Claims Examiner (Bodily Injury)

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

Benefits offered by this job

Competitive pay & bonus opportunities

Comprehensive benefits

Work-life balance

Career growth

Retirement & security

Continuous learning

Job summary

Kinsale Insurance, headquartered in Richmond, VA, is seeking a Claims Examiner to own the casualty claims process from investigation through resolution. This role combines analytical thinking, negotiation, and strong collaboration with legal partners in a fast-paced, team-oriented environment.

You will manage bodily injury liability claims, interpret policy coverage, and guide defense counsel on litigated matters, with opportunities for professional growth and a clear path to seniority within

Qualifications

• Bachelor's degree in business, risk management, or related field.
• Minimum of 2 years of professional work experience, with commercial liability claims experience preferred.
• Strong analytical, problem-solving, and critical thinking skills.
• Excellent written and verbal communication.
• Negotiation and decision-making abilities.

Responsibilities

• Manage the full lifecycle of bodily injury liability claims.
• Interpret policy coverage and draft coverage correspondence.
• Communicate coverage determinations to policyholders, brokers, and stakeholders.
• Conduct thorough investigations to evaluate liability, damages, and exposure.
• Manage litigated claims and direct defense counsel.
• Drive litigation strategy toward efficient resolution.
• Negotiate claims to resolution with sound judgment.
• Participate in mediations, settlements, and trials as needed.
• Maintain accurate, well-documented claim files.

Skills

Analytical thinking

Communication

Negotiation

Time management

Microsoft Office

Cross-functional collaboration

Attention to detail

Adjuster licenses

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 resolution. You'll work closely with experienced claims professionals and legal partners while handling a diverse portfolio of claims, 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 bodily injury liability claims under the guidance of a Claims Supervisor.
• Interpreting policy coverage and drafting clear, professional coverage correspondence.
• Communicating coverage determinations effectively to policyholders, brokers, and other stakeholders.
• Conducting thorough investigations to evaluate liability, damages, and exposure.
• Managing litigated claims, including appointing and directing defense counsel.
• Driving litigation strategy proactively toward efficient and fair resolution.
• Negotiating claims to resolution with sound judgment and strong business acumen.
• 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. Prior experience handling commercial liability claims involving bodily injury is preferred.
• Strong analytical, problem-solving, and critical thinking skills.
• Excellent written and verbal communication skills.
• Confident negotiation skills and sound decision-making ability.
• Superior organizational and time management skills with the ability to multitask effectively.
• Proficiency in Microsoft Office products (Word, Excel, Outlook, PowerPoint).
• A collaborative mindset and the ability to work cross-functionally.
• Experience directing investigations and working with defense counsel is a plus.
• Ability to analyze medical records, contracts (including risk transfer provisions), 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.