Claims Examiner

Kinsale-Insurance-Company; Richmond (VA); On-site; USD 73,000 - 90,000; Full time

Benefits offered by this job

Competitive pay

Bonus opportunities

Health, dental, vision

HSA contributions

Paid time off

Company holidays

Career growth

401(k) matching

Education reimbursements

Job summary

Kinsale Insurance in Richmond, VA seeks a Claims Examiner to own casualty claims from investigation to resolution. You will analyze liability, damages, and exposure, draft coverage determinations, and communicate decisions to policyholders and brokers.

Net of litigation management, you will collaborate with defense counsel and senior staff to drive fair, timely outcomes. This role emphasizes analytical thinking, negotiation, and strong writing skills, with opportunities for growth, training, and

Qualifications

• Bachelor's degree in business, risk management, or related field.
• Minimum of 2 years of professional work experience.
• Adjuster licenses or industry designations are a plus.
• 1-2 years of experience handling property liability claims is a plus.
• Experience directing investigations and working with defense counsel is a plus.
• Ability to analyze contracts, property damage estimates, and litigation documents is a plus.

Responsibilities

• Manage the full lifecycle of property liability claims.
• Conduct thorough investigations of liability, damages, and exposure.
• Interpret policy coverage and draft coverage correspondence.
• Communicate coverage determinations to policyholders and brokers.
• Negotiate claims to resolution with sound judgment.
• Manage litigated claims and direct defense counsel.
• Support litigation strategy and participate in mediations and trials.
• Maintain accurate, well-documented claim files.

Skills

Analytical thinking

Problem solving

Communication

Negotiation

Decision making

Organization & time management

Collaboration

Cross-functional work

Multitasking

Education

Bachelor's degree in business, risk management, or related field

Tools

Microsoft Office

Job description

Corporate Office
Kinsale Insurance
2025 Staples Mill Rd
Richmond, VA 23230, USA

Description

Are you an analytical, detail-oriented professional ready to take ownership of complex claims and build a meaningful career in insurance? Join Kinsale Insurance, a leading excess and surplus (E&S) lines carrier headquartered in Richmond, VA. We're known for our high-quality, high-touch approach and innovative, personalized solutions that help clients navigate complex risks - and we bring that same standard of excellence to how we develop and support our people.

About the Role

As a Claims Examiner, you'll play a key role in managing casualty claims from investigation through resolution. This position combines analytical thinking, strategic decision-making, and skilled negotiation to ensure fair and timely claim outcomes. You'll work closely with experienced claims professionals and legal partners while handling a diverse portfolio, including litigated claims. This is an excellent opportunity to deepen your expertise in a fast-paced, team-oriented environment that is committed to your learning and career growth.

What You'll Do

• Managing the full lifecycle of property liability claims under the guidance of a Claims Supervisor.
• Conducting thorough investigations to evaluate liability, damages, and exposure.
• Interpreting policy coverage and drafting clear, professional coverage correspondence.
• Communicating coverage determinations effectively to policyholders, brokers, and other stakeholders.
• Negotiating claims to resolution with sound judgment and strong business acumen.
• Managing litigated claims, including appointing and directing defense counsel.
• Driving litigation strategy proactively toward efficient and fair resolution.
• Participating in mediations, settlement conferences, and trials as needed.
• Maintaining accurate, well-documented claim files.

What You Bring

• Bachelor's degree in business, risk management, or a related field.
• Minimum of 2 years of professional work experience.
• Strong analytical, problem-solving, and critical thinking skills.
• Excellent written and verbal communication skills.
• Confident negotiation skills and sound decision-making ability.
• Strong organizational and time management skills with the ability to multitask effectively.
• Proficiency in Microsoft Office (Word, Excel, Outlook, PowerPoint).
• A collaborative mindset and the ability to work cross-functionally.
• 1-2 years of experience handling property liability claims or related industry experience is a plus.
• Experience directing investigations and working with defense counsel is a plus.
• Ability to analyze contracts (including risk transfer provisions), property damage estimates, and litigation documents is a plus.
• Adjuster licenses or industry designations are a plus.

Why You'll Love Working at Kinsale

• Competitive Pay & Bonus Opportunities - Rewarding performance and initiative.
• Comprehensive Benefits - Health, dental, and vision insurance with up to $3,600 (individual) or $7,000 (family) in HSA contributions per year.
• Work-Life Balance - Generous paid time off including 22 days of PTO and 10 paid company holidays.
• Career Growth - Clear promotion paths, mentorship, and ongoing professional development.
• Retirement & Security - Up to 6% matching 401(k) contributions on base salary and bonus, standard life insurance, and disability coverage.
• Continuous Learning - Annual $3,000 reimbursement for educational training and certifications.

Integrity & Responsibility

Kinsale values strong financial responsibility. A credit check will be conducted as part of the selection process for roles that require sound judgment, trustworthiness, or access to sensitive information.

Salary Range:$73,000 - $90,000

This posted range is our best estimate; starting salaries may vary. Additionally, the posted range reflects only base salary and does not include annual bonuses, benefits, or reimbursements.

Equal Opportunity Employer
This employer is required to notify all applicants of their rights pursuant to federal employment laws.For further information, please review the Know Your Rights notice from the Department of Labor.