Marine Claims Adjuster

The Hanover Insurance Group; Massachusetts; Remote; USD 55,000 - 85,000; Full time

Benefits offered by this job

Medical, dental and vision insurance

401K with company match

Tuition reimbursement

PTO and holidays

Flexible work arrangements

Job summary

The Hanover Insurance Group is seeking a Service Claims Adjuster to join our Inland Marine team in a remote, full-time role. The position focuses on analyzing, investigating and resolving minimal to moderately complex marine inside property and liability claims with exposures up to $25,000.

You will handle assignments with discretion, interpret contracts, and communicate effectively with stakeholders while maintaining regulatory and company standards.

Qualifications

• 2-3 years of relevant claim handling experience.
• Associate degree required; bachelor’s degree preferred or equivalent.
• Must have or obtain appropriate state adjuster license(s) and CE credits.
• Strong understanding of marine or inland marine markets.
• Proficient reading of business contracts and loss scoping.

Responsibilities

• Handle minimal to moderately complex marine inside property and liability claims.
• Primarily manage claims with exposures up to $25,000.
• Work within defined authority on moderately technical assignments.
• Use discretion and independent judgment in claim handling.
• Identify potentially suspicious or fraudulent claims.
• Maintain strong communication with internal and external parties.

Skills

Claims handling

Marine insurance

Negotiation

Communication skills

Analytical thinking

Time management

Contract interpretation

CMX

PMS

MS Office

Education

Associate degree

Bachelor's degree

Tools

CMX

PMS

MS Office

Excel

Word

Job description

For more than 170 years, The Hanover has been committed to delivering on our promises and being there when it matters the most. We live our values every day, demonstrating we CARE through our values, Sustainability initiatives and inclusive corporate culture.

Our Property Claims team is currently seeking a Service Claims Adjuster to join our Inland Marine team. This is a Remote, Full-time/Exempt role.

POSITION OVERVIEW:

An experienced claims handler who is seeking a more diverse claim load would be responsible for the analysis, investigation, evaluation, negotiation and resolution of minimal to moderately complex claims requiring thorough investigations including telephone contacts with the involved parties; technical expertise and complex analysis. Claim assignments are regional and may involve both personal and commercial customers relative to contractors’ equipment/tools, musical instruments, firearms, HAAM radios, among other varied programs.

IN THIS ROLE, YOU WILL:

• Handle minimal to moderately complex marine inside property and liability claims
• Primarily handle claims with exposures up to $25,000
• Handle marine and inland marine claims written under Residential Builders Risk, Ocean Marine, Boat Dealers & Owned Boats, Fine Art & Valuables, Musical Instruments & Dealers, Motor Truck Cargo LL & Transportation, Warehouse Legal Liability, Contractors Equipment & Equipment Dealers, and Railroad Rolling Stock
• Works within specific limits and authority on assignments of moderate technical complexity
• Uses discretion and independent judgment in claim handling
• Identifies possibly suspicious claims
• Possesses demonstrated technical knowledge and skills, including product and industry, reflective of successful progression through various job family levels and/or experience in a related business market.
• Claims handled will be of minimal to moderate complexity and will require a higher level of investigation, analysis, evaluation and negotiation including interpretation of commercial coverages
• Claims handled will involve minimal to moderate complexity, severity and exposures
• Authority levels are in recognition of the proficiency associated with this level

WHAT YOU NEED TO APPLY:

• Associate degree required; bachelor's degree preferred or combination of education and experience.
• Typically has 2-3 years of relevant experience in claim handling
• Must have or secure and maintain appropriate state adjuster license(s) and continuing education credits
• Commitment to on-going professional development in the marine or business market-place
• Able to read and interpret business contracts
• Demonstrates or is working toward core commercial loss scoping and estimating skills
• Demonstrates a base understanding of the Marine and Inland Marine classes of business, including the nationwide definition of Inland Marine
• Cultivates an environment of business ownership
• Dedicated to meeting the expectations and requirements of internal and external customers
• Makes decisions in an informed, confident and timely manner
• Maintains constructive working relationships despite differing perspectives
• Considers the perspectives of others and gives them credibility
• Strong organizational and time management skills
• Ability to negotiate skillfully in difficult situations with both internal and external groups. Demonstrates ability to win concessions without damaging relationships.
• Demonstrates strong written and verbal communication skills. Promotes and facilitates free and open communication.
• Understanding of applicable statutes, regulations and case law
• Thinks critically and anticipates, recognizes, identifies and develops solutions to problems in a timely manner
• Easily adapts to new or different changing situations, requirements or priorities
• Cultivates an environment of teamwork and collaboration
• Computer experience (MS Office, excel, word, etc)
• Proficient using Claims systems (i.e. CMX, PMS, etc.)
• May be required to have and maintain sufficient home-based internet connection

This job posting provides cursory examples of some of the job duties associated with this position. The examples provided are not complete, and the position may entail other essential and job-related functions and responsibilities that employees will be required to perform.

CAREER DEVELOPMENT:

It’s not just a job, it’s a career, and we are here to support you every step of the way. We want you to be successful and fulfilled. Through on-the-job experiences, personalized coaching and our robust learning and development programs, we encourage you – at every level – to grow and develop.

BENEFITS:

We offer comprehensive benefits to help you be healthy, build financial security, and balance work and home life. At The Hanover, you’ll enjoy what you do and have the support you need to succeed.

• Medical, dental, vision, life, and disability insurance
• 401K with a company match
• Tuition reimbursement
• PTO
• Company paid holidays
• Flexible work arrangements
• Cultural Awareness Day in support of IDE
• On-site medical/wellness center (Worcester only)

EEO statement:

The Hanover values diversity in the workplace and among our customers. The company provides equal opportunity for employment and promotion to all qualified employees and applicants on the basis of experience, training, education, and ability to do the available work without regard to race, religion, color, age, sex/gender, sexual orientation, national origin, gender identity, disability, marital status, veteran status, genetic information, ancestry or any other status protected by law.

Furthermore, The Hanover Insurance Group is committed to providing an equal opportunity workplace that is free of discrimination and harassment based on national origin, race, color, religion, gender, ancestry, age, sexual orientation, gender identity, disability, marital status, veteran status, genetic information or any other status protected by law.”

As an equal opportunity employer, Hanover does not discriminate against qualified individuals with disabilities. Individuals with disabilities who wish to request a reasonable accommodation to participate in the job application or interview process, or to perform essential job functions, should contact us at:[e-mail] and include the link of the job posting in which you are interested.

Privacy Policy:

To view our privacy policy and online privacy statement.

Compensation:

The target hiring range for this role may vary based on geographic location and other factors, including merit or performance, demonstrated proficiency, skills for the role, education, travel requirements, and experience. Additional compensation may include an annual bonus (which could take the form of a general bonus, sales incentive, or short-term incentive), long-term incentive or spot recognition awards. The posted range reflects our ability to hire at different position titles and levels depending on background and experience.