P&C Claim Representative III

Davies North America; Baltimore (MD); On-site; USD 72,000 - 77,000; Full time

Benefits offered by this job

401(k) with employer matching

Paid time off (PTO)

Paid holidays

Life insurance

Job summary

Davies North America is seeking an experienced Property & Casualty Claims Representative III in Baltimore, MD to investigate, evaluate, negotiate, and resolve complex claims arising from transit operations.

You will independently manage a caseload of 150–175 files with reserves typically $25,000+ while maintaining regulatory compliance and high customer service standards.

Qualifications

• Bachelor's degree preferred; or high school diploma with claims handling experience.
• 2–4 years of automobile liability, bodily injury, property damage or general liability claims experience.
• Experience with high-exposure claims and caseloads is a plus.
• Strong negotiation, investigative and analytical skills.

Responsibilities

• Independently investigate, evaluate, negotiate, and resolve complex auto liability, property damage, and bodily injury claims.
• Manage a high-volume caseload (150–175 claims) arising from transit operations.
• Review reports, records and documentation to determine liability and reserve levels.
• Coordinate with defense counsel and participate in litigation management when needed.
• Prepare detailed claim summaries and reports for management and clients.

Skills

Investigation

Negotiation

Interviews

Case management

Regulatory compliance

Communication

Detail orientation

Time management

Education

Bachelor's degree preferred

High school diploma or equivalent

Tools

Claims management system

Microsoft Office

Job description

Department: Claims Administration & Adjusting

Location: Baltimore, MD

Compensation: $71,760 - $77,250 / year

Our Story

Imagine being part of a team that’s not just shaping the future but actively driving it. At Davies North America, we’re at the forefront of innovation and excellence, blending cutting‑edge technology with top‑tier professional services. As a vital part of the global Davies Group, we help businesses navigate risk, optimize operations, and spearhead transformation in the insurance and regulated sectors.

We are seeking an experienced Property & Casualty Claims Representative III to investigate, evaluate, negotiate, and resolve complex property damage and bodily injury claims arising from transit operations. This role is responsible for independently managing a high-volume caseload while delivering exceptional service, maintaining regulatory compliance, and driving timely claim resolution.

The Property & Casualty Claims Representative III is an advanced-level claims professional responsible for handling complex automobile liability, property damage, bodily injury, and general liability claims. The successful candidate will independently manage a caseload of approximately 150–175 claim files involving multiple claimants and exposures, with claim values typically reserved at $25,000 or greater.

This role requires strong investigative skills, sound judgment, effective negotiation abilities, and experience handling higher‑severity liability claims through resolution.

Key Responsibilities

• Independently investigate, evaluate, negotiate, and resolve automobile liability, property damage, bodily injury, and general liability claims.
• Manage an active caseload of approximately 150–175 claims arising from transit operations.
• Analyze coverage, liability, causation, and damages to determine claim exposure and appropriate resolution strategies.
• Conduct claimant, witness, and insured interviews to obtain facts and complete investigations.
• Review accident reports, medical records, repair estimates, photographs, and other supporting documentation.
• Establish, maintain, and adjust reserves in accordance with company and client guidelines.
• Negotiate settlements with claimants, attorneys, vendors, and other parties involved in the claim process.
• Identify and elevate complex or high‑exposure claims as appropriate.
• Coordinate with defense counsel and participate in litigation management activities when necessary.
• Prepare detailed claim summaries, evaluations, and reports for management and clients.
• Maintain timely and accurate claim file documentation and diary management.
• Ensure compliance with all applicable regulations, client requirements, and claims handling standards.
• Deliver high‑quality customer service while maintaining professionalism and empathy during difficult claim situations.
• Perform additional duties and responsibilities necessary to support operational and client service objectives.

Skills, knowledge & expertise

• Bachelor's Degree from an accredited college or university preferred; or
• High School Diploma or equivalent with relevant claims handling experience.
• Minimum of 2 years of experience handling automobile liability, bodily injury, property damage, or general liability claims with a bachelor's degree; or
• Minimum of 4 years of experience investigating, evaluating, negotiating, and resolving automobile property damage, bodily injury, and general liability claims.
• Experience handling moderate to complex liability claims with exposure levels typically reserved at $25,000 or greater.
• Prior experience managing high‑volume caseloads preferred.
• Experience within a public sector, transportation, transit, municipality, or TPA environment is a plus.
• Strong understanding of liability claims investigation and evaluation techniques.
• Working knowledge of bodily injury claim handling, damage assessment, and settlement practices.
• Excellent negotiation and conflict resolution skills.
• Ability to analyze complex liability and damages issues.
• Strong organizational and time management skills with the ability to prioritize competing demands.
• Excellent written and verbal communication skills.
• Proficiency with claims management systems and Microsoft Office applications.
• Ability to work independently while maintaining quality and productivity standards.
• Strong attention to detail and sound decision‑making abilities.

Equal Employment Opportunity & Legal Notices

Benefits

At Davies North America, we are dedicated to supporting the well‑being and future of our qualifying employees. Our comprehensive benefits package includes:

• Medical, dental, and vision plans to support your health and that of your family
• A 401(k) plan with employer matching
• Time‑off policies, including Discretionary Time Off (DTO) for exempt employees and Paid Time Off (PTO) for non‑exempt employees
• Paid holidays
• Life insurance and short‑term and long‑term disability coverage

Benefit offerings, eligibility, and required employer contributions may vary based on role, classification, and applicable federal, state, and local laws, including those tied to an employee’s primary work location.

Where required by law, the Company provides paid sick leave, paid family and parental leave, and other mandated benefits in accordance with applicable state and local requirements.

Diversity and Inclusion

Davies is dedicated to fostering a diverse and inclusive workplace that embraces a wide range of perspectives and experiences. We believe that diversity of thought is essential for innovation and creativity, and we actively promote an environment where all voices are valued and heard.

Compensation Transparency:

The salary range listed reflects the full compensation band for this role across all locations. Actual compensation will be based on factors such as skills, experience, qualifications, and geographic location, which may impact the final offer. We share ranges to remain transparent and consistent with pay equity practices.

Background Check & Fair Chance Compliance

Any background check or review of criminal history, if applicable to the role, will be conducted only after a conditional offer of employment and in compliance with applicable federal, state, and local laws, including fair‑chance hiring requirements.

Massachusetts Notice

It is unlawful in Massachusetts to require or administer a lie detector test as a condition of employment or continued employment. An employer who violates this law shall be subject to criminal penalties and civil liability.