Claims Representative

01460 Continental Casualty Company; Plano (TX); On-site; USD 55,000 - 75,000; Full time

Job summary

CNA is seeking an individual contributor to manage commercial claims with low to moderate complexity. You will verify policy coverage, gather information, and resolve claims within authority limits while maintaining high service quality.

The role requires strong communication, collaboration with partners, and adherence to state regulations. You'll work under supervision on a defined authority level, develop expertise in claim practices, and contribute to customer satisfaction through timely

Qualifications

• Develop and apply basic knowledge of commercial insurance and claim practices.
• Demonstrate strong verbal and written communication with empathy.
• Build collaborative relationships with internal and external partners.
• Exercise independent judgement and solve basic problems.
• Show analytical thinking and time management skills.
• Maintain organization and adapt to changing environments.
• Ability to manage multiple priorities in a fast-paced setting.
• Proficiency with Microsoft Office and related software.

Responsibilities

• Manage an inventory of low to moderate complexity commercial claims per policy and procedures.
• Interact professionally with insureds, claimants and partners to meet quality targets.
• Verify coverage, reserve estimates and liability using policy language.
• Conduct investigations, take statements, and verify facts with experts.
• Collaborate with internal/external resources to achieve best claim outcomes.
• Authorize disbursements within authority and escalate as needed.
• Identify potential subrogation or salvage opportunities for referrals.
• Maintain compliance with state/local regulatory requirements for the line of business.

Skills

Insurance basics

Verbal and written communication

Customer service empathy

Collaborative relationships

Independent judgement

Analytical thinking

Time management

Organization

Microsoft Office Suite

Education

High school diploma

Associates or Bachelor's Degree preferred

Insurance Adjuster License within 90 days

Tools

Microsoft Office Suite

Job description

About the Role

You have a clear vision of where your career can go. And we have the leadership to help you get there. At CNA, we strive to create a culture in which people know they matter and are part of something important, ensuring the abilities of all employees are used to their fullest potential. CNA seeks to offer a comprehensive and competitive benefits package to our employees that helps them — and their family members — achieve their physical, financial, emotional and social wellbeing goals. For a detailed look at CNA’s benefits, check out our Candidate Guide. This individual contributor position works under direct supervision, and within defined authority limits, to manage commercial claims with low to moderate complexity and exposures for a specific line of business. Responsibilities include investigating and resolving claims according to company protocols, quality and customer service standards. Position requires regular communication with customers and insureds and may be dedicated to specific accounts(s).

Responsibilities

• Manages an inventory of low to moderate complexity and exposure commercial claims by following company protocols to verify policy coverage, gather necessary information, maintain appropriate file documentation and authorize disbursements within authority limit.
• Contributes to customer satisfaction by interacting professionally and effectively with insureds, claimants and business partners, achieving quality and cycle time standards, providing regular, timely updates and responding promptly to inquiries and requests for information.
• Verifies coverage and establishes timely and adequate reserves by reviewing and interpreting policy language, estimating potential claim valuation, and following company's claim handling protocols.
• Exercises judgement to determine liability and compensability by conducting investigations to gather pertinent information, taking recorded statements from insureds, witnesses and working with experts to verify the facts of the claim.
• Works with appropriate internal and external partners, suppliers and experts by identifying and effectively collaborating with necessary resources to facilitate best claim outcomes.
• Authorizes and ensures claim disbursements within authority limit by determining liability and compensability of the claim, negotiating settlements and escalating to manager as appropriate.
• Developing ability to manage expenses by timely and accurately resolving claims, selecting and actively overseeing appropriate resources, and delivering high quality service.
• Identifies and addresses subrogation/salvage opportunities or potential fraud occurrences by evaluating the facts of the claim and making referrals to appropriate Claim, Recovery or SIU resources for further investigation.
• Achieves quality standards on every file by following all company guidelines, achieving quality and cycle time targets, ensuring proper documentation and issuing appropriate claim disbursements.
• Maintains compliance with state/local regulatory requirements by following company guidelines, and staying current on commercial insurance laws, regulations or trends for line of business.
• May perform additional duties as assigned.

Reporting Relationship

Typically Manager or above.

Skills, Knowledge & Abilities

• Developing basic knowledge of the commercial insurance industry, products and claim practices.
• Good verbal and written communication skills with the ability to demonstrate empathy while providing exceptional customer service.
• Ability to develop collaborative business relationships with both internal and external work partners.
• Able to exercise independent judgement, solve basic problems and make sound business decisions.
• Analytical mindset with critical thinking skills.
• Strong work ethic, with demonstrated time management and organizational skills.
• Ability to manage multiple priorities in a fast-paced, collaborative environment at high levels of productivity.
• Knowledge of Microsoft Office Suite and ability to learn business-related software.
• Adaptable to a changing environment Ability to value diverse opinions and ideas.

Education & Experience

• High school Diploma required.
• Associates or Bachelor's Degree preferred.
• Must have or be able to obtain and maintain an Insurance Adjuster License within 90 days of hire, where applicable.
• Prior claim handling, or business experience in the insurance industry and/or customer service is preferred.

Additional Information

CNA utilizes AI-enabled technology during the recruiting process.

CNA is committed to providing reasonable accommodations to qualified individuals with disabilities in the recruitment process.

Company Culture & Values

At CNA, we are focused on success, individually and collectively. We pride ourselves on promoting a culture that challenges and engages people. We strive to connect people, departments and business areas, to function as a team, and to serve our customers and communities with professionalism and respect.

Our dedication to employee engagement, continuous learning and the open exchange of ideas is the cornerstone of our business.

These ideals, combined with our focus on the customer, enable us to explore new market opportunities and build on our success.

Our values, culture and financial strength are what differentiators us from other employers and make CNA the place you want to work.

At CNA, we are committed to advancing a culture of inclusion – one that attracts talent from all walks of life, fosters respect and collaboration, and enables all of our colleagues to do their best work.

At CNA, we have a long standing commitment to the diverse communities in which we live and work.

We actively make a difference for the greater good through partnerships, sustainability, initiatives, and working together for a better tomorrow.

Corporate Social Responsibility is not one person, or one department, it's the entire enterprise coming together to make the world a better place.