Claims Representative Senior - Commercial Liability

Sentry Insurance; Nashville (TN); Hybrid; USD 65,000 - 90,000; Full time

Benefits offered by this job

Hybrid work flexibility

Dining stipend/meal allowance

Tuition reimbursement

Group medical and dental benefits

Paid time off and wellness resources

401(k) company match

Community giving back via foundation

Job summary

Sentry Insurance is seeking a Senior Claims Representative for our Commercial Lines - Liability teams in Nashville, TN. You will conduct prompt claim investigations, evaluate coverage and liability, and negotiate settlements.

The role requires handling of a caseload including bodily injury and property damage, with collaboration across attorneys and vendors. We value a strong knowledge of claims processes, the ability to analyze complex documents, and excellent communication.

Qualifications

• Bachelor's degree or related experience.
• 3+ years of related work experience.
• Thorough claims knowledge of claims processes.
• Ability to review and analyze complex documents, insurance policies and regulations.
• Ability to make appropriate claim decisions and prioritize workload.
• Demonstrated effective verbal and written communication skills.
• Ability to handle conflict and negotiate resolutions.
• Technology aptitude.

Responsibilities

• Investigate and resolve insurance claims with prompt investigations and settlements.
• Verify coverages by reviewing policies and language, may involve coverage counsel.
• Take statements, review reports, and gather evidence to evaluate liability.
• Assess exposures and negotiate settlements with policyholders, claimants, and attorneys.
• Manage litigated and non-litigated automobile claims with legal coordination when needed.
• Document decisions, correspondence, and discussions throughout the claim life cycle.

Skills

Claims knowledge

Negotiation

Communication

Case management

Technology aptitude

Education

Bachelor's degree or related experience

Job description

Investigate and resolve insurance claims in an efficient and accurate manner. You'll independently manage a caseload, negotiate settlements, and communicate with all parties.

What You'll Do:

As a Senior Claims Representative on our Commercial Lines - Liability teams, you'll provide superior service by conducting prompt claim investigations, which include evaluating coverage, determining liability, and settlement of damages. In addition, you will:

• Verify coverages by thoroughly reviewing the policy and interpreting policy terms, conditions, and language, which may require working with coverage counsel.
• Evaluate complex liability by taking recorded statements from involved parties and witnesses, reviewing police reports, and compiling other pertinent evidence.
• Analyze all potential exposures, potentially high limit exposures, and resolve claims in the best interest of the insured, claimant, and Sentry.
• Evaluate physical damages and bodily injury claims, working closely with repair shops, medical providers, automobile appraisers, and/or contractors to facilitate necessary and related services or repair work.
• Establish timely reserves based on the ongoing liability and damage assessments, negotiating property damage and bodily injury settlements with policyholders, claimants, and attorneys, and other insurance carriers.
• Manage a case load of litigated and non-litigated automobile claims, most of which will be bodily injury files of mid-level severity and complexity. Work with legal counsel and the insured to appropriately review and handle complex time limited demands and the defense of litigated files.
• Comply with industry regulations, legal requirements, and internal policies through thorough documentation of all decisions, correspondence, and discussions that occur throughout the life cycle of the claim.

What it Takes:

• Bachelor's degree or related experience
• 3+ years of related work experience
• Thorough claims knowledge of claims and claims processes
• Ability to review and analyze complex documents, insurance policies, coverages, medical reports, and insurance regulations
• Ability to make appropriate claim decisions, prioritize, and manage workload
• Demonstrated effective verbal and written communication skills
• Ability to handle conflict and negotiate resolutions
• Technology aptitude

Here is what you can look forward to as part of our team:

At Sentry, your total rewards go beyond competitive compensation. We're committed to supporting the whole you, which is why we offer a comprehensive package designed to help you thrive both professionally and personally.

• 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 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.