Complex Commercial Claims Adjuster

WCF Insurance Company; Wallace Heights (UT); Hybrid; USD 89,000 - 111,000; Full time

Benefits offered by this job

Medical, dental, and vision insurance

401K with 6% employer match

Employee Assistance Program (EAP)

Paid time off to volunteer

Job summary

WCF Insurance seeks an experienced claims professional to manage complex bodily injury cases, including catastrophic injuries. Candidate will investigate thoroughly, review records, assess liability and coverage, and work with legal counsel on litigation.

This role requires licensing ability and at least five years of complex claims and litigation experience, with strong written and verbal communication. The incumbent will coordinate with underwriting, product and legal teams to improve loss

Qualifications

• Bachelor’s degree or AIC designation required.
• 5+ years handling complex claims and litigation in commercial insurance.
• Experience with construction liability, D&O, and E&O claims a plus.
• Strong knowledge of tort law, policy contracts, and litigation procedures.
• Ability to interpret medical records and legal filings.
• Excellent written and verbal communication; strong organizational skills.

Responsibilities

• Manage a caseload of complex bodily injury claims including catastrophic cases.
• Conduct thorough investigations using police reports, medical records, and witnesses.
• Assess liability, damages, and coverage to guide claim decisions.
• Collaborate with legal counsel on mediations, depositions, trials as needed.
• Negotiate settlements within authority while balancing cost and resolution.
• Provide feedback on loss trends to underwriting and product teams.

Skills

Claims handling

Litigation management

Negotiation

Regulatory compliance

Communication skills

Time management

Research & analysis

Education

Bachelor’s degree or AIC designation

Job description

Position Overview

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.

Location

Candidates 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.

Licensing

This 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 Functions

• Manage 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.

Qualifications

• Bachelor’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.

Benefits

WCF Insurance offers an extensive compensation package.

• Medical, dental, and vision insurance.
• Company paid life insurance 401K with a generous 6% employer match
• Employee Assistance Program (EAP)
• Time off to volunteer in the local community
• All 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.

Values

The 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 Conditions

This 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 People

WCF strives to provide an excellent work experience and cultivate an inclusive environment where anyone who embodies our values will thrive.

Equal Opportunity Employer

WCF Insurance is an Equal Opportunity Employer WCF 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.

About Us

WCF Insurance is an innovative property and casualty insurance provider that serves the Western United States. Every day our dedication is to the people who make our communities thrive - from the amazing businesses we insure, to our incredible agency partners, to our fantastic employees, and the non‑profits we support. We strive to make a lasting impact by continuing to make investments in the region and protecting the communities within it.