Commercial Auto Excess Casualty Adjuster

Rippling, Inc.; Atlanta (GA); Hybrid; USD 120,000 - 190,000; Full time

Benefits offered by this job

Health insurance

401(k) retirement plan with employer-m

Generous PTO

Family leave policy

Work from anywhere

Apple laptop and monitor

Job summary

Reserv is seeking a Senior Commercial Auto Excess Casualty Adjuster to manage high-severity auto liability claims with excess layers. This role emphasizes advanced coverage analysis, cross-team collaboration, and data-driven decision making in a remote-friendly, technology-driven environment.

The ideal candidate brings 10+ years of claims experience, active license, and strong communication abilities to support MQAs, carriers, and internal teams while leveraging AI tools for efficiency.

Qualifications

• Bachelor's degree or equivalent experience required.
• Active adjuster's license in home state (or ability to obtain within 60 days).
• 10+ years in commercial auto liability or casualty claims, preferably excess/high-severity.

Responsibilities

• Investigate, evaluate, and resolve complex commercial auto liability claims with excess coverage.
• Conduct advanced coverage analysis including endorsements, exclusions, and multi-jurisdictional issues.
• Issue coverage letters and denials in line with regulatory and internal standards.
• Oversee litigation with defense counsel and data-driven decision making.
• Utilize AI-powered tools to review claim summaries and severity predictions.

Skills

Analytical skills

Communication skills

Team collaboration

Regulatory understanding

Multi-jurisdictional analysis

Education

Bachelor's degree or equivalent experience

Active insurance adjuster's license

Tools

Modern claims platform

AI-powered claims tools

Job description

Commercial Auto Excess Casualty Adjuster

About Reserv

Reserv is an insurtech creating and incubating cutting-edge AI and automation technology to bring efficiency and simplicity to claims. Founded by insurtech veterans with deep experience in SaaS and digital claims, Reserv is venture-backed by Bain Capital and Altai Ventures and began operations in May 2022. We are focused on automating highly manual tasks to tackle long-standing problems in claims and set a new standard for TPAs, insurance technology providers, and adjusters alike. We have ambitious (but attainable!) goals and need people who can work in an evolving environment. If building a leading TPA and the prospect of tackling the long-standing challenges of the claims role sounds exciting, we can't wait to meet you.

Location

Candidates must reside in an eligible U.S. state throughout employment. We are unable to hire candidates residing in California, Alaska, Hawaii, U.S. territories, or outside the United States.

About the role

T he Commercial Auto Excess Casualty Adjuster plays a critical role in managing high-severity commercial auto liability claims that may exceed primary policy limits. At Reserv, this specialist leverages cutting-edge automation, structured data, and modern claims systems to drive optimal outcomes while focusing on the most complex, high-impact aspects of claim handling. The role requires deep technical expertise, strong analytical skills, and the ability to collaborate within a fast-moving, technology-driven environment.

KEY RESPONSIBILITIES

• Investigate, evaluate, and resolve complex commercial auto liability claims involving excess layers of coverage, catastrophic injuries, multi-vehicle accidents, and high-exposure scenarios.
• Conduct advanced coverage analysis, including policy interpretation, endorsements, exclusions, and multi-jurisdictional considerations.
• Issue coverage position letters, including reservations of rights and denials, in alignment with regulatory and internal standards.
• Oversee litigation, partnering with defense counsel to evaluate strategy, monitor case progression, and ensure cost-effective, data-driven decision-making.
• Leverage Reserv's AI-powered tools to review claim summaries, severity predictions, and structured data insights to enhance accuracy and efficiency.
• Evaluate primary carrier handling and determine when excess involvement is triggered, ensuring timely and appropriate intervention.
• Collaborate with MGAs, carriers, brokers, and internal teams, providing clear communication and maintaining Reserv's high-touch, white-glove service standards.
• Document all claim activity within Reserv's modern claims platform, ensuring data accuracy and compliance with internal and external requirements.
• Participate in audits, trend analysis, and feedback loops to support continuous improvement and inform underwriting insights.

REQUIRED QUALIFICATIONS

• Bachelor's degree or equivalent experience.
• 10+ years of commercial auto liability or casualty claims experience, preferably with excess or high-severity files.
• Strong knowledge of coverage analysis, litigation management, and complex liability evaluation.
• Excellent communication skills, with the ability to translate complex issues into clear, actionable insights.
• Comfort working in a technology-driven environment with modern systems and data-rich workflows.
• Active insurance adjuster's license by way of a designated home state; home state license required if home state license is available
• Willing to obtain all licenses within 60 days, including completing state required testing

PREFERRED SKILLS & CERTIFICATIONS

• AIC, CPCU, SCLA, or similar designations. JD is also a huge plus.
• Experience with MGAs, TPAs, or non-admitted/excess & surplus lines.
• Familiarity with AI-enhanced claims tools or modern claims platforms (a strong plus at Reserv).
• Generous health-insurance package with nationwide coverage, vision, & dental
• 401(k) retirement plan with employer matching
• Competitive PTO policy – we want our employees fresh, healthy, happy, and energized!
• Generous family leave policy after 8 months of continuous work
• Work from anywhere to facilitate your work life balance
• Apple laptop, large second monitor, and other quality-of-life equipment you may want. Technology is something that should make your life easier, not harder!

Additionally, we will

• Listen to your feedback to enhance and improve upon the long-standing challenges of an adjuster and the claims role
• Work toward reducing and eliminating all the administrative work from an adjuster role
• Foster a culture of empathy, transparency, and empowerment in a remote-first environment

At Reserv, we value diversity in backgrounds, perspectives, and life experiences and believe that diversity in viewpoints and critical thinking drives innovation, first-principles thinking, and success. We welcome applicants from all backgrounds and encourage those from all walks of life to apply. If you believe you are a good fit for this role, we would love to hear from you!