Claims Representative

Acuity Insurance; Missouri; On-site; USD 60,000 - 81,000; Full time

Benefits offered by this job

401(k) contribution

Medical insurance

Dental insurance

Vision insurance

Paid time off

Employee Assistance Program

Job summary

Acuity Insurance is seeking class of entry-level Claims Representatives to start in January 2027. Reps investigate and evaluate property, auto or general liability claims, contacting involved parties by phone, fax, and email.

Training on-site up to 12 weeks is provided; full benefits and a path to professional growth are offered. The role emphasizes customer service, policy coverage evaluation, reserve forecasting, and collaboration with external parties to resolve claims fairly in a fast-paced

Qualifications

• Excellent written and verbal communication skills.
• Proven organizational and time management skills.
• Proficient in current computer technology.
• Ability and willingness to provide quality customer service.
• Spanish language is preferred, but not required.

Responsibilities

• Investigate, evaluate and resolve multi-line property and liability claims across multiple states.
• Make initial contact with claimants and insureds promptly.
• Evaluate policy coverage by applying terms to facts.
• Forecast reserves and monitor adequacy throughout the claim lifecycle.
• Conduct phone interviews, obtain recorded statements, photos, and documents.
• Maintain thorough claim file documentation with activity logs and system updates.
• Identify potentially fraudulent claims and refer to SIU.
• Engage outside vendors in a cost-effective manner.
• Negotiate settlements or deny claims where appropriate.
• Participate in on-site training and adhere to company guidelines.

Skills

Communication

Organization

Time management

Problem solving

Spanish language

Education

College degree or equivalent experience

Job description

Acuity is seeking a class of entry-level Claims Representatives to start in January 2027. Claims Reps investigate claims to determine specifics surrounding a property, auto or general liability claim. This includes phone contact with involved parties, as well as obtaining information via phone, fax and e-mail from agents, doctors, attorneys and other external parties involved in the claim. The claims investigation and evaluation process includes determining coverage under the insurance policy, evaluating liability, assessing damages, and forecasting reserves, while providing the best in class customer service.

Internal Deadline to Apply: Wednesday, September 30th

Essential Functions

• Proactively investigate, evaluate and resolve assigned multi-line property and liability claims within multiple state venues.
• Make timely and meaningful initial contact with parties involved in the claim, particularly claimants and insureds.
• Accurately evaluate policy coverage by applying claim facts to the policy contract terms.
• Consistently forecast reserves, by setting reserve initially with proper reserve coding and monitoring reserve adequacy throughout the course of the claim, consistent with Acuity's reserve philosophy.
• Thoroughly investigate assigned claims by conducting phone interviews, obtaining recorded statements, securing photos, and obtaining written reports and/or documents.
• Maintain a personal follow-up task on all claim files to assure timely, proactive handling, efficient claim file organization, quality customer service, and proper management of pending claims.
• Accurate and thorough claim file documentation, to consist of timely entry of activity log entries, claims system screen updates, and imaged documentation.
• Identify potentially fraudulent claims and promptly refer suspect claims to the Special Investigations Unit (SIU).
• Participate in internal claims phone queue as assigned.
• Employ and manage outside vendor resources in a cost effective manner.
• Utilize sound judgment and discretion with settlement authority to properly and effectively resolve claims through negotiation, settlement or denial.
• Successfully manage litigation files according to company guidelines.
• Periodically participate in off-hours storm claims duty as dictated by storm claims volume.
• Maintain a positive, professional attitude.
• Engage in claims educational opportunities, both in-house and external, as sponsored by management.
• Always represent Acuity in a professional manner.
• Complete a mandatory training program as determined by Acuity.
• Regular and predictable attendance.
• Perform other duties as assigned.

Education

College degree or equivalent relevant experience.

Experience

Customer Service Or Insurance Experience Preferred.

Training Requirement

Selected candidates will be required to participate in on-site training up to 12 weeks within their first year. All expenses related to this training, including travel and accommodations will be fully covered by Acuity.

Other Qualifications

• Excellent written and verbal communication skills.
• Proven organizational and time management skills.
• Proficient in current computer technology.
• Ability and willingness to provide quality customer service.
• Strong analytical and creative problem solving abilities.
• Ability to work both independently and in collaboration with others.
• Being bilingual in Spanish is preferred, but not required.

*Acuity does not sponsor applicants for U.S. work authorization.*

This job is classified as exempt.

The salary range for this position is $70,000 annually. This salary range is an estimate, and the actual salary will vary based on applicant’s education, experience, knowledge, skills, and abilities.

For this role, Acuity offers a comprehensive benefits package, including a generous 401(k) contribution, medical, dental, vision, life and disability insurance, paid time off, an Employee Assistance Program, and more. A full description of benefits and eligibility will be provided to candidates during the hiring process.

We are an Equal Employment Opportunity employer. Applicants and employees are considered for positions and are evaluated without regard to mental or physical disability, race, color, religion, gender, national origin, age, genetic information, military or veteran status, sexual orientation, marital status or any other protected Federal, State/Province or Local status unrelated to the performance of the work involved.

Acuity will include at least one in-person interview during the hiring process for all positions.

If you have a disability and require reasonable accommodations to apply or during the interview process, including for in-person interviews, please contact our Talent Acquisition team at [e-mail]. Acuity is dedicated to offering reasonable accommodations during our recruitment process for qualified individuals.