability to purchase 5 PTO days
• Paid parental leave
• 4 week paid sabbatical after every 5 years of service
• Financial Adoption Assistance and Medical Travel Reimbursement Programs
• Annual reimbursement up to $600 for health club membership or fees associated with any fitness program
• Company paid subscription to Headspace to support employees’ mental health and wellbeing
• Recipient of 2024 Cigna’s Well-Being Award for having a best-in-class health and wellness program
• Dynamic, creative and values-driven culture
• Modern and open office spaces, complimentary drinks

**Please note that this position is hybrid and requires two (2) days in our office weekly**

Salary range: $85-$95k

The actual salary for this position will be determined by a number of factors, including the scope, complexity and location of the role; the skills, education, training, credentials and experience of the candidate; and other conditions of employment

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