Claims Representative, Bodily Injury

Plymouth Rock Assurance; Boston (MA); On-site; USD 65,000 - 90,000; Full time

Job summary

Plymouth Rock Assurance is hiring a Bodily Injury Claims Representative in Massachusetts. You will investigate, analyze coverage, coordinate field activities, and manage reserves to resolve First- and Third-Party bodily injury claims across personal and commercial lines.

The role requires 1–3 years of insurance claims handling and a Bachelor's degree is preferred. Expect collaboration with policyholders, attorneys, and internal teams to reach fair settlements and maintain regulatory compliance.

Qualifications

• Bachelor’s degree preferred.
• 1–3 years of insurance claims handling experience preferred.
• Bodily injury claims knowledge helpful.
• State regulations and guidelines familiarity beneficial.
• Massachusetts losses focus with broader coverage as needed.

Responsibilities

• Investigate claims including statements and documentation.
• Analyze coverage and liability under policies.
• Coordinate field investigations with vendors and counsel.
• Maintain accurate reserves based on loss facts and developments.
• Collaborate with defense counsel on litigated claims and SIU referrals.
• Evaluate and negotiate settlements with claimants and attorneys.
• Identify subrogation opportunities when applicable.
• Maintain compliant claim files and documentation.
• Participate in training and contribute to team goals.

Skills

Communication skills

Analytical skills

Negotiation

Regulatory knowledge

Education

Bachelor’s degree

Job description

Are you ready to grow your career in claims? Join our team as a Bodily Injury Claims Representative and play an important role in investigating, evaluating, and resolving First- and Third-Party Bodily Injury claims across Personal Lines and Commercial insurance. You will work closely with policyholders, injured parties, attorneys, and internal partners to deliver fair, timely, and effective claim resolutions.

Responsibilities

• Claim Investigation – Conduct thorough investigations into coverage, liability, and injuries, including obtaining statements and reviewing supporting documentation.


• Coverage Analysis – Review insurance policies to determine applicable coverage, including Primary and Excess coverage when appropriate.


• Field Investigation Coordination – Coordinate field investigations and work with vendors, defense counsel, and other partners to gather information and support claim resolution.


• Reserve Management – Establish and maintain accurate claim reserves based on the facts of the loss and ongoing claim developments.


• Litigation & Fraud Awareness – Collaborate with defense counsel on litigated claims and identify potential fraud indicators for referral to the Special Investigations Unit (SIU).


• Negotiation & Resolution – Evaluate claims and negotiate settlements with injured parties and attorneys to achieve fair, appropriate outcomes.


• Subrogation & Recovery – Identify potential recovery opportunities and pursue subrogation when applicable.


• Claim Documentation & Compliance – Maintain accurate claim files, document decisions, and ensure compliance with applicable company guidelines and regulatory requirements.


• Professional Development – Participate in training, stay current on industry practices, and contribute to team goals and initiatives.

Qualifications

• Education – Bachelor’s degree from an accredited institution preferred.


• Experience – 1–3 years of insurance claims handling experience preferred, with bodily injury claims experience a plus.


• Claims Knowledge – Understanding of liability investigations, coverage analysis, claim evaluation, and settlement negotiation.


• Litigation Knowledge – Familiarity with litigation, arbitration, and working with defense counsel is beneficial.


• Analytical & Organizational Skills – Strong attention to detail, sound judgment, and the ability to manage multiple claims and priorities effectively.


• Communication Skills – Effective written, verbal, negotiation, and interpersonal skills.


• Regulatory Knowledge – Ability to learn and apply state laws, regulatory guidelines, and statutory requirements.


• State Experience – Experience handling claims in Massachusetts is preferred. The role will primarily involve Massachusetts losses, with claims in other states handled as business needs require.

The pay range for this position is $65,000- $90,000 annually. Actual compensation will vary based on multiple factors, including employee knowledge and experience, role scope, business needs, geographical location, and internal equity.

About the Company

The Plymouth Rock Company and its affiliated group of companies write and manage over $2 billion in personal and commercial auto and homeowner’s insurance throughout the Northeast and mid-Atlantic, where we have built an unparalleled reputation for service. We continuously invest in technology, our employees thrive in our empowering environment, and our customers are among the most loyal in the industry. The Plymouth Rock group of companies employs more than 1,900 people and is headquartered in Boston, Massachusetts. Plymouth Rock Assurance Corporation holds an A.M. Best rating of “A-/Excellent”.