Claims Attorney (Municipal Entity)

Tokio Marine HCC International; Florida; Hybrid; USD 90,000 - 140,000; Full time

Benefits offered by this job

Competitive salary

Health benefits

401(k) match

PTO & holidays

Wellness program

Parental leave

Volunteer time off

Job summary

Tokio Marine HCC - Public Risk Group is seeking a self-motivated Claims Attorney to join our Casualty Claims team. The role focuses on litigated and non-litigated claims under Auto, General Liability, and related policies, with potential Law Enforcement, Public Officials, and Employment Practices exposure across jurisdictions.

You will work with a senior team member, review policies, and develop strategies for resolution while obtaining adjuster licenses within six months.

Qualifications

• Juris Doctor (J.D.) is required.
• Minimum five years of relevant legal experience with two or more years in claims handling.
• Active Adjuster’s License or plan to obtain within six months.
• Proficiency with Microsoft Office Suite (Outlook, Word, Excel, PowerPoint).

Responsibilities

• Interpret coverage and collaborate with outside counsel on claims.
• Investigate, analyze liability and damages exposure.
• Draft and issue coverage position letters and develop resolution strategies.
• Maintain claim files in accordance with policy and procedure, establish reserves.

Skills

Legal experience

Claims handling

Communication

Education

Juris Doctor (J.D.)

Tools

Microsoft Office Suite

Job description

Role Details

Job Title: Claims Attorney (Municipal Entities)

Location: Remote / Hybrid (dependent upon on proximity of office location)

Employment Type: Full-Time

Requisition Begin Date: 10/15/2026

Requisition End Date 12/15/2026 (Posting may close earlier if filled or business needs change.)

Help us insure it

Tokio Marine HCC - Public Risk Group, a member of the Tokio Marine group of companies, is a market leader in providing specialized insurance products for municipal entities. We cover counties, cities, townships, villages, police departments, prisons, fire departments and more. We serve the growing insurance and risk management needs of medium and large governmental entities and provide property and casualty insurance coverages in multiple states.

Role Overview

The Tokio Marine HCC - Public Risk Group is seeking a self-motivated Claims Attorney to join our growing Claims Department and handle litigated and non-litigated claims primarily arising under Auto and General Liability, as well as potentially some Law Enforcement, Public Officials, and Employment Practices liability policies in various jurisdictions.

If you are looking to enhance your legal career and/or insurance industry experience in a fast-paced, ever-expanding insurance company, we have an exciting opportunity to join our Casualty Claims team.

Key Responsibilities

This position involves interpretation of coverage and requires collaboration with outside counsel in analyzing and resolving claims within designated limits of authority. This includes investigation, analysis of liability and damages exposure, drafting and issuance of coverage position letters, and development of strategies for resolution of litigated and non-litigated claims. The Claims Attorney is also responsible for determination of probable loss exposure and establishment of reserves, as well as maintenance of claim files and documents in accordance with Company policy and procedure. This individual will report to a senior member of the Casualty and Litigation management team and will work claims with limited supervision from his or her desk.

Performance Objectives

• Gain understanding of the insurance policies and procedures: During the first 30 days you will be reviewing Auto and General Liability, Law Enforcement, Public Officials, and Employment Practices liability policies as well as reviewing governmental immunities for each state in which we write business. You will understand how the claims department operates within the Tokio Marine HCC structure through direct training and interactions with claims staff, underwriters, and brokers. You will be able to navigate the claims systems and begin handling claims of limited complexity and exposure.
• Build confidence and be proficient in insured/broker communications: During the first 60 to 90 days, you will develop confidence in contacting insureds, performing independent investigations, and communicating the Company’s coverage position. You will manage litigated and non-litigated claims as well as develop action plans for Reserving and Resolution opportunities. You will be handling all aspects of a growing inventory of claims while working more independently.
• Obtain Adjusting License: You will be expected to obtain all necessary adjusting licenses within approximately 180 days (or within timeframe directed by management) of your employment.
• Develop independent working environment: Within 6 months, you will work independently drafting your own coverage letters, completing authority requests when needed, and settling claims as appropriate within authority with limited management oversight.

What You Bring

• Educational requirements: Juris Doctor (J.D.)
• Experience: Minimum five (5) years of relevant legal experience, with two-plus (2+) years of relevant claims handling preferred.
• Active Adjuster’s License (or commitment to obtain within six months).
• Technical Skills: Intermediate proficiency and experience in Microsoft Office Suite, specifically Outlook, Word, Excel and PowerPoint.

What We Offer

• Competitive salary and comprehensive benefit package
• Strong learning culture with ongoing development opportunities
• Opportunities for growth and career advancement
• Comprehensive medical, vision, and dental coverage, with eligibility beginning on your first day of employment
• Basic life and disability insurance
• 401(k) plan with 6% company match
• 20 days of PTO and two floating holidays (prorated)
• Approximately 11 paid holidays and volunteer time off
• Paid parental leave
• Access to our award-winning wellness program, including mental health services, fitness network membership, and a complimentary Headspace subscription
• Student loan matching program
• Employee discount program
• An opportunity to do meaningful work and love what you do

Disclaimer

You do not need to disclose your criminal history or participate in a background check until a conditional job offer is made to you. After making a conditional offer and running a background check, if the Company is concerned about a conviction that is directly related to the job, you will be given the chance to explain the circumstances surrounding the conviction or challenge the accuracy of the background report. The Company will consider for employment all qualified applicants, including those with criminal histories, in a manner consistent with the requirements of applicable federal, state and local laws, such as the Violent Crime Control and Law Enforcement Act of 1994 (18 USC 1033(e))(the “VCCLEA”), which restricts financial institutions and insurers such as TMHCC from employing individuals with certain types of criminal convictions. Where the hiring and employment of individuals is not restricted by the foregoing, the Company will consider qualified applicants with arrest or conviction history in compliance with applicable law such as the California Fair Chance Act, the Los Angeles Fair Chance Initiative for Hiring Ordinance, the Los Angeles County Fair Chance Ordinance, the San Diego Fair Chance Ordinance, and the San Francisco Fair Chance Ordinance.

About Us

Tokio Marine HCC is a global industry-leading specialty insurance group, backed by the strength and stability of the Tokio Marine Group. Offering over 100 classes of specialty insurance, we empower clients to pursue opportunities confidently through our “Mind Over Risk” philosophy. More than an insurance company, we are an organization built on innovation, unity, and trust.

At our core, we are Always Advancing, driven by innovation and an entrepreneurial spirit that keeps us moving forward. Our people are Experts in Tomorrow, using curiosity and smart working to anticipate what’s next. With a culture rooted in Reaching Out, we foster genuine collaboration and support, ensuring every individual has the opportunity to succeed and make a difference.

Applying our Mind Over Risk philosophy to writing insurance allows our customers to take on opportunity with confidence. That philosophy defines our way of thinking, unites us as a team, and differentiates us from our competitors. We are much more than just an insurance company; we are a good company.

Equal Opportunity Employer

TMHCC is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to age, ancestry, citizenship, color, family or medical care leave, gender identity, genetic information, marital status, medical condition, national origin, physical or mental disability, protected veteran or military status, race, ethnicity, religion, sex (including pregnancy), sexual orientation, or any other characteristic protected by applicable local laws, regulations and ordinances.