Claims Examiner - Commercial Auto

Sovereign Insurance; Halifax; Hybrid; CAD 61,000 - 101,000; Full time

Job summary

Sovereign Insurance in Halifax is seeking a claims professional to join the National Commercial Auto team. You will investigate, evaluate and determine coverage, negotiate settlements, and apply policy and legislation to deliver strong customer service.

With 2–5 years of commercial claims experience and a university degree, you will work in a hybrid model (in-office twice weekly) and may cross-train across Injury, Liability and Property lines as part of career development.

Qualifications

• Minimum 2–5 years of commercial claims experience.
• University degree/college diploma preferred in a related field.
• Experience with Commercial Auto (Bodily Injury, General Liability, Third Party Property Damage) is an asset.
• Knowledge of Policy Wordings and Claims Handling procedures.
• Chartered Insurance Professional (CIP) courses completed or in progress.

Responsibilities

• Directing, adjusting and examining coverages for Commercial Auto PD losses to determine coverage.
• Investigating claims within authority and guiding adjusters, vendors, and solicitors to meet standards.
• Demonstrating knowledge of insurance coverages, claims handling procedures and negotiation tactics.
• Maintaining appropriate reserving in line with corporate philosophy.
• Fostering relationships with internal and external contacts.

Skills

Commercial claims

Negotiation

Policy wordings

Investigation

Education

University degree/college diploma

CIP courses in progress

Job description

Company: Sovereign Insurance

Department: Claims

Employment Type: Regular Full-Time

Work Model: Hybrid (2 days in office)

Language: This role operates in English.

Additional Information: This/these role(s) is/are currently vacant

The Opportunity:

At Sovereign Insurance, a wholly owned subsidiary of The Co-operators General Insurance Company, we believe leadership is shaped by purpose, collaboration, and meaningful contribution. When you grow, we grow — your success crowns ours. We value diverse perspectives, bold ideas, and people who lift others up. Here, your initiative matters, and your efforts help build the resilience of the Canadian businesses and communities we serve. That shared commitment strengthens our culture and moves us forward — together. That’s the Crown Effect. As a member of the National Commercial Auto team, the successful candidate will investigate and evaluate commercial auto claims. The position is responsible for determining coverage available to policyholders and claimants, negotiation and settlement of claims and applying policy, legislation, and company guidelines to deliver superior customer service and manage loss costs. You will also have the opportunity to cross train on other lines of business, such as Injury, Liability and Property as part of your career development.

How you will create impact:

• Directing, adjusting and examining all varieties of conditions, provisions, exclusions, and endorsements to determine coverage for a variety of Commercial Auto Physical Damage losses.
• Investigating claims as assigned within authority and provide control and direction to adjusters, vendors, and solicitors to ensure adjusting standards and litigation protocols are adhered to.
• Demonstrating extensive knowledge of insurance coverages, claims handling procedures, investigation methods, and negotiation tactics.
• Maintaining appropriate reserving in line with corporate philosophy.
• Fostering and maintaining positive relationships with all internal and external contacts.

To join our team:

• Minimum 2-5 years of commercial claims experience is required.
• You have a University Degree/College Diploma preferred in a related field
• Experience handing Commercial Auto (Bodily Injury, General Liability, Third Party Property Damage) is an asset.
• Knowledge of Policy Wordings and Claims Handling procedures.
• You have completed or are working towards Chartered Insurance Professional (CIP) courses

How you will succeed:

• You thrive on delivering our exceptional client experience through positive and engaging relationships; embracing accountability to achieve effective results.
• You ensure your day to day actions are in harmony with the company’s purpose, vision, and values even when challenged.
• You are open and adaptable to changing conditions with a natural curiosity to explore and try new approaches.
• You value cooperative and collaborative dialogue because diverse perspectives offer more creative and productive solutions.

What you need to know:

• You will be subject to a Background check as a condition of employment, in the event you are the successful candidate.
• This position will operate on a hybrid work posture which will require an in-office presence of at least twice a week.
• Detail oriented work that requires a high degree of mental concentration for extended periods of time.

What’s in it for you?

• Room to grow with confidence — build your career, contribute your ideas, and see the impact of your work.
• A culture that values you — inclusive, collaborative, and respectful, where different perspectives are encouraged and heard.
• Rewards that recognize you and the work you do - competitive salary and variable compensation, benefits and pension, paid time off, development and recognition programs.
• Support for your well-being — a holistic approach to physical, mental, social, and financial wellness.
• Pride in purpose — being part of a Canadian organization dedicated to protecting Canadian businesses and the communities they serve while giving back through volunteering, donations, and national initiatives that help build a more sustainable future.

Expected salary/hourly range $60,574- $100,956

The salary amount for the successful candidate is determined by Sovereign in its discretion and will vary depending on several criteria including but not limited to: local market conditions, geography and relevant job-related factors such as knowledge, skills, qualification, experience and education.

Employees may also have the opportunity to participate in incentive programs and earn additional compensation tied to individual and/or business performance, or other business metrics.