Commercial Auto & General Liability Claims Examiner III (Floater)

Tristar Insurance; United States; Remote; USD 65,000 - 90,000; Full time

Benefits offered by this job

Fully remote

Job summary

Tristar Insurance is seeking a fully remote Claims Examiner (Float) to investigate and resolve complex commercial auto and general liability claims. This full-time role supports coverage evaluation, reserve setting, and settlements while coordinating with clients, counsel, and carriers.

The position requires active licenses in FL, NY, GA, or TX, strong negotiation skills, and the ability to manage claims with minimal supervision.

Qualifications

• High School Diploma or GED required; bachelor's degree preferred.
• 7+ years' commercial auto and GL claims experience or equivalent.
• Active adjuster licenses in FL, NY, GA or TX; nonresident licenses as needed.

Responsibilities

• Investigates, evaluates, and resolves complex commercial auto and GL claims, including litigated matters.
• Reviews policies, endorsements, and vehicle schedules to determine coverage.
• Provides temporary coverage for other examiners to prevent backlogs and maintain SLAs.
• Maintains claim diaries and timely follow-ups on investigations and litigation activities.
• Evaluates liability, damages, and exposure; recommends reserves and settlement strategies.
• Communicates resolution strategies to clients and negotiates settlements within authority.

Skills

Claims handling

Negotiation

Communication

Litigation awareness

Remote work adaptability

Education

High School Diploma or GED

Bachelor's degree preferred

Tools

Claims management systems

Job description

++This is a fully remote position. This is a full-time floater position.++

++Must have an active FL, NY, GA or TX license++

POSITION SUMMARY:

Under minimal supervision, investigates, evaluates, and resolves complex commercial automobile and general liability claims, including matters in litigation. Reviews policy provisions, endorsements, and applicable vehicle schedules to determine coverage and assess liability, damages, and potential exposure. Communicates reserve and settlement recommendations to clients and maintains effective working relationships with claimants, legal representatives, counsel, and other involved parties.

Serves in a float capacity, providing claims handling coverage during planned paid time off, unexpected absences, and extended leaves of absence. Assumes responsibility for assigned files to maintain timely claim activity, prevent backlogs, and meet client service level agreements.

DUTIES AND RESPONSIBILITIES:

The Claims Examiner (Float) is a versatile role designed to ensure continuity of operations within the claims department. This individual provides seamless coverage for permanent examiners during planned Paid Time Off (PTO), unexpected absences, or extended leaves of absence. The primary goal is to prevent backlogs claim and maintain service level agreements (SLAs) regardless of staffing fluctuations.

• Investigates, evaluates, manages, and resolves complex commercial automobile and general liability claims, including litigated claims, in accordance with applicable requirements, client instructions, company procedures, and industry best practices.
• Reviews and interprets insurance policies, endorsements, and vehicle schedules to determine applicable coverage and identify coverage issues.
• Provides temporary coverage for other claims examiners, reviewing transferred files, identifying outstanding activities and deadlines, and maintaining continuity of claim handling.
• Maintains an accurate claim diary and completes timely follow-up on investigations, correspondence, litigation activities, and other required actions.
• Evaluates liability, damages, and potential exposure; recommends appropriate reserves and updates recommendations as additional information becomes available.
• Develops and communicates claim resolution and settlement strategies to clients; negotiates settlements within delegated authority and obtains approval when required.
• Coordinates and directs outside investigators and other service providers; works with clients and counsel to advance claims toward resolution.
• Monitors litigation developments, evaluates counsel's recommendations, and communicates material changes affecting claim exposure or resolution.
• Prepares loss reports containing a thorough analysis of coverage, liability, damages, reserves, and recommended next steps.
• Identifies potential subrogation and risk transfer opportunities and initiates recovery efforts at the client's direction.
• Maintains complete, accurate, and timely claim file documentation, including correspondence, reports, discussions, decisions, and supporting rationale.
• Provides responsive, professional service to clients and other involved parties.
• Coordinates file handoffs with supervisors and returning examiners, documenting current claim status, pending actions and upcoming deadlines.
• Assist supervisors and the claims department with special projects and other assigned responsibilities.
• Performs other duties as assigned.

Position is remote/working from home.

QUALIFICATIONS REQUIRED:

++Education/Experience++ : High School Diploma or GED required; bachelor's degree in related field (preferred) and a minimum of seven (7) years' commercial auto and general liability casualty related experience; or equivalent combination of advanced education and experience.

Special Requirements:

• At least 10 years of Commercial Automobile and General Liability claims experience required
• Knowledge of claims handling concepts, practices, and techniques, including but not limited to coverage issues and product line knowledge.
• Demonstrated verbal and written communications skills.
• Demonstrated advanced analytical, decision-making and negotiation skills.
• Computer proficiency.

