Licensed Claims Adjuster

Marketing - 316; United States; On-site; USD 60,000 - 85,000; Full time

Job summary

Cover Genius in the United States is seeking a Claims Specialist to assess and settle claims within designated authority, ensuring timely processing and accurate queue management. The role emphasizes attention to detail, organization, and ownership.

You will review claims via the XClaim platform, collaborate with Support, Content and Complaints teams to meet SLAs and NPS, and uphold insurance guidelines and regulatory requirements.

Qualifications

• 0–2 years experience handling customer queries online, ideally with litigations.
• Active U.S. state Adjuster License in good standing (multi-state or reciprocal licenses preferred).
• Fluency in English (verbal & written); any additional language is a plus for external communications.
• Basic understanding of insurance products and terminology.
• Collaborative mindset with ability to guide junior or non-licensed team members.

Responsibilities

• Claims Processing: Manage day-to-day claims activities for new claims, including claims actions, emails, and payments.
• Ownership: Own the assessment and approval of new claims within the authority and fraud thresholds.
• Customer Communication: Handle inquiries regarding claims status and policy coverage via chat, phone or email.
• Documentation: Ensure all necessary documentation is collected and filed accurately in the system.
• Quality: Maintain quality to meet KPIs and SLAs.
• Collaboration: Communicate with Claims, Support and other teams to resolve claims efficiently.
• Compliance: Be aware of current insurance guidelines and regulations.
• Process Improvement: Identify and recommend improvements to enhance handling efficiency.

Skills

Customer queries

Adjuster license

English fluency

Insurance terms

Collaboration

Education

Bachelor’s or postgraduate degree

Job description

About the Company

Valued at $1.9B following a recent $100M capital raise led by Vista Credit Partners, Cover Genius is the premier global infrastructure platform for embedded protection. Operating across 60+ countries and all 50 US states, our B2B2C technology seamlessly connects over 200 partner platforms - including industry giants like Uber, Booking.com, Klarna, and eBay- with 50+ global insurance carriers to protect 70+ million customers at the point of sale.

Coming off a stellar year with 50% YoY revenue growth, over $3B in cumulative gross sales, and 240 million policies issued, we are accelerating into our next phase of scale. As part of our team, you’ll help drive our AI-first roadmap- developing hyper-personalization engines, agentic distribution, and automated claims infrastructure- while building the scalable technology powering the fast-growing $70B embedded protection market.

Our people are: Accountable, customer-obsessed, collaborative, driven

Our people are not: Passive, defensive, siloes-driven, hesitant

About the Role

As a Claims Specialist within our Customer Team, you will be responsible for the assessment and settlement of claims, operating within your designated settlement authority. You will ensure the timely processing and orderly management of your claims queue. To excel in this role, meticulous attention to detail, strong organizational abilities, and effective time management skills are essential, alongside a profound sense of responsibility and ownership.

The Claims Specialist will review and evaluate customer claims via our proprietary XClaim platform, aiming for rapid resolution and prompt payment. Consistent collaboration with the Support team, as well as the Content and Complaints team, will be crucial for achieving established Service Level Agreements (SLAs) and Net Promoter Scores (NPS).

Key Responsibilities

• Claims Processing: Manage day-to-day claims activities for new claims, including claims actions, emails, and payments.

• Ownership: Own the assessment and approval of new claims within the authority and fraud thresholds.

• Customer Communication: Handle customer inquiries regarding claims status and policy coverage via chat, phone or email. Build rapport with customers to speed up claim’s resolution and process claims payments.

• Documentation: Ensure all necessary documentation is collected and filed accurately in the system.

• Quality: Maintain the quality of our work ensuring accuracy to meet business, team and individual KPIs.

• Collaboration: Own the communication with all relevant stakeholders (Claims, Support) to resolve claims efficiently and ensure the best customer experience.

• Compliance: Be aware of current insurance guidelines, policy updates, and regulations.

• Follow company guidelines and local regulations to ensure claims are handled fairly and ethically.

• Process Improvement: Identify and recommend process improvements to enhance claims handling efficiency and operations.

Skills & Experience

• 0-2 years experience handling customer queries online, ideally with litigations.

• Active U.S. state Adjuster License in good standing (multi-state or reciprocal licenses preferred).

• Fluency in English (verbal & written) is essential for communicating internally and externally. Any other European language will be highly regarded for external communications.

• Basic understanding of insurance products and terminology.

• Collaborative mindset with the ability to provide technical guidance and support to junior or non-licensed team members.

• Bachelor’s or postgraduate degree in a related field or equivalent is desirable.

What you will have:

• Time Management

• Organisation

• Attention to Detail

• Demonstrates resilience

• Learning orientation

• Relationship building skills

• Communication Skills

Why Cover Genius?

Geniuses create magic, and who doesn’t like magic! Our values aren’t posters on the wall- they shape how we think, work, and approach each day. Our Operating Principles guide our mission:

• Make Today Matter: We move with urgency, act decisively, and focus on delivering meaningful results. Progress comes from taking action.

• Act with Accountability: We own our commitments, follow through, and take pride in delivering work that moves our business- and each other- forward.

• Grow Together: Learning never stops. We share knowledge openly, celebrate wins, learn from setbacks, and help one another improve every day.

• Inspire Each Other: Great ideas can come from anyone. We challenge one another respectfully, think boldly, and work as one team to achieve more than we could individually.

• Champion Our Customers: Everything starts with the customer. We lead with empathy and build solutions that turn complex problems into seamless experiences people trust.

Ready to make an impact?

If you’re looking for a place where you’ll be challenged, trusted, and empowered, we’d love to meet you.

The Legal & Privacy Stuff

Cover Genius promotes diversity and inclusivity. We don’t tolerate discrimination, demeaning treatment of anyone, or harassment due to race, national origin, gender, gender identity, sexual orientation, protected veteran status, disability, age, or any other legally protected status.

By submitting your application, you acknowledge that we may collect, store, and process your personal data for recruitment purposes. To ensure a fair evaluation, we may use AI to assist in sorting applications, but all final decisions are made by our hiring team and no candidate dispositions are automated. We will keep your information on file for three years from the date of your application. For detailed information about how we handle your data and our use of AI, please review our full Privacy Policy.