Claim Representative I

Church Mutual Insurance Company, S.I.; Merrill (WI); On-site; USD 50,000 - 75,000; Full time

Job summary

Church Mutual Insurance Company, S.I. in Merrill, WI is seeking a claims professional to handle low to moderate value auto and property claims.

You will gather information, determine coverage, investigate, and set reserves within your authority, updating systems as you go. With supervision you will verify coverage, conduct thorough investigations, negotiate with insured or attorneys when appropriate, and maintain professional communication with customers and partners.

Qualifications

• Bachelor's degree preferred or equivalent education/experience.
• Training in commercial insurance, medical or building terminology is desirable.
• Prior insurance experience is beneficial.
• Ability to obtain and maintain state adjusting license requirements and complete CE requirements.
• Evidence of organizational skills, ability to prioritize and to think independently.
• Strong listening, verbal and written communication skills.
• Basic knowledge of policy terminology and legal principles in commercial insurance, automobile, medical and property claims.

Responsibilities

• Handle low to moderate value claims within an assigned line of coverage such as auto physical damage and property damage.
• Gather and review claim information, determine coverage, and conduct investigation.
• Initiate and maintain customer contact to provide updates and resolve issues with the claim.
• Update information in the claim system to document claim handling activities.
• Determine/set reserves and make payments within level of authority.
• Investigate and refer identified claims to Loss Recovery Services as applicable.
• Determine and set reserves within authority; negotiate with insured or claimant's attorney as appropriate.
• Maintain a professional, courteous, and helpful approach when communicating with internal and external customers and partners.

Skills

Communication skills

Organizational skills

Ability to prioritize

Think independently

Verbal and written communication

Education

Bachelor's degree preferred

Job description

What You'll Be Doing

In accordance with application of state and federal laws and company best practices, handle low to moderate value claims within an assigned line of coverage, such as auto physical damage and property damage. Gather and review claim information, determine coverage, and conduct investigation. Initiate and maintain customer contact to provide updates and resolve any issues with the claim. Update information in the claim system to document claim handling activities. Determine/set reserves and make payments within level of authority. Investigate and refer identified claims to Loss Recovery Services, as applicable.

On Any Given Day, You'll

• Perform claim tasks timely and document claim files appropriately. Proactively manage claim activities to ensure fair claim resolution. Handle all claims in accordance with state and federal laws.
• Verify coverage at a foundational level by gathering adequate information necessary to make an informed decision in a fair, equitable, and ethical manner. Evaluate subrogation potential based on the applicability of policy language and/or governing state laws and statutes as appropriate.
• With supervision, perform a thorough investigation and obtain pertinent file documentation (i.e., police report, medical records, estimates, photos, etc.). Upon completion of the investigation, analyze and evaluate the potential exposure and damages, including potential full or partial liability, compensability denials and subrogation potential as applicable. Formulate and document an action plan based on the covered damages and injuries.
• Determine and set reserves based on the most probable outcome of the claim, within authority level. When applicable, evaluate and negotiate directly with insured, claimant or claimant's attorney on all cases within authority level. Make complete, accurate, and timely payments within authority for covered losses. Refer claims above authority to appropriate team member for review and potential reassignment.
• Maintain a professional, courteous, and helpful approach when communicating in-person, on the phone, or through email and other correspondence with internal and external customers and business partners.
• Recognize when vendor partners are required on a claim. Assign and direct vendors, as needed, to aid in the investigation and evaluation of the claim. Manage claim expense by concluding vendor assignment when vendor is no longer adding value to the claim.
• Investigate and refer identified claims to Loss Recovery Services, as applicable.
• Completes all other assigned duties, as requested.

Qualifications

• Bachelor's degree preferred. A combination of equivalent education and/or commercial insurance experience may be considered in lieu of a degree.
• Additional training in commercial insurance, medical, and/or building terminology knowledge is desirable.
• Prior insurance experience is beneficial.
• Ability to obtain and maintain state adjusting license requirements and complete continuing education requirements.
• Evidence of organizational skills, ability to prioritize and to think independently.
• Strong listening, verbal and written communication skills.
• Basic knowledge of policy terminology and legal principles involving at least one or more of the following: commercial insurance, automobile, medical and property claims.

Church Mutual is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, veteran or disability status.

Exact compensation will vary based on consideration of a variety of factors including education, skills, experience, and location.