Commercial General Liability Claims Representative

CNA Insurance; Melville (NY); Hybrid; USD 47,000 - 78,000; Full time

Benefits offered by this job

Comprehensive benefits package

Flexible working schedule

Career advancement opportunities

Job summary

CNA Insurance in Melville is looking for an individual contributor to manage commercial claims of low to moderate complexity. The role involves investigating claims, ensuring customer satisfaction, and maintaining documentation. Ideal candidates will possess strong customer service and analytical skills. A high school diploma is required, and an associate's or bachelor's degree is preferred. The position offers a flexible hybrid work schedule and the potential for career advancement within the company.

Qualifications

• Good verbal and written communication skills with empathy.
• Ability to manage multiple priorities in a fast-paced environment.
• Knowledge of commercial insurance industry is developing.

Responsibilities

• Manage commercial claims of low to moderate complexity.
• Investigate, evaluate, and resolve claims according to company protocols.
• Maintain appropriate file documentation and ensure timely updates.

Skills

Customer service skills

Analytical mindset

Communication skills

Judgment and decision making

Organizational skills

Collaboration

Education

High school Diploma

Associates or Bachelor's Degree

Tools

Microsoft Office Suite

Job description

You have a clear vision of where your career can go. And we have the leadership to help you get there. At CNA, we strive to create a culture in which people know they matter and are part of something important, ensuring the abilities of all employees are used to their fullest potential.

This individual contributor role operates under moderate direction and within defined authority limits to manage commercial claims of low to moderate complexity and exposure within the General Liability line of business. The position is responsible for investigating, evaluating, and resolving claims in accordance with company protocols, while meeting quality, timeliness, and customer service standards. The role requires regular communication with customers and insureds and may support designated accounts. This position offers a flexible, hybrid work schedule, requiring 2 days in a CNA office per week.

JOB DESCRIPTION

Essential Duties & Responsibilities

• Manages an inventory of low to moderate complexity and exposure commercial claims by following company protocols to verify policy coverage, gather necessary information, maintain appropriate file documentation and authorize disbursements within authority limit.
• Contributes to customer satisfaction by interacting professionally and effectively with insureds, claimants and business partners, achieving quality and cycle time standards, providing regular, timely updates and responding promptly to inquiries and requests for information.
• Verifies coverage and establishes timely and adequate reserves by reviewing and interpreting policy language, estimating potential claim valuation, and following company's claim handling protocols.
• Exercises judgment to determine liability and compensability by conducting investigations to gather pertinent information, taking recorded statements from insureds, witnesses and working with experts to verify the facts of the claim.
• Works with appropriate internal and external partners, suppliers and experts by identifying and effectively collaborating with necessary resources to facilitate best claim outcomes.
• Authorizes and ensures claim disbursements within authority limit by determining liability and compensability of the claim, negotiating settlements and escalating to manager as appropriate.
• Developing ability to manage expenses by timely and accurately resolving claims, selecting and actively overseeing appropriate resources, and delivering high quality service.
• Identifies and addresses subrogation/salvage opportunities or potential fraud occurrences by evaluating the facts of the claim and making referrals to appropriate Claim, Recovery or SIU resources for further investigation.
• Achieves quality standards on every file by following all company guidelines, achieving quality and cycle time targets, ensuring proper documentation and issuing appropriate claim disbursements.
• Maintains compliance with state/local regulatory requirements by following company guidelines and staying current on commercial insurance laws, regulations or trends for line of business.

May perform additional duties as assigned.

Reporting Relationship

Typically Manager or above.

Skills, Knowledge & Abilities

• Developing basic knowledge of the commercial insurance industry, products and claim practices.
• Good verbal and written communication skills with the ability to demonstrate empathy while providing exceptional customer service.
• Ability to develop collaborative business relationships with both internal and external work partners.
• Able to exercise independent judgment, solve basic problems and make sound business decisions.
• Analytical mindset with critical thinking skills.
• Strong work ethic, with demonstrated time management and organizational skills.
• Ability to manage multiple priorities in a fast‑paced, collaborative environment at high levels of productivity.
• Knowledge of Microsoft Office Suite and ability to learn business‑related software.
• Adaptable to a changing environment.
• Ability to value diverse opinions and ideas.

Education & Experience

• High school Diploma required. Associates or Bachelor's Degree preferred.
• Must have or be able to obtain and maintain an Insurance Adjuster License within 90 days of hire, where applicable.
• Prior claim handling or business experience in the insurance industry and/or customer service is preferred.

In certain jurisdictions, CNA is legally required to include a reasonable estimate of the compensation for this role. In District of Columbia, California, Colorado, Connecticut, Illinois, Maryland, Massachusetts, New York and Washington, the national base pay range for this job level is $47,000 to $78,000 annually. Salary determinations are based on various factors, including but not limited to, relevant work experience, skills, certifications and location. CNA offers a comprehensive and competitive benefits package to help our employees – and their family members – achieve their physical, financial, emotional and social wellbeing goals. For a detailed look at CNA’s benefits, please visit cnabenefits.com.

CNA is committed to providing reasonable accommodations to qualified individuals with disabilities in the recruitment process. To request an accommodation, please contact [e-mail].