Complex Commercial Claims Adjuster

Wcf-Insurance; Wallace Heights (UT); On-site; USD 89,000 - 111,000; Full time

Benefits offered by this job

Medical insurance

Dental insurance

Vision insurance

Life insurance

401K with match

Employee Assistance Program

Vacation time

Job summary

WCF Insurance is seeking a Complex Commercial Claims Adjuster to manage a high‑exposure caseload, conduct thorough investigations, and determine liability and coverage. The role collaborates with defense counsel and internal teams to drive favorable outcomes.

The ideal candidate has 5+ years in complex claims, strong negotiation and litigation experience, and a solid understanding of commercial insurance principles.

Qualifications

• Bachelor’s degree or AIC designation required.
• 5+ years of experience handling complex claims and litigation.
• Strong knowledge of commercial insurance principles and litigation processes.

Responsibilities

• Manage a caseload of complex bodily injury claims, including catastrophic cases.
• Conduct thorough investigations using reports, medical records, and statements.
• Assess liability, damages, and coverage to drive claim decisions.
• Collaborate with legal counsel in litigation management, mediations, depositions, and trials as needed.
• Negotiate settlements within authority while balancing cost efficiency and outcomes.

Skills

Complex claims handling

Litigation coordination

Negotiation skills

Communication skills

Regulatory compliance

Education

Bachelor’s degree or AIC designation

Job description

WCF Insurance is an “A” rated, innovative property and casualty carrier with more than a century of experience serving businesses across the Western United States. Since 1917, we have built our reputation on doing the right thing, being great at what we do, and helping others succeed. As we continue to grow, we are looking for individuals who share these values and want to contribute to delivering an excellent insurance experience.Position OverviewThe Complex Commercial Claims Adjuster is a full-time, exempt position reporting to the Manager, Commercial Liability Claims. This role investigates, documents, and determines coverage and liability for high-exposure, complex, and litigated commercial general liability and auto claims. The adjuster manages claims through resolution, collaborates with defense counsel and other stakeholders, and supports effective claim outcomes consistent with company policies and regulatory requirements.LocationCandidates who are able to work out of WCF's Sandy, Utah headquarters are preferred. Candidates able to commute to one of our regional offices in Phoenix, AZ; Las Vegas, NV; Englewood, CO; or Meridian, ID are welcome. Remote candidates residing in Arizona, Nevada, Colorado, or Idaho will also be considered.LicensingThis position requires the ability to obtain and maintain the appropriate insurance adjuster license(s), including any licenses required in states of operation if not already held.Essential Job FunctionsManage a caseload of complex bodily injury claims, including those involving catastrophic injuries and fatalities.Conduct thorough investigations, including reviewing police reports, medical records, expert evaluations, and witness statements.Assess liability, damages, and coverage to make strategic claim decisions.Collaborate with legal counsel in litigation management, including attending mediations, depositions, and trials as necessary.Evaluate and negotiate settlements within authority limits while balancing cost efficiency and claim resolution.Communicate effectively with policyholders, claimants, attorneys, and other involved parties.Ensure compliance with company policies, regulatory requirements, and best practices.Provide recommendations on reserve adjustments based on claim developments.Work with internal teams, including underwriting, product, and legal, to provide feedback on loss trends and potential risk factors.May act as a department trainer regarding the handling of complex injury claims and the litigation process.QualificationsBachelor’s degree or AIC designation.At least 5 years of experience handling complex claims and litigation in commercial insurance.Experience with construction liability, D&O, and E&O claims is a plus.Advanced understanding of state-specific unfair claims practices regulations, policy contracts, and commercial insurance principles.Strong knowledge of tort law, insurance coverage, litigation procedures, and negotiation strategies.Knowledge of general liability coverage and related insurance principles.Ability to interpret medical records, accident reconstruction reports, and legal filings.Strong understanding of medical, automotive, and liability terminology and concepts.Ability to communicate effectively, both orally and in writing.Exceptional organizational, time management, and decision-making skills.BenefitsWCF Insurance offers an extensive compensation package. Benefits include:Medical, dental, and vision insurance.Company paid life insurance401K with a generous 6% employer matchEmployee Assistance Program (EAP)Time off to volunteer in the local communityAll employees earn 4 weeks of vacation their first year.The expected salary range for this position is 89,100.00-111,300.00. This salary range depends on experience, education, and location for this specific position.Current WCF EmployeesPlease apply through the \"Internal Job Postings\" tab within your employee Workday account.ValuesThe person in this position must demonstrate the WCF values of doing the right thing, being great at your job, and helping others succeed to fulfill the company’s mission of excellence.Working ConditionsThis position is based in an office environment with adequate temperature and lighting control. There are no known hazardous or unpleasant conditions caused by noise, dust, or other environmental factors. There are potentially high-stress situations that require meeting deadlines. The employee must meet the job attendance requirements for this position.Our PeopleWCF strives to provide an excellent work experience and cultivate an inclusive environment where anyone who embodies our values will thrive.WCF Insurance is an Equal Opportunity EmployerWCF Insurance provides equal employment opportunity to all qualified applicants and employees regardless of race, color, religion, sex, age, national origin, veteran status, disability that can be reasonably accommodated, or any other basis prohibited by federal, state, or local law.