Claims Adjuster - Remote Inspections

Claims Adjuster II
Fully Remote • MO - Columbia, MO 65202
Category Insurance
This position may be eligible for annual merit increases and participation in our bonus program.
Join our team as a Claims Associate II. In this position, you will be responsible for handling moderately complex commercial claims including property, auto, general liability, or workers' compensation that may involve legal representation.
At Columbia Insurance, we believe our people are the heart of our success and our greatest strength. Our vision is to lead the industry in people first partnerships. Medical, Dental, and Vision coverage

• Generous paid time off (PTO), paid company holidays, paid maternity/paternity leave, and supplemental sick leave
• Our legacy has roots back to 1889 when we first became part of the mutual insurance movement in the Midwest. Today, our extensive heritage resonates nationwide, as we proudly serve customers in 14 states across the country.

The Claims Adjuster II handles moderately complex commercial claims including property, auto, general liability, or workers' compensation that may involve legal representation. This role involves independent investigation, coverage interpretation, liability analysis, and damage evaluation in various state jurisdictions. You will work closely with internal and external partners to resolve claims promptly, fairly, and within authority limits, using modern claims technologies and best practices.
Handle a diverse caseload of minor to moderate commercial claims (property, liability, auto, or workers' comp) through final resolution.
Conduct in-depth coverage analysis involving manuscript policies, endorsements, and exclusions.
Investigate and determine liability by collecting statements, evidence, coordinating expert inspections, and reviewing contracts and statutes.
Establish and adjust reserves as warranted to ensure accurate reserving commensurate with claim exposure.
Review all expense bills for appropriateness, accuracy and adherence to Company billing practices.
Perform detailed damage evaluations, including moderate property damage or bodily injury claims.
3-5 years of experience handling commercial claims.

• Strong technical understanding of commercial policies and coverage analysis, with experience handling some minor to moderate coverage matters.
• Proficient in policy interpretation, exposure analysis, and jurisdictional claims practices across multiple states.
• Excellent negotiation, analytical, and customer service skills.
• Technical knowledge of commercial insurance laws, regulations, and best practices.
• Outstanding customer service, attention to detail, and multi-tasking skills.
• Strong computer skills, including a strong knowledge of Microsoft applications (Outlook, Word, Excel)
• Strong working knowledge of claims technology platforms.
• Must have a valid adjuster license in designated home state (or willing to obtain one within 60 days after hire) with the ability to obtain additional non-residential adjuster licenses.
• Ability to exercise independent judgment with limited to moderate supervision in handling claims within reserve and settlement authority.
• Ability to travel, as necessary.

Bachelor's Degree or equivalent experience

Columbia Insurance prohibits discrimination and harassment of any type and affords equal employment opportunities to employees and applicants without regard to race, color, religion, sex, sexual orientation, gender identity or expression, pregnancy, age, national origin, disability status, genetic information, protected veteran status, or any other characteristic protected by law.