Claims Representative - Liability

001 Sentry Insurance Company; Goldsboro (NC); Hybrid; USD 59,000 - 82,000; Full time

Benefits offered by this job

Hybrid work arrangement

Dining stipend or on-site cafeteria

Tuition reimbursement

Comprehensive benefits

Paid time off

401(k) match

Community giving/volunteer

Job summary

001 Sentry Insurance Company is seeking a Claims Representative-Liability to verify coverage, assess liability, and negotiate settlements with claimants and providers. You will review policies, police reports, and medical records, while maintaining thorough documentation and compliance with regulations.

A hybrid work option is available with in-office collaboration several days a week. Ideal candidates have a bachelor’s degree, at least one year of related experience, and strong negotiation and

Qualifications

• Bachelor’s degree or equivalent work experience.
• Minimum 1 year of related work experience.
• Prior attorney rep experience highly preferred.
• Ability to review and analyze detailed documents, insurance policies, coverages, medical bills and records.
• Ability to make appropriate claim decisions, prioritize, and manage workload; time limit demands.
• Effective verbal and written communication skills.
• Demonstrated fundamental negotiation skills.

Responsibilities

• Verify coverage by thoroughly reviewing the policies and interpreting policy terms, conditions and language.
• Evaluate liability by taking recorded statements, reviewing police reports, and compiling other pertinent evidence.
• Negotiate or deny liability based on the investigation outcome.
• Evaluate physical damage and bodily injury claims based on estimates, photos, appraisals, medical reports, medical bills, and other evidence.
• Coordinate with medical providers, repair shops and contractors to facilitate services.
• Set appropriate claim reserves in a timely manner.
• Negotiate bodily injury settlements with policyholders, claimants, attorneys, and other carriers to reach fair resolutions.
• Ensure claims are paid promptly and within authorized limits.
• Document all decisions, communications, and activities to ensure regulatory and policy compliance.
• Provide empathetic customer service and clearly explain the claims process.

Skills

Bachelor’s degree or equivalent work

Verbal and written communication

Negotiation skills

Policy and documents analysis

Time management

Education

Bachelor’s degree or equivalent work experience

Job description

Claims Representative-Liability

What You'll Do

• Verify coverage by thoroughly reviewing the policies and interpreting policy terms, conditions and language.
• Evaluate liability by taking recorded statements, reviewing police reports, and compiling other pertinent evidence.
• Negotiate or deny liability based on the investigation outcome.
• Evaluate physical damage and bodily injury claims based on estimates, photos, appraisals, medical reports, medical bills, and other evidence.
• Working closely with medical providers, repair shops and/or contractors to facilitate necessary and related services.
• Set appropriate claim reserves in a timely manner based on ongoing evaluations of liability.
• Negotiate bodily injury settlements with policyholders, claimants, attorneys, and other insurance carriers to reach fair resolutions within established guidelines.
• Ensure claims are paid promptly and within authorized limits.
• Ensure compliance with industry regulations, legal requirements, and internal policies by thoroughly documenting all decisions, communications, and activities throughout the entire claims process.
• Provide empathetic and supportive service to customers as they navigate challenging situations, clearly explaining the claims process, keeping them informed of their claim process, and communicating decisions along with the reasoning behind them.

What it Takes

• Bachelor’s degree or equivalent work experience.
• Minimum 1 year of related work experience.
• Prior attorney rep experience highly preferred.
• Ability to review and analyze detailed documents, insurance policies, coverages, medical bills and records.
• Ability to make appropriate claim decisions, prioritize, and manage workload; time limit demands.
• Effective verbal and written communication skills.
• Demonstrated fundamental negotiation skills.

What you can look forward to as part of our team

• Hybrid Flexibility: Enjoy the best of both worlds. With optional work from home on Mondays and Fridays and join your team in the office Tuesday through Thursday to collaborate and learn. We provide the technology and tools you need for both your office and home workspace from day one.
• Dining on Us: Depending on your location, we may provide a stipend that can be used at our on-site cafeteria or a meal allowance to keep you fueled.
• Continuous Learning: Unlock your potential through Sentry University and take advantage of our tuition reimbursement program.
• Comprehensive Benefits: We support your whole self with group medical, dental, and vision insurance along with parental leave, pet insurance, caregiver leave, and wellness resources. Options for HSA, FSA, and Dependent Care FSA are available.
• Work-Life Balance: Enjoy your generous Paid Time Off allowance to rest and take advantage of paid Volunteer Time Off to support your community.
• Investing in Your Future: We’re committed to your long-term financial well-being. We offer a 100% company match on the first 8% you contribute to your 401(k) each pay period, and those funds vest immediately.
• Giving Back: Through the Sentry Foundation, we’re proud to support the United Way and make a difference in our communities.

Why Join Sentry

At Sentry, we believe our people are the heart of our success. We’re proud to be recognized for the culture we’ve built, earning spots on Forbes’ lists for America’s Best Midsize Employers and Best Employers for New Grads, as well as Newsweek’s America’s Greatest Workplaces for Women and Diversity. These honors reflect our commitment to your professional satisfaction and growth.

Building on a Legacy Our future is bright, but it’s anchored in a long history of stability. Since our founding in 1904, we’ve dedicated ourselves to helping businesses protect their futures. That trust has made us one of the largest and most financially stable mutual insurance companies in the U.S. We’re proud to have maintained an A+ rating from A.M. Best, the industry’s leading authority, for over 30 years.

Your Career, Our Community Whether you’re working at our headquarters in Stevens Point, Wisconsin, or one of our many offices across the country, you’ll find a challenging and rewarding environment. Explore the Our Teams tab on our Career Page to see the diverse career paths we offer, with a focus on ongoing development and professional growth.

Equal Employment Opportunity

Sentry is an Equal Opportunity Employer. It is our policy that there be no discrimination in employment based on race, color, national origin, religion, sex, disability, age, marital status, or sexual orientation.

Our associates are the most important part of our company. We became one of the most financially strong mutual insurance companies in the U.S. by striving to provide the best possible service to our business customers. We do this by having conversations, forming relationships, and getting to know the people we work with and their businesses. We make that same commitment to our associates. When you join Sentry, we don’t just want you to perform tasks each day. We want you to enjoy your time with us. You’re in the driver’s seat of your career path here—sharing feedback, creating goals, accessing professional development resources, and identifying how you can contribute to both your success and the success of the company. Yes, we work hard. But we work with the purpose of helping others, and with the understanding that there’s more to life than work. We invite you to learn more about us. You’ll find we’re much more than insurance.