Claims Representative

ACUITY, A Mutual Insurance Company; Phoenix (AZ); On-site; USD 63,000 - 77,000; Full time

Job summary

Acuity is seeking entry-level Claims Representatives to start in January 2027 in Phoenix, AZ. You will investigate property, auto, and general liability claims, contact involved parties, and gather information to determine coverage and liability while delivering excellent customer service.

Selected candidates will train on-site for up to 12 weeks; bilingual Spanish is preferred but not required. Benefits include a comprehensive package and opportunities for growth within Acuity.

Qualifications

• College degree or equivalent relevant experience.
• Customer service or insurance experience preferred.
• Excellent written and verbal communication skills.
• Proven organizational and time management skills.
• Proficient in current computer technology.
• Ability to work both independently and in collaboration with others.
• Bilingual in Spanish is preferred, but not required.

Responsibilities

• Investigate and resolve multi-line property and liability claims.
• Make initial contact with claimants and insureds.
• Evaluate policy coverage by applying terms.
• Forecast reserves and monitor adequacy.
• Interview claimants, obtain statements, and collect documents.
• Maintain timely activity logs and documentation.

Skills

Communication skills

Organizational skills

Time management

Computer proficiency

Independent and collaborative

Spanish bilingual preferred

Education

College degree or equivalent

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.

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).
• 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.

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.

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.

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.