Claims Sr Rep Commercial Specialist

Farmers Group Inc.; Phoenix, Northern (AZ, KY); Hybrid; USD 60,000 - 100,000; Full time

Benefits offered by this job

401(k)

Medical

Vision

Health Savings and Flexible Spending

Bonus Opportunity

Job summary

Farmers in the United States seeks an experienced Senior Claims Representative to investigate, determine liability, confirm coverage, establish damages and negotiate settlements. A valid adjuster license where required is expected.

This virtual or hybrid role can be based from a Farmers hub, with the option for in-office work within 50 miles of a corporate office; applicants beyond are considered. The position offers advancement opportunities and a comprehensive benefits package.

Qualifications

• Excellent communication and interpersonal skills.
• Proficiency with personal computers and standard office software.
• Valid driver's license and ability to pass background checks.

Responsibilities

• Investigates cases, determines liability, and negotiates settlements.
• Assesses damages and subrogation potential.
• Inspects property and estimates repair or replacement costs.
• Represents the Company with professionalism and integrity.
• Assists in training for Agency Claims.

Skills

Communication Skills

PC Literacy

Driver's license

Bondable

Education

High school diploma or equivalent

Bachelor's degree preferred

Job description

We are Farmers – where ambition meets opportunity.

At Farmers, we’re not just known for unforgettable jingle – we’re a team with a passion for purpose and making a real difference in people’s lives. We deliver peace of mind when it matters most. Our results-driven, high-performance culture thrives on creativity, accountability and bold solutions. Here, growth isn’t just a goal – it’s a way of life for both the organization and every individual on our team. We tackle challenges head-on, learn from every experience and measure our impact on the customers who trust us.

Join an award-winning, equal opportunity employer, where you’ll find more than a job – you’ll find a supportive community. Enjoy competitive benefits, take part in meaningful volunteer projects, and help shape the future alongside talented colleagues across all backgrounds. At Farmers, helping others is at the heart of what we do.

Farmers believes in a culture of collaboration, creativity, and innovation, which thrives when we have the ability to work flexibly in a virtual setting as well as the opportunity to be together in person. Our hybrid work environment combines the best of both worlds with at least three (3) days in office and up to two (2) days virtual for employees who live within fifty (50) miles of a Farmers corporate office. Applicants beyond fifty (50) miles may still be considered.

Job Summary

Investigates, determines liability, confirms coverage, establishes damages, and negotiates settlement of claims. Will also be required to maintain an active adjusters license in states where required.

Virtual or Hybrid role depending on location from a Farmers Hub.

Essential Job Functions

• Conducts investigation on assigned cases including complex coverage issues determines liability, identifies subrogation rights, establishes damages, prepares cases for arbitration, reports status, attends settlement conferences as directed, and negotiates settlement (has authority to make payment of assigned claims within prescribed limits).
• Adjusts all types of claims including bodily injury, property damage, multiple line coverage, property, workers' compensation, and no fault (Colorado and Michigan).
• Inspects damaged property, and determines claim related damage.
• Estimates the cost of repair or replacement of damaged or stolen property.
• Determines and reports on subrogation potential. Initiates the sale of personal property, and miscellaneous salvage items.
• Reports theft, fraud and arson losses as required to state and industry agencies.
• Assists and trains agents under the Agency Claims Training Program. Assists in training or less experienced Commercial Claims Representatives.
• Performs most duties on an individual basis, and work has a direct bearing on Management results.
• Represents the Company from a public relations standpoint and must conduct oneself as a member of Management at all times.
• Contacts are a major part of activity and include policyholders, claimants, agents, witnesses, contractors, police and fire departments, state and county fraud and arson personnel, special investigators, attorneys, expert witnesses, members of the medical profession and all other persons incident to the investigation and processing of claims.
• Analyzes detailed coverage issues and is responsible for complex investigation on litigated and unlitigated cases; reads and understands plaintiff complaints and petitions, insurance contracts and indemnity agreements.
• Responsible for high dollar exposure in both indemnity and expense. Promotes safety at all times and complies with safety/ergonomic standards as outlined in relevant company published manuals. Performs other functions as assigned.

Physical Actions

• Bending Pulling Sorting Carrying up to 20 lbs. PushingSpeaking (English) ClimbingReachingStanding Key enteringReading (English)Walking KneelingSeeingWriting (English)

Physical Environment

• Required job duties are normally performed in a climate- controlled office environment, but with exposure to some or all of the following environments when in the field: Uncontrolled outside environmental conditions Excessive Noise Levels Chemicals Chemical/Biological Conditions Moving Mechanical Parts Areas considered dangerous Conditions, which could affect the respiratory system or skin such as: fumes, odors, dust, mists, gases, oils, smoke, soot, or poor ventilation.

Education Requirements

• High school diploma or equivalent required. Bachelor’s degree preferred.

Experience Requirements

• Successful demonstration/completion of the Senior Claims Representative prerequisites, proficiencies, and exams, as required based on unit assignment.
• External candidates should also have a minimum of one year of prior claims or two years of related industry experience.

Special Skill Requirement

• Communication Skills Personal Computer Literate Valid driver's license Bondable
• Farmers offers a competitive salary commensurate with experience, qualifications and location.
• o CA Only: $70,304 - $110,000
• o CO & ME:$60,750 - $95,150
• o HI/IL/MN/VT Only:$60,750 - $101,750
• o MA Only:$60,750 - $101,750
• o MD & VA:$60,750 - $101,750
• o DC/NJ/NY/OH Only: $62,353 - $110,000
• o Albany County, NY/Cleveland, OH: $64,875 - $95,150
• o WA Only: $80,168 - $115,625
• Bonus Opportunity (based on Company and Individual Performance)
• 401(k)
• Medical
• Vision
• Health Savings and Flexible Spending Accounts

Job Location(s): R_US - United States, US - AZ - Phoenix

Anticipated application deadline: At Farmers, the recruitment process is designed to ensure that we find the best talent to join our team. As part of this process, we typically close open positions within 8 to 21 days after posting. If you are interested in any of our open positions, we encourage you to submit your application promptly.

Farmers will consider for employment all qualified applicants, including those with criminal histories, in accordance with the Los Angeles Fair Chance Initiative for Hiring Ordinance or other applicable law. Pursuant to 18 U.S.C. Section 1033, Farmers is prohibited from employing any individual who has been convicted of any criminal felony involving dishonesty or a breach of trust without prior written consent from the state Department of Insurance.

It is unlawful in Massachusetts to require or administer a lie detector test as a condition of employment or continued employment. An employer who violates this law shall be subject to criminal penalties and civil liability.

Farmers is an Equal Opportunity Employer and does not discriminate in any employer/employee relations based on race, color, religion, gender, sexual orientation, gender expression, genetic information, national origin, age, disability, marital status, military and veteran's status, or any other basis protected by applicable discrimination laws.