Claims & Risk - Claims Advocate

C3 Insurance; San Diego, Northern (CA, KY); Hybrid; USD 105,000 - 125,000; Full time

Benefits offered by this job

Competitive salary

100% employer-paid benefits

401K match

Opportunities for growth

Flexible working schedules

Unlimited PTO

Work from home/remote

Fun atmosphere

No micromanagement

Job summary

C3 Risk & Insurance Services in San Diego seeks a Claims Advocate to serve as the primary liaison between clients, producers, and carriers. You will proactively advocate for clients, manage all claim aspects, and help mitigate exposure.

The ideal candidate has 2+ years of claims experience, a valid P&C license or certification, and strong communication skills. Travel to client sites is required, with potential remote work options.

Qualifications

• 2+ years of claims-related experience (General Liability, Auto or Property)
• Active P&C license or Claims Certification
• College degree is preferred but not required; designation improves consideration
• Strong written and oral communication skills
• Excellent math and detail orientation

Responsibilities

• Manage all aspects of a claim: evaluate coverage, enter into system, report to carrier, follow up regularly and update insured and producer.
• Coordinate between client and insurer to discuss claim/coverage and assist with resolution of issues.
• Advocate for the client’s best interests during claims process.
• Assist with needs assessments to establish reporting procedures and service commitments.
• Provide technical expertise in response to inquiries concerning claim matters.
• Provide claim status reports and maintain files per commitments.
• Schedule and participate in formal claim reviews and client presentations as needed.
• Notify team of accounts with adverse claim history for underwriting review.
• Identify trends in claims to help risk and safety teams facilitate resolutions.
• Interface with other departments to ensure effective communication and high standards of client service.
• Stay current on insurance contracts and industry trends; attend seminars and trainings.
• Perform other duties as assigned.

Skills

Claims experience

P&C license

Claims certification

Attention to detail

Strong communication

Education

College degree preferred

Job description

Description

WHO WE ARE

C3 is different and we like it that way. Our mission is to bring color and a fresh perspective. Our vision is to create peace of mind.

At C3, the Claims Advocate role is key in providing our clients with the experience that sets C3 apart in the insurance industry. The Claims Advocate is responsible for serving as the liaison between our clients, claimants, producers, and carriers regarding all claim matters, taking a proactive approach to advocate on behalf of clients for the best possible claim outcome, and employing best efforts to ensure that the clients’ interests are protected by mitigating overall exposure.

WHO YOU NEED TO BE

• You are the best of the best! Your carriers and clients love you and you know how to keep them delighted!
• You have the needed expertise and claims related experience (2+ years), ideally handling General Liability, Auto or Property claims.
• You know that quality is key, and your attention to detail is one of your best traits, along with being well organized, excellent at math, and having some great written and oral communication skills.
• Technology is your friend – you usually know all the shortcuts and what you don’t know, you learn quickly.
• You know that attitude is everything. You come to work ready to be a team player every day, even if that means having to step up to other duties from time to time.
• You have an active P&C license or Claims Certification. If you have a college degree, that sends you to the top of the list, but it isn't required. If you have an insurance designation, that’s even better!

THE JOB

A Claims Advocate contributes to C3’s success by performing the following tasks:

• Responsible for managing all aspects of a claim including: evaluate applicable coverage; enter claim into agency management system; prepare loss notice and report claim to carrier (if applicable); follow up on a regular basis to make sure claim is progressing; keep insured and producer updated on status; update agency management system with updated information.
• Coordinate between client and insurer to discuss all aspects of claim/coverage and assist with resolution of coverage issues which may involve on-site visits.
• Advocate for client’s best interests during claims process.
• Assist with needs assessments as to establish reporting procedures and service commitments.
• Provide technical expertise in response to client inquiries concerning claim matters.
• Provide client with claim status reports; review and maintain claim files as needed or required by service commitments.
• Schedule and participate in formal claim reviews, stewardships, client presentations as needed or required by service commitments.
• Notify producer and servicing team of accounts with adverse claim history that may receive increased scrutiny during underwriting process.
• Identify trends in claims and assist C3 Risk & Insurance Services Risk and Safety to help facilitate a resolution.
• Interface with other departments to ensure effective communication and operation; provide technical support to other C3 Risk & Insurance Services departments; maintain high standards of client service.
• Maintain current knowledge of insurance contracts, industry trends, attend seminars, workshops, training programs, as necessary and appropriate.
• Conduct all business in accordance with established policies and procedures.
• Other duties as assigned.

THE FINE PRINT

Work Environment & Physical Demands

• You must be able to use a keyboard and other office equipment.
• Willing to travel to client’s sites required, with occasional overnight stays on out-of-state site visits.
• C3 is an equal opportunity employer.

At C3 Risk & Insurance Services, we offer:

• Competitive salary
• 100% employer-paid benefits
• 401K match
• Opportunities for growth
• Flexible working schedules
• Unlimited PTO to support work/life balance (with a two-week minimum)
• Fun atmosphere
• No micromanagement
• Opportunity to work from home/remote

The applicable base salary range for this role is $105,000 to $125,000. The base pay offered will be determined on factors such as experience, skills, training, location, certifications, and education. Decisions will be determined on a case-by-case basis.