Claims Representative III, Commercial Property- Subrogation

Intact FC; Mississauga; Hybrid; CAD 81,000 - 99,000; Full time

Benefits offered by this job

Employee referral bonus

Job summary

Intact in Mississauga, Ontario, is seeking a Claims Representative III, Subrogation to handle investigations, negotiations and settlements of commercial and personal lines subrogation claims.

You will provide quality service, coordinate with adjusters and attorneys, and ensure timely recovery in line with corporate standards. The role supports a hybrid work model and demands strong communication and negotiation abilities.

Qualifications

• Minimum 5+ years property, casualty claims and/or subrogation handling experience.
• Experience in handling litigation files in both Small Claims Court and Superior Court an asset.
• Excellent written and verbal communication skills.
• Strong time management skills.
• Superior negotiation skills.
• University degree or any combination of training and experience deemed relevant for the role.
• Completed or are working toward a Chartered Insurance Professional (CIP) designation

Responsibilities

• Investigate losses with moderate to high complexity. Ensure prompt and equitable recoveries in line with Intact's corporate policies and standards.
• Develop action plans for conducting investigations by determining necessary contacts, collection feasibility, and/or civil action in order to protect recovery on a claim.
• Analyze and document the claim file by collecting and securing appropriate reports and statements from third party adjusters, claimants, witnesses and any other parties or pertinent experts to determine damage, liability and opportunity for recovery
• Within established authority limits, negotiate with claimants, lawyers and insurers to settle claims. If necessary, formulate recommendations for further action. As required, attend court proceedings or hearings to provide information on claims.
• Provide quality customer service to external or internal customers. Answer queries relating to investigations and the claims process. Maintain effective communication channels with claims departments and liaise with adjusters, experts, management and other claims representatives on technical and administrative issues.
• Maintain productive business relationships with service providers. Monitor performance to ensure compliance with professional and corporate standards.
• Identify process improvement needs and recommend changes to policies or procedures to maintain quality service and competitiveness.
• Other duties as assigned.

Skills

Subrogation handling

Negotiation skills

Written and verbal communication

Time management

Litigation file handling

Education

University degree

Chartered Insurance Professional (CIP) designation

Job description

Our employees are at the heart of everything we do. Together, we help people, businesses, and society prosper in good times and be resilient in bad times.

Our employee promise represents Intact's commitment to you in exchange for living our Values, striving to do your best work, being open to change and investing in your career. In return, we promise to provide support, opportunities and performance-led financial rewards at a workplace where you can shape the future, win as a team and grow with us.

Pay at Intact is about much more than just salary.

• Flexible work arrangements and a hybrid work model

• Possibility to purchase up to 5 extra days off per year

• Multiple benefits offered to support physical and mental wellbeing, including telemedicine, Wellness account and much more

• Share plan & other savings: up to 12% of salary or even more (ask how you could earn guaranteed income for life)

Salary range (but not limited to)

80,700 - 98,700

Annual bonus target, based on the base salary, with a potential payout of up to double the target (subject to personal and company performance):

10%

As part of our commitment to Win As A Team, we share our success with employees through our annual bonus plan and Employee Share Purchase Plan (ESPP) - with Intact matching 50% of your net shares.

Our pension offerings provide flexibility and long‑term security for our employees beyond their careers. We are one of the few companies offering the opportunity to receive guaranteed income for life via our defined benefit pension plan.

Salary for the candidate will be determined taking into consideration a number of factors including: experience, skills, qualifications, anticipated contribution to role, internal equity, etc. The salary range presented above is based on a 35-hour workweek and would represent a majority of different candidate profiles. However, we encourage candidates who may fall outside of this range to apply as well.

About the role

We're looking for a Claims Representative III, Subrogation to join our growing team!

As a Claims Representative III, Subrogation, your work will have a big impact as you’d be responsible for the investigation, negotiation, and settlement of commercial and personal lines property and/or automotive physical damage subrogation claims. You will provide quality service and ensure prompt and equitable recovery of claims in line with corporate policies and standards.

Office location is Mississauga, Ontario.

What you'll do here:

• Investigate losses with moderate to high complexity. Ensure prompt and equitable recoveries in line with Intact's corporate policies and standards.
• Develop action plans for conducting investigations by determining necessary contacts, collection feasibility, and/or civil action in order to protect recovery on a claim.
• Analyze and document the claim file by collecting and securing appropriate reports and statements from third party adjusters, claimants, witnesses and any other parties or pertinent experts to determine damage, liability and opportunity for recovery
• Within established authority limits, negotiate with claimants, lawyers and insurers to settle claims. If necessary, formulate recommendations for further action. As required, attend court proceedings or hearings to provide information on claims.
• Provide quality customer service to external or internal customers. Answer queries relating to investigations and the claims process. Maintain effective communication channels with claims departments and liaise with adjusters, experts, management and other claims representatives on technical and administrative issues.
• Maintain productive business relationships with service providers. Monitor performance to ensure compliance with professional and corporate standards.
• Identify process improvement needs and recommend changes to policies or procedures to maintain quality service and competitiveness.
• Other duties as assigned.

What you bring to the table:

• Minimum 5+ years property, casualty claims and/or subrogation handling experience
• Experience in handling litigation files in both Small Claims Court and Superior Court an asset
• Excellent written and verbal communication skills
• Strong time management skills
• Superior negotiation skills
• University degree or any combination of training and experience deemed relevant for the role
• Completed or are working toward a Chartered Insurance Professional (CIP) designation

This role is eligible for employee referral bonus. #myReferrals3000

#LI-Hybrid

#LI-MS1

Ce poste jouera un rôle essentiel au sein de notre équipe. | This position will fill an essential role in our team.

We are an equal opportunity employer

At Intact, our Value of respect is founded on seeing diversity as a strength. We strive to create an accessible workplace where employees feel valued, included and encouraged to share their unique perspectives.

We encourage applications from individuals who are members of equity‑deserving groups, including but not limited to women, Indigenous peoples, persons with disabilities, Black people, and members of the 2SLGBTQI+ community.

As part of Intact's commitment to reconciliation, we acknowledge that we work, meet and travel across the land currently called Canada, originally inhabited by First Nations, Metis and Inuit people. This history extends through many centuries and continues to evolve today.

We have policies to ensure equal access and participation for people with disabilities, including providing workplace adjustments (accommodations). A copy of applicable policies is available on request.

If we can provide a specific adjustment to make the recruitment process more accessible for you, please let us know when we reach out about a job opportunity. We'll work with you to meet your needs.

Learn more about our recruitment process and your candidate journey here.

Please note that Intact does not provide sponsorship or other support for immigration‑related matters including but not limited to employer‑specific closed work permits. Candidates must be eligible to work in Canada from the anticipated start date and throughout their employment and are solely responsible for maintaining their work eligibility.

If you are an employee of Intact or belairdirect, please apply for this role on Internal Career Site.