Claims Adjuster - Pierre, SD

FMNE Insurance Company; Pierre (SD); Hybrid; USD 52,000 - 76,000; Full time

Benefits offered by this job

Hybrid work model

Health coverage

401(k) and pension plan

Wellness programs

Company vehicle

Job summary

FMNE Insurance is seeking a Claims Adjuster for our Pierre, SD District Office. The role focuses on investigating claims, making fair settlements, and delivering high-quality service to policyholders and agents.

The position supports a values-driven, team-oriented culture with a stable Midwest presence. The ideal candidate will handle claims with independent judgment, work effectively with home office and field staff, and comply with all policy terms.

Qualifications

• Requires a high school diploma or equivalent; college degree preferred.
• Valid driver's license required.
• Excellent communication skills with agents, insureds, and claimants.
• Ability to work independently and manage time effectively.
• Proficient with standard business software and PC use.
• Strong knowledge of policy language, insurance principles, and coverage details.

Responsibilities

• Investigate and manage settlement of assigned claims with independent judgment.
• Conduct on-site inspections and prepare underwriting reports.
• Serve as liaison between Home Office and agency force to adjust claims.
• Maintain timely and accurate communication with agents and insureds.
• Ensure actions comply with insurance contracts and pay fair claim amounts.
• Travel to district offices as needed and work beyond standard hours.

Skills

Communication skills

Independent work

PC proficiency

Education

High school diploma or equivalent

College degree preferred

Tools

Microsoft Office Suite

Job description

FMNE Insurance is seeking a Claims Adjuster to join our team in our Pierre, SDDistrict Office. This role is ideal for a motivated, detail-oriented professional who excels at investigating claims, makes sound decisions, and delivers fair, high-quality service to policyholders and agents. Join a stable, values-driven company with deep Midwest roots and a strong team-focused culture.

This position is not eligible for visa sponsorship. Applicants must be authorized to work in the United States on a full-time basis.

We offer a competitive salary and a comprehensive benefits package, including health coverage, a generous 401(k), pension plan, wellness programs, a company vehicle, and a hybrid work model for eligible employees.

Role Overview of a Claims Adjuster:

This position is responsible for, but not limited to, working toward fulfillment of the Company’s goal to provide prompt, fair, quality claims service. This role also investigates and manages the settlement of assigned claims, performing all duties with the use of independent judgment and subject to regular review.

Claims Adjusters in the field serve as the primary liaison between the Home Office and agency force by facilitating the adjustment of assigned claims, conducting on-site inspections, and preparing comprehensive underwriting reports.

Responsibilities of a Claims Adjuster:

• Demonstrates the Company’s mission, while successfully performing its core values related to integrity, service, excellence, stability, strength, respect, and teamwork.
• Ensure timely and accurate communication, support agency personnel in resolving claims-related issues, and uphold company standards for service, policy interpretation, and reporting.
• Manage assigned loss claims and conduct underwriting inspections, preparing and submitting detailed reports to the appropriate department.
• Ensure all actions comply with the terms of the insurance contract, striving to pay fair and accurate claim amounts while fostering and maintaining strong customer relationships.
• Regularly communicate with producing agents to keep them informed of claims handling progress and issues related to their clients. Provide guidance and updates on Company policies and procedures to support agents in their roles.
• Regular and timely attendance in the office is an essential function of the position.

Skills and Qualifications of a Claims Adjuster:

• High school diploma or equivalent required; college degree preferred.
• Completion of insurance-related courses is helpful.
• A valid driver’s license with a clean driving record is required.
• Excellent communication skills, with the ability to interact effectively with agents, insureds, and claimants via written correspondence, email, phone, and in person.
• Ability to work independently, demonstrating strong initiative and awareness of the importance of timely completion of all responsibilities and job functions.
• Proficient in using a personal computer, including familiarity with standard business software applications (e.g., Microsoft Office Suite).
• Demonstrated ability to manage and maintain confidential information with professionalism and discretion is required.
• A comprehensive and strong knowledge of policy language, insurance principles, and coverage details is essential.
• Ability to work under varied conditions including indoor/outdoor environments, temperature extremes, uneven or slippery surfaces, and possible exposure to pollutants and irritants.
• Physical capability to lift up to 40 pounds, bend, stoop, crawl, climb ladders, and work at elevated heights.
• Ability to stand or walk for prolonged periods and conduct thorough visual inspections of insured property.
• Flexibility to work beyond standard hours (40 hours per week or 5 days per week) and to travel to other district offices as needed.
• Willingness and ability to work beyond standard business hours when required to meet business needs.
• General knowledge or aptitude in construction, agri-business, and/or automobile repair is preferred.

FMNE Insurance Company recognizes that an individual with a disability may require accommodation to enable them to successfully perform a job function. Should you require such accommodation, please indicate the job function and suggested accommodation during the interview process. FMNE will attempt to make reasonable accommodation.