Claims Adjuster - P&C

Insurance Program Managers Group; St. Charles (IL); Hybrid; USD 60,000 - 74,000; Full time

Benefits offered by this job

20 days PTO

12 paid holidays and Your Birthday Off

Medical, dental, and vision coverage

401k match

Year End Bonus

Onsite fitness center

Job summary

Insurance Program Managers Group seeks a P&C Adjuster to join our claims management division in St. Charles, IL.

The position handles intermediate exposure auto liability and general liability property damage and bodily injury claims, ensuring compliance with best-practice guidelines and reporting cycles. The role includes claims handling and investigation, documentation, communication with clients and stakeholders, reserving and negotiations, and professional development.

Qualifications

• Bachelor’s degree in business or related field.
• Knowledge of common software programs such as Microsoft Office and Excel.
• Excellent verbal and written communication skills for internal and external reports.
• Strong cost-benefit analysis, decision making and organizational skills.
• Great customer service skills.
• Detail oriented and flexible in working with various service plan structures.

Responsibilities

• Follows Claims Best Practices, defined processes, and quality standards.
• Maintains contact with insured, claimant, witnesses to investigate liability.
• Reviews claim correspondence and determines appropriate actions.
• Evaluates liability claims and reports to excess carriers and reinsurers.
• Reviews and interprets insurance policies for coverage determination.
• Maintains detailed file notes, timely diary entries and accurate coding.
• Drafts and discusses coverage letters with clients and agents.
• Ensures accurate and timely claim transfers per service plans.
• Provides proactive updates to clients and claimants.
• Communicates clearly in written and verbal formats.
• Participates in client reviews and travel for claim reviews.
• Sets and adjusts reserves; negotiates settlements with defense counsel.
• Identifies subrogation opportunities and supports initiatives.
• Demonstrates urgency, ownership and teamwork across departments.

Skills

Communication skills

Customer service

Cost-benefit analysis

Organization

Detail oriented

Flexibility

Education

Bachelor’s degree in business or related field

Tools

Microsoft Office

Excel

Job description

We are seeking a P&C Adjuster to join our claims management division. This individual is responsible for adjusting intermediate exposure automobile liability and general liability property damage and bodily injury claims. This includes the monitoring of defense counsel’s compliance to our best practice litigation handling guidelines specific to our required reporting cycles and budget compliance.

This individual is responsible for adjusting basic to intermediate exposure automobile liability and general liability property damage and bodily injury claims.

Claims Handling & Investigation

• Follows Claims Best Practices, defined processes, and quality standards.
• Secures contact with all relevant parties (insured, claimant, witnesses) to investigate liability using applicable state statutes.
• Reviews claim correspondence and determines appropriate actions.
• Evaluates liability claims and reports to excess carriers and reinsurers.
• Reviews and interprets insurance policies for coverage determination.

Documentation & File Management

• Maintains detailed file notes, timely diary entries, accurate coding, and meets claim closing goals.
• Drafts and discusses coverage letters with clients and agents before sending.
• Ensures accurate and timely claim transfers per service plans and guidelines.

Communication & Collaboration

• Provides proactive updates to clients, claimants, and insureds.
• Communicates clearly and professionally in both written and verbal formats.
• Participates in client reviews, teleconferences, and occasional travel for claim reviews.
• Follows through on all committed action items with stakeholders.

Reserving, Payments & Negotiations

• Sets and adjusts reserves; authorizes or denies payments based on claim facts.
• Negotiates settlements effectively, especially in complex cases with defense counsel.
• Identifies and executes subrogation opportunities accurately.

Professionalism & Development

• Demonstrates urgency, ownership, and commitment to work.
• Supports team and department initiatives.
• Understands organizational goals and contributes to overall success.
• Analyzes data to solve problems and supports implementation of initiatives.
• Promotes collaboration and teamwork across departments.

Required Qualifications

• Bachelor’s degree in business or related equivalent education
• Knowledge of common software programs such as Microsoft Office and Excel
• Excellent verbal and written communication skills to complete internal and external reports
• Strong cost- benefit analysis, decision making and organizational skills
• Great customer service skills
• Detail oriented and flexible in working with various service plan structures

Preferred Qualifications

• 1-2+ years of experience adjusting liability claims preferred, including litigation management
• Familiarity with handling of first party claims as well as liability claims
• Multi-jurisdictional tort law and overall federal law experience a plus
• Experience in reporting key exposures to excess carriers and reinsurers a plus
• Insurance designations not mandatory but a plus

Compensation And Benefits

• Salary range is $60,000 - $74,000 annually. We typically target the midpoint of our range, and pay will be based on relevant experience.
• 20 days of PTO each year.
• 12 paid holidays and YOUR BIRTHDAY OFF!
• Medical, dental, and vision coverage on day one of full-time employment.
• Paid Parental Leave
• Telemedicine is free for you and your family (day one) if you are covered under our medical plan.
• 401k match.
• Professional development support and a Linkedin Learning subscription.
• Flexible time off with an encouraged time away to support a healthy work-life balance.
• Life Insurance, Short term, and long-term disability on day one of full-time employment and paid for by IPMG.
• IPMG offers a Year End Bonus to qualified employees
• Onsite fitness center and showers, in our St. Charles, IL HQ office.

Job Status & Hours

This is a full-time, exempt position.

IPMG’s core hours are 8:30 a.m. to 5:00 p.m. Monday through Friday, and any flexibility around that schedule must be approved by management. All employee owners must work 37.5 hours each week to maintain full-time status. Occasional evening and weekend work may be required as essential functions demand.

This is a hybrid in office/at home position with requirements to be in our headquarter office in St. Charlese 2-3 days a week.

All About IPMG

IPMG is committed to a diverse and inclusive workplace. IPMG is an equal opportunity employer and does not discriminate on the basis of race, national origin, gender, gender identity, sexual orientation, protected veteran status, disability, age, religion, or other legally protected status.

Candidates that are selected and hired will need to submit to substance, credit, and criminal background screenings, and computer literacy testing.

IPMG is an Equal Opportunity Employer—M/F/D/V.