Commercial Auto - Injury Claim Owner

Farmers Insurance; Phoenix (AZ); Hybrid; USD 60,000 - 110,000; Full time

Benefits offered by this job

Medical

401(k)

Paid Time Off

Tuition Assistance

Dental

Job summary

Farmers Insurance in Phoenix, AZ is seeking an experienced Claims Adjuster to investigate liability, determine coverage, and negotiate settlements across bodily injury, property damage, and multi-line claims. You will inspect properties, estimate repair costs, and manage subrogation potential while upholding professional standards.

The role emphasizes collaboration with agents, claimants, and law enforcement, with opportunities for growth in a supportive, equal-opportunity environment.

Qualifications

• High school diploma or equivalent required.
• Bachelor’s degree preferred.
• Active All Lines Adjuster license required, or ability to obtain licensure.
• If not licensed, licensure during training is a condition of employment.

Responsibilities

• Investigates liability, confirms coverage, establishes damages, and negotiates settlements.
• Adjusts claims including bodily injury, property damage, multiple lines, and property.
• Inspects damaged property and estimates repair costs.
• Determines subrogation potential and reports fraud as required.
• Mentors less experienced staff and represents the company professionally.

Skills

Communication Skills

PC Literate

Driver's license

Bondable

Education

High school diploma or equivalent

Bachelor’s degree preferred

All Lines Adjuster license

Licensure by TX/FL/OK 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.

Ready to make your mark? Discover our vibrant culture and explore career opportunities at www.Farmers.com/careers/corporate. Connect with us on Instagram, LinkedIn and TikTok, and let’s build something incredible together!

Workplace: Hybrid ( ), Remote ( )

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.

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, and property.
• 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.
• Reports theft, fraud and arson losses as required to state and industry agencies.
• 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 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

BendingPullingSorting 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.
• An active All Lines Adjuster license is required, or the ability to obtain licensure. Texas, Florida, or Oklahoma home-state license preferred.
• If not currently licensed, obtaining and passing the All Lines Adjuster licensing requirements during training is a condition of employment

Experience Requirements

• Minimum of 1-3 years of injury claims handling experience, including investigation, evaluation, and resolution of injury-related claims.
• Successful demonstration/completion of the Claims Representative prerequisites, proficiencies, and exams, as required based on unit assignment.

Special Skill Requirement

Communication Skills Personal Computer Literate Valid driver's license Bondable

Benefits

• Farmers offers a competitive salary commensurate with experience, qualifications and location.
• CA Only: $70,304 - $110,000
• CO & ME: $60,750 - $95,150
• HI/IL/MN/VT Only: $60,750 - $101,750
• MA Only: $60,750 - $101,750
• o MD & VA: $60,750 - $101,750
• DC/NJ/NY/OH Only: $62,353 - $110,000
• Albany County, NY/Cleveland, OH: $64,875 - $95,150
• WA Only: $80,168 - $115,625
• Bonus Opportunity (based on Company and Individual Performance)
• 401(k)
• Medical
• Dental
• Vision
• Health Savings and Flexible Spending Accounts
• Life Insurance
• Paid Time Off
• Paid Parental Leave
• Tuition Assistance
• For more information, review “What we offer” on https://www.farmers.com/careers/corporate/#offer

Job Location(s)

Hybrid work arrangement preferred at one of the following Farmers Corporate Office Locations: Phoenix, AZ; Kansas City, KS; Caledonia, MI; Oklahoma City, OK; or St. Louis, MO.

Remote may be considered.

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 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.

Want to learn more about our culture & opportunities? Check out www.Farmers.com/careers/corporate and be sure to follow us on Instagram LinkedIn and TikTok.

Spokane, WA only: Residents who prefer not to provide their address click here to submit your resume via email: [e-mail]