CL Sr Claims Consultant

USI Insurance Services; BLOOMINGTON, Northern (MN, KY); Hybrid; USD 99,000 - 121,000; Full time

Job summary

USI Insurance Services in Bloomington, MN seeks an experienced claims advocate to provide advocacy and consulting for complex Commercial Lines clients. You will conduct claim reviews, negotiate with carriers, analyze loss trends, and tailor plans to reduce duration, severity, and cost.

The ideal candidate has 8+ years in a commercial claims role, a Bachelor’s degree, and a Property & Casualty license is preferred.

Qualifications

• 8+ years in a claims administration role for a Commercial Lines agency.
• Bachelor’s degree strongly preferred.
• Property & Casualty license preferred.
• Detailed understanding of multiple lines of commercial lines coverage (general workers compensation, liability, property; E&O).
• Comfortable with internet-based programs and MS Office products.
• Strong understanding of loss forecasting, experience mods, reserve analysis, collateral, etc.
• Expert business, negotiation, and data interpretation skills.
• Strong written and verbal communication; able to convey messages to C-suite.

Responsibilities

• Conduct claim reviews in conjunction with service plan; monitor and communicate results to client.
• Negotiate with carriers to develop special account instructions.
• Analyze loss trends and tailor service plans to mitigate claim duration, severity and costs.
• Advocate on behalf of clients on denials, reservation of rights, and coverage position.
• Assist client with evaluation and reporting of complex claims.
• Review reserving accuracy on specific claims.
• Develop action plans and assist with resolution of complex/high exposure claims.
• Provide guidance on litigation and medical management solutions.
• Partner with risk control and analytics teams to identify loss trends and develop comprehensive programs.
• Contribute insights in USI team huddles.

Skills

Negotiation

Data interpretation

Written and verbal communication

Team collaboration

Education

Bachelor's degree preferred

Property & Casualty license preferred

Tools

Microsoft Office

Job description

General Description: Provide claims advocacy and consulting services for USI’s most complex Commercial Lines clients .

Responsibilities:

• C onduct claim reviews in conjunction with service plan . Monitor and measure financial impact of USI reviews and communicate results to client.
• Ne gotinate with carriers to develop special account instructions.
• Analyze loss trends and business issues . T ailor service plan to address adverse trends and mitigate claim duration, severity and costs using claims management solutions.
• Advocate on behalf of clients on claim denials, reservation of rights, negotiating optimal coverage position.
• Assist client with evaluation and reporting of complex claims.
• Review reserving accuracy on specific claims .
• Develop action plan and assist with resolution of complex/high exposure or high-profile claims .
• Provide guidance on litigation management and medical management solutions.
• Partner with risk control and analytics/placement team to identify loss trends and develop a comprehensive program focused on reducing total cost of risk.
• Contribute insights and client solutions in USI team huddle meetings.
• Navigate clients through complex claims including Employment Practices Liability (EPL), Directors & Officers (D&O) and Errors & Omissions (E&O)
• Evaluate third-party administrators (TPAs) and install TPA or carrier alongside client.
• Remain current with Carrier and TPA service and technology capabilities, industry trends, development around key case law , and industry claims solutions.

Knowledge, Skills and Abilities:

• 8 years + in a claims administration role for a Commercial Lines agency required.
• Bachelor’s degree strongly preferred.
• Property & Casualty license preferred.
• Detailed understanding of multiple lines of commercial lines coverage (generally workers compensation, liability and property or marine & energy). Claims expertise in at least one line.
• Comfortable with internet-based programs and expertise in Microsoft Office products.
• Strong u nderstanding of loss forecasting, experience mods, reserve analysis, collateral, etc .
• Expert business, negotiation, and data interpretation skills.
• Strong written and verbal communication skills. Must effectively deliver messages to C-suite.
• Ability to work well in a team environment.
• #LI-JN1
• #LI-Hybrid

Why USI?

With approximately $3 billion in revenue and over 10,500 associates across approximately 200 offices nationwide, USI is one of the largest insurance brokerage and consulting firms in the world. At USI, we have created one of the most dynamic personal and professional development cultures in the industry. We invest heavily in our associates, and we take pride in celebrating their growth and success through our one-of-a-kind employee reward and recognition programs.

Unrivaled Resources and Support

What truly distinguishes USI as a premier insurance brokerage and consulting firm is the USI ONE Advantage® , a game-changing value proposition that delivers to clients a robust set of risk management and benefit solutions with bottom-line financial impact. USI ONE® represents Omni, Network, Enterprise—the three key elements that set USI apart from the competition. Through USI ONE, we develop strategic, timely, and effective risk management and benefit programs in terms that are easy to understand, and we demonstrate how the solutions can have a positive economic impact.

Industry-Leading Programs, Rewards, and Recognition

In addition to competitive pay, incentives, and benefits, USI recognizes associates through our Summit Awards program, rewarding excellence in those who build our brand each day. USI offers employee programs that recognize outstanding achievement and help our associates lead healthy, productive lives. We turn care into action with our award-winning wellness program, college scholarships for associates' children, and financial help in times of need.

Deep Community Engagement

We are committed to giving back to our local communities and supporting a culture of environmental sustainability. From sharing our time, talent, and resources to support local non-profit organizations, animal shelters, and environmental beautification and restoration projects – to partnering with eco-conscious vendors and taking steps to reduce our own environmental footprint – we’re working together as ONE to build a better future.

Committed to a Diverse and Inclusive Workplace

Our award-winning I’m With U diversity and inclusion program educates our associates to help them better understand and serve our clients, prospects, fellow team members, and local communities through curated education and training resources, employee support programs, and community outreach initiatives to build a more diverse, equitable, and inclusive culture.

Nationally Recognized as a Top Insurance Employer

• Recognized as one of Insurance Business America’s Top Insurance Employers eight consecutive years (2018-2025).
• Named to Business Insurance’s annual list of the Best Places to Work in Insurance six years in a row (2020-2025).
• Named to Fortune’s Best Workplaces in Financial Services & Insurance list for the last two years (2024-2025).
• Certified as a Great Place To Work two years in a row (2024-2025).

USI is committed to providing a full-suite of competitive benefits for our growing population and its diverse needs. We offer a wide range of health, welfare and financial benefits including medical, wellness, dental and vision, 401(k), flexible spending and health savings accounts, short and long-term disability, life insurance and other unique employer-sponsored and voluntary programs. USI also offers a generous paid time off policy, paid family leave benefit as well as paid holiday time.

For Non-Production Positions

Compensation & Benefits Information:

• Salary Range: $110,000.00
• This is a bonus-eligible position with a target incentive of 5%
• Applications accepted through 11/01/2026