Multi-Line Claim Adjuster - Subrogation

Merchants Mutual Insurance; Buffalo (NY); Hybrid; USD 60,000 - 75,000; Full time

Benefits offered by this job

Hybrid work schedule

Competitive pay and equity component

Generous paid time off

Job summary

Merchants Insurance Group is seeking a Multi-Line Claim Adjuster - Subrogation in Buffalo, NY, joining the Claims Legal team. The role focuses on developing subrogation opportunities across property, auto, WC, PIP and general liability.

You will work with internal staff, policyholders, attorneys, and providers to recover benefits, while maintaining strong service and timely investigations in a hybrid schedule.

Qualifications

• Requires a 4-year degree or equivalent work experience.
• 3+ years of claims adjusting experience with subrogation exposure.
• Strong knowledge of property, auto, and liability claim handling.
• Excellent negotiation, investigation, and analytical skills.
• Strong written and verbal communication skills.
• Ability to manage multiple files and meet deadlines in a fast-paced environment.
• Experience coordinating with legal counsel on recovery litigation.

Responsibilities

• Cultivate relationships with claims staff, policyholders, attorneys, agents and service providers to optimize recoveries.
• Manage subrogation files from initial identification through recovery with timely investigation and documentation.
• Evaluate liability, damages, and recoverability to determine recovery viability.
• Ensure timely investigation and equitable recovery of assigned multi-line and subrogation claims.
• Provide high levels of customer service while managing a portfolio of subrogation claims.
• Maintain appropriate reserves in line with company philosophy.

Skills

Subrogation experience

Claims adjusting

Negotiation

Investigation

Analytical skills

Written communication

Verbal communication

Time management

Education

4-year degree or equivalent

Tools

WINs

ImageRight

Job description

Description

Hybrid Work Schedule

Merchants Insurance Group is a leading Property and Casualty Insurer in the Northeast and is looking for a Multi-Line Claim Adjuster - Subrogation to join our Claims Legal team located in Buffalo, New York.

The Multi-Line Claim Adjuster - Subrogation will become part of a dedicated claims team focusing on identifying, developing, and pursuing subrogation opportunities arising from multiple lines of business including property, auto, WC, PIP and general liability claims. This position interacts extensively with home office technical managers, internal colleagues as well as policyholders, agents, attorneys, appraisers, and a multitude of claim-related service providers.

Merchants Insurance Group is rated A- (Excellent) with a stable outlook by A.M. Best and is consistently recognized as a top employer and high-performing organization. Recent honors include:

• Best Places to Work in Western New York (Buffalo Business First, 2023–2026)
• Fast Track Company (2019–2025) and Top Private Company (2019–2025)
• Ward’s 50® top-performing property-casualty insurer (2021–2024)
• Ivans Spark Award for Innovation (2024–2025)
• Named to Newsweek and Statista’s America’s Most Reliable Companies list (2025), ranked among the top 300 of 1,500 B2B organizations evaluated

We offer a hybrid work schedule, requiring two full days per week in the office, with flexibility to work remotely or in office the remaining days. This model supports collaboration while providing flexibility and work-life balance.

Essential Duties and Responsibilities include, but are not limited to:

• Cultivating relationships with claims and other internal staff, policyholders, attorneys, agents and a variety of service providers and experts all while working towards achieving the most optimal outcomes for Merchants and our policyholders.
• Manages subrogation files from initial identification through recovery while ensuring timely investigation, evidence review, negotiation, documentation, and compliance with company standards.
• Evaluate liability, damages, and recoverability to determine the viability of pursuing recovery.
• Responsible for the timely investigation, evaluation and equitable recovery of all assigned multi-line claims and subrogation claims.
• Provides a high level of customer service while managing a portfolio of subrogation claims.
• Ensuring timely and accurate reserves consistent with established reserving philosophy and practices.

Qualifications & Skills:

• Qualified candidates will have a 4-year degree or equivalent work-related experience.
• 3+ years of claims adjusting experience with subrogation exposure.
• Working knowledge of property, auto, and liability claim handling.
• Strong knowledge of negligence principles, liability determination, and insurance coverage.
• Familiarity with arbitration forums such as Arbitration Forums, Inc.
• Excellent negotiation, investigation, and analytical skills.
• Strong written and verbal communication skills.
• Ability to manage multiple files and meet deadlines in a fast-paced environment.
• Experience coordinating with legal counsel on recovery litigation.
• Knowledge of evidence preservation and expert coordination.Experience with claim management systems (e.g., WINs, ImageRight, or similar platforms).

Merchants Insurance Group Pay information:

Merchants Insurance Group offers a competitive pay scale. The estimated salary for this role ranges from $60,000 - $75,000 based on leveling and geography, along with an equity component and a comprehensive benefits package. This range is merely an estimate; actual compensation may deviate from this range based on skills, experience and qualifications.

Merchants Insurance Group Benefits:

• Welcoming and positive work environment.
• Flexible work arrangements, including flex scheduling and summer hours.
• Hybrid work schedule. The Hybrid work schedule will require two full days per week in the office, with the option of working the remaining days per week at home or in the office.
• Competitive pay scale.
• Company bonus program.
• Generous paid time off package.
• Full Benefits: Health, Dental, Vision, Life Insurance, Short Term Disability, 401(k) employer match amount is 100% up to 6% of your annual contributions. You are immediately 100% vested in the employer match dollars.
• Tuition Reimbursement.

And many more exciting company benefits!!

Merchants Insurance Group is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability or veteran status. Merchants Insurance Group supports a safe workplace through pre-employment background screenings.

Preferred

Working knowledge of property, auto, and liability claim handling.

3 years:

3 years:3+ years of claims adjusting experience with subrogation exposure.

Equal Opportunity Employer
This employer is required to notify all applicants of their rights pursuant to federal employment laws.For further information, please review the Know Your Rights notice from the Department of Labor.