Adjuster, Casualty

TMG Insurance Services, LLC; Iowa (LA); Hybrid; USD 63,000 - 89,000; Full time

Benefits offered by this job

401(K)

Medical plan

Dental plan

Vision plan

Paid time off

Educational assistance

Job summary

The Mutual Group seeks a Commercial Casualty Claims Adjuster to partner with our members, processing claims accurately so they can get back to work quickly. You will handle a broad range of casualty exposures, verify coverage, interview involved parties and gather necessary documentation to support loss evaluations.

The role supports a home-based environment with hybrid/in-office options for those near the office, and periodic travel as needed to fulfill duties while ensuring timely dispositions.

Qualifications

• 5+ years of experience handling Commercial Liability Claims.
• Understanding of coverage concepts, policy interpretation and liability determination.
• Ability to work independently in a home-based environment.
• Willingness to travel periodically.
• Environmental claim experience and propane gas distributors claim experience preferred.
• Bachelor's degree preferred; NY/FL/TX claims handling license required.

Responsibilities

• Investigates coverage, cause of loss, interviewing all parties and gathering docs.
• Handles liability and property damage claims, including litigation considerations.
• Triage severe exposures to large loss team and negotiate fair resolutions.
• Prepare settlement communications and maintain claim file documentation.
• Coordinate with field examiners, engineers and other experts as needed.

Skills

Years of experience

Negotiation skills

Independent work

Travel flexibility

Education

Bachelor's degree preferred

Claims handling license required (NY/FL/TX)

Tools

Microsoft Office

Job description

Department: Claims Job Description

As a Commercial Casualty Claims Adjuster, you will serve as a real partner to our members by processing claims accurately and efficiently so they can resume their life's work without unnecessary delay. If you are optimistic, enjoy helping others in times of need, and are compassionate about making positive change in the world, this may be the role for you.

Work Arrangement

Employees who live within 30 miles of the TMG home office are expected to follow a hybrid or in-office schedule. The initial training period may require additional in‑office days.

Accountabilities

• This position handles Commercial General Liability, Commercial Trucking, Director's & Officer Liability, Employment Practices Liability, Commercial Auto injuries, Contractor's Pollution Liability, Professional Liability and other Casualty exposures.
• Investigates coverage and cause of loss on routine to more complicated claims, which includes but is not limited to policy review, interviewing all parties associated with the loss and gathering and analyzing all necessary investigative documentation.
• Handles non-represented, represented and litigated injury and property damage claims including investigating and evaluating those exposures.
• Identifies exposures with significate severity to triage to the large loss team.
• Provides accurate assessments and negotiates fair and efficient claims resolutions while managing costs.
• Settles losses according to the documented damage, the language of the policy of insurance, pertinent regulatory and statutory considerations and within granted authority.
• Prepares written communication, including but not limited to settlement letters, DISCLAIMERS OF COVERAGE AND RESERVATION OF RIGHTS LETTERS.
• Maintains effective claim file documentation and diary system.
• Monitor diary to achieve timely development of file and timely disposition of the claim.
• Recognizes and pursues recovery opportunities and prepares submissions to SIU when indicated.
• Assigns and supervises field examiners and vendor resources, including but not limited to independent adjusters, engineers and other experts as needed.
• Assumes additional duties as defined.

Qualifications

• 5 or more years in the handling of Commercial Liability Claims.
• Understands concepts of coverage, policy interpretation, exposure recognition and liability determination to analyze and move claims towards resolution using best practices.
• Ability to take responsibility and work independently in a home-based environment.
• Ability to negotiate skillfully in difficult situations.
• Willingness to travel periodically.
• Environmental claim experience is preferred.
• Propane Gas Distributors claim experience is preferred.
• Bachelor's degree preferred New York, Florida or Texas claims handling license required.
• Ability to formulate sound expense, indemnity, and business judgment while supporting loss evaluations and presenting them effectively.
• Basic computer skills including Microsoft applications.
• Perform work related simple and advanced mathematical problems and calculations.
• Compose written correspondence and factual reports which are well organized and concise, utilizing proper English, grammar, punctuation, and spelling.
• Strong oral and written communication skills.

Pay Range

Anticipated Hiring Range: $62,700 - $89,000 annual base salary depending on experience, qualifications, and geographic location.

Benefits

• Competitive base salary plus incentive plans for eligible team members
• 401(K) retirement plan that includes a company match of up to 6% of your eligible salary
• Free basic life and AD&D, long-term disability and short-term disability insurance
• Medical, dental and vision plans to meet your unique healthcare needs
• Wellness incentives
• Generous time off program that includes personal, holiday and volunteer paid time off
• Flexible work schedules and hybrid/remote options for eligible positions
• Educational assistance
• Bot-Filtering Mechanism The Mutual Group uses a bot-filtering mechanism as part of its recruiting and hiring process. As a result, automated job applications or submissions may be rejected.

Equal Opportunity Employer

The Mutual Group is an Equal Opportunity Employer. It is our policy to recruit, hire, train and promote individuals in all job classifications without regard to race, color, religion, sex, national origin, age, veteran status, disability, sexual orientation, gender identity or any other characteristic protected by law.

Know Your Rights

Workplace Discrimination is Illegal. Your Rights Under USERRA. Applicants requiring a reasonable accommodation due to a disability at any stage of the employment application process should contact [e-mail].

Employment Verification

The Mutual Group participates in the E-Verify program and will provide the federal government with your Form I-9 information to confirm that you are authorized to work in the U.S. You are protected from employment discrimination based on your citizenship status and national origin.

Background Check

All offers of employment are contingent upon the successful completion of a background check.