Experienced Bodily Injury Liability Claims Adjuster

We are a proven provider of specialty insurance products and services looking for Inside Bodily Injury Liability Adjusters who are ready to step into our fast-paced energetic environment and drive results while providing exceptional customer service.  

We are looking for individuals interested in learning our business, growing their expertise, and becoming a future leader. 

As an experienced Bodily Injury Liability Claims Adjuster, you will manage a assigned case load of moderate to highly complex and catastrophic bodily injury and/or property liability claims on various products from Commercial General Liability, Commercial Auto, Homeowners Liability with a typical exposure of up to $1M involving non-litigated matters from the investigation of the claim through the resolution.  This includes making decision about liability/compensability and negotiating settlements within the policy limits to protect our policy holder and client.  The role interacts with policy holders, claimants, plaintiff attorneys, coverage & defense counsel, and other third parties throughout the claims management process.  

Assurant values a diverse workforce where employees are treated with respect, are encouraged to contribute, and have the opportunity for career growth.  We offer company-subsidized group benefit plans (including health insurance eligibility on the first day of employment), discounted stock purchase plan, tuition reimbursement, and many additional benefits. 

Special Considerations:

May require working overtime and/or weekend hours.

An Adjuster’s license is required for states in which the Claims Adjuster performs their job.  If you do not currently possess the appropriate license(s), Assurant will assist you in obtaining the license within a specified timeframe and cover any related expenses. 

Primary Job Accountabilities/ Responsibilities:

Investigate and adjust claims according to applicable laws and policy provisions. 

• Manages an inventory of claims to evaluate compensability/liability.

• Establishes action plan based on case facts, nest practices, protocols, regulatory issues, and state laws.

• Maintains current knowledge of court decisions which may impact the claim on principles or practices.  This may require attendance at various seminars or training session.

• Plans and conducts investigations of claims to confirm coverage and to determine negligence, liability, compensability, and damages.

• Consults with defense counsel for discovery process, pre-lawsuit strategy related to case-specific issues.

• Assesses policy coverages and notifies insured of any issues; determines and establishes reserve requirements for both indemnity and expense on a regular basis and makes recommendations to set reserves at appropriate level for claims outside of authority level.

• Prepares comprehensive reports as required by Clients/Brokers and participates in meetings with Clients and Brokers on specific claims.

• Identifies and communicates specific claim trends and policy issues to management and underwriting.

• Manage the coverage and/or pre-litigation process through retention and monitoring of outside counsel.

• Assess actual damages associated with claims and conducts negotiations within assigned authority limits to settle claims.

• Proven interpersonal, analytical, and decision-making skills to effectively negotiate and settle claims.

• Demonstrated strong negotiation skills.

•  Knowledge of legal liability, joint & several laws required.

• Able to demonstrate abilities to be a self-starter and autonomous worker.

Basic Qualifications

• Bachelor’s degree

• Eight years of bodily injury liability claims handling experience

• Expert level knowledge of specific state contributory and comparative negligence laws and joint & several laws. 

• Excellent verbal and written skills to communicate internally and externally

• Excellent critical thinking and problem-solving skills

• Strong organizational and time management

• Ability to multi-task in a fast-paced environm