Claims Representative Senior - Liability (Large Loss)

In this role, you’ll investigate and resolve all high exposure insurance claims in an efficient and accurate manner. You’ll independently manage a caseload, negotiate settlements, and communicate effectively with policyholders, vendors, and other stakeholders. You’ll leverage your strong analytical, decision-making, and problem-solving skills to determine liability and ensure fair claim resolutions. You’ll proactively work to manage complicated coverage, negligence, and damage issues.

This position will be located in Sentry's Stevens Point, WI, Davenport, IA, Middleton, WI, El Paso, TX, Goldsboro, NC, Richmond, VA, or Nashville TN office locations under our hybrid work model.

What You'll Do:

As a Claims Representative Senior - Liability in our Large Loss Unit, you’ll provide superior service by conducting prompt claim investigations,  which includes evaluating coverage, determining liability, and settlement of damages.  In addition, you will:

• Support customers with empathy and understanding, assisting them through difficult situations and effectively communicating the claims process, the ongoing claim status, and decisions, including the reasoning behind them.

• Verify coverage by thoroughly reviewing the policy and interpretating policy terms, conditions, and language. This may require working with coverage counsel on complex policy or contract interpretation up to and including the filing of declaratory judgments. Deny coverage where coverage doesn’t exist.

• Evaluate liability by taking recorded statements from involved parties and witnesses, reviewing police reports, and compiling other pertinent evidence. Negotiate or deny liability based on the investigation outcome.

• Evaluate physical damage and bodily injury claims based on estimates, photographs, appraisals, medical reports, medical bills, and other evidence. Work closely with medical providers, repair shops, automobile appraisers, and/or contractors to facilitate necessary and related services or repair work.

• Establish timely reserves based on the ongoing liability and damage assessments. Negotiate property damage and bodily injury settlements with policyholders, claimants or attorneys, and other insurance carriers to resolve matters within the evaluation. Timely pay claims within assigned authority limits.

• Manage a case load of files, most of which will be bodily injury files of mid–level severity and complexity, which may include Sentry Early Warning System (SEWS) level injuries. Work with legal counsel and the insured to appropriately review and handle complex time limited demands and the defense of litigated files.

• Comply with industry regulations, legal requirements, and internal policies through thorough documentation of all decisions, correspondence, and discussions that occur throughout the life cycle of the claim

What It Takes:

• Bachelor’s degree or related experience

• 3+ years of related work experience

• Thorough claims knowledge of claims and claims processes

• Ability to review and analyze complex documents, insurance policies, coverages, medical reports, and insurance regulations

• Ability to make appropriate claim decisions, prioritize, and manage workload

• Demonstrated effective verbal and written communication skills

• Ability to handle conflict and negotiate resolutions

• Technology aptitude

What You'll Receive:

At Sentry, your total rewards go beyond competitive compensation. Below are some benefits and perks that you’ll receive.

• Sentry is happy to offer flexibility through a scheduled Hybrid work model. Monday and Friday work from home if you choose to, Tuesday through Thursday you’ll work in office.

• As a Sentry associate, you will have an in-office workspace and materials for your home office. In addition to the laptop, you will receive prior to your start, Sentry will provide equipment for your home office. 

• Meal Subsidy available for associates who report to an office.

• 401(K) plan with a dollar for dollar match on your first eight percent, plus immediate vesting to help strengthen your financial future.

• Continue your education and career development through Sentry University (SentryU) and utilize our Tuition Reimbursement program

• Generous Paid-Time Off plan for you to enjoy time out of the office as well as Volunteer-Time off

• Group Medical, Dental, Vision, Life insurance, Parental leave, and our Health and Wellness benefits to encourage a healthy lifestyle.

• Well-being and Employee Assistance programs