Knowledge, Skills, and Abilities:

• Advanced knowledge of commercial automobile and general liability claims handling, including coverage analysis, investigations, liability evaluation, damages assessment, reserving, and settlement practices.
• Understanding of the litigation process and claim valuation across multiple jurisdictions.
• Strong analytical, problem-solving, decision-making, and negotiation skills.
• Ability to independently manage complex claims within established authority and with minimal supervision.
• Strong written and verbal communication skills, including the ability to prepare clear, thorough claim reports and recommendations.
• Ability to develop and maintain effective relationships with clients, claimants, legal representatives, counsel, and service providers.
• Strong organizational and time management skills, with the ability to prioritize competing assignments and meet deadlines.
• Flexibility to assume unfamiliar claim inventories, assess immediate priorities, and maintain service standards during staffing changes.
• Proficiency with claims management systems, computer applications, and related technology.
• Demonstrated commitment to responsive client service and accurate claim documentation.

Licensing Requirements:

• Holds an applicable resident or designated home state adjuster license and required nonresident licenses, or has the ability to obtain required licenses through reciprocity or applicable state examinations.
• Maintains required licenses and completes applicable continuing education requirements.

PREFERRED QUALIFICATIONS:

• Bachelor's degree in a related field.
• Associate in Claims (AIC) and/or Chartered Property Casualty Underwriter (CPCU) designation.
• Experience providing float coverage or managing claims across multiple client accounts and jurisdictions.

++Mental and Physical Requirements++

: [see separate attachment for a copy of checklist of mental and physical requirements]

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| MENTAL AND PHYSICAL REQUIREMENTS |
| 1. MENTAL EFFORT
a. Reasoning development:
Follow one- or two-step instructions; routine, repetitive task.
Carry out detailed but uninvolved written or verbal instructions; deal with a few concrete variables.
Follow written, verbal, or diagrammatic instructions; several concrete variables.
Solve practical problems; variety of variables with limited standardization; interpret instructions.
++X++ Logical or scientific thinking to solve problems; several abstract and concrete variables.
Wide range of intellectual and practical problems; comprehend most obscure concepts. |
| b. Mathematical development:
Simple additional and subtraction; copying figures, counting, and recording.
Add, subtract, multiply, and divide whole numbers.
++X++ Arithmetic calculations involving fractions, decimals, and percentages.
Arithmetic, algebraic, and geometric calculations.
Advanced mathematical and statistical techniques such as calculus, factor analysis, and probability determination.
Highly complex mathematical and statistical techniques such as calculus, factor analysis, and probability determination; require theoretical application. |
| c. Language development:
Ability to understand and follow verbal or demonstrated instructions; write identifying information; request supplies verbally or in writing.
Ability to file, post, and mail materials; copy data from one record to another; interview to obtain basic information such as age, occupation, and number of children; guide people and provide basic direction.
Ability to transcribe dictation; make appointments and process mail; write form letters or routine correspondence; interpret written work instructions; interview job applicants.
Ability to compose original correspondence, follow technical manuals, and have increased contact with people.
++X++ Ability to report, write, or edit articles for publication; prepare deeds, contracts or leases, prepare and deliver lectures; interview, counsel, or advise people; evaluate technical data. |
| 2. PHYSICAL EFFORT
a. Physical activity required to perform the job:
++X++ Sedentary work: Exerting up to 10 pounds of force occasionally and/or a negligible amount of force frequently or constantly to lift, carry, push, pull, or otherwise move objects. Sedentary work involves sitting most of the time. Jobs are sedentary if walking and standing are required only occasionally, and all other sedentary criteria are met.
Light work: a. Exerting up to 20 pounds of force occasionally b. Exerting up to 10 pounds frequently c. Exerting a negligible amount of force constantly to move objects
(If the use of arm and/or leg controls requires exertion of forces greater than that for Sedentary Work and the worker sits most of the time, the job is rated for Light Work).
Medium work: a. Exerting up to 50 pounds of force occasionally b. Exerting up to 20 pounds of force frequently c. Exerting up to 10 pounds of force constantly to move objects
Heavy work: a. Exerting up to 100 pounds of force occasionally b. Exerting up to 50 pounds of force frequently c. Exerting up to 20 pounds of force constantly to move objects
Very heavy work: a. Exerting in excess of 100 pounds of force occasionally b. Exerting in excess of 50 pounds of force constantly to move objects c. Exerting in excess of 20 pounds of force constantly to move objects
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| 1. Visual requirements necessary to perform the job:
Far vision: clarity of vision at 20 feet or more
++X++ Near vision: clarity of vision at 20 inches or less
++X++ Mid-range vision: clarity of vision at distances of more than 20 inches and less than 20 feet
Depth perception: the ability to judge distance and space relationships, so as to see objects where and as they actually are
Color vision: ability to identify and distinguish colors
Field of vision: ability to observe an area up or down or to the right or left while eyes are fixed on a given point

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Frequently

Occasionally

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