Claims Examiner- Personal Lines

USLI; Charleston (SC); On-site; USD 60,000 - 90,000; Full time

Benefits offered by this job

Performance-based bonuses

100% medical benefits for full-time employees

Free lunch onsite

Annual personal and professional development courses

Professional development courses

Job summary

A leading insurance company based in Charleston is seeking an Associate Claims Examiner to evaluate claims and manage investigations. You will work with various stakeholders to ensure thorough claim analysis and effective negotiation. The role offers competitive benefits, including 100% medical coverage for full-time employees and five remote workdays per month.

Qualifications

• 2+ years of relevant experience for Associate Claims Examiner.
• 7+ years of relevant experience for Claims Examiner.
• Experience in personal lines claims handling is preferred.
• Multi-jurisdictional experience is a plus.

Responsibilities

• Evaluate coverage by reviewing first notice of loss and policy details.
• Conduct detailed investigations into claims.
• Manage claim files and negotiate settlements.
• Prepare reserve authority requests and reports.
• Maintain accurate reserves reflecting liability and damages as claims develop.
• Proactively manage claim files, negotiate settlements with claimants or attorneys, oversee defense counsel, and manage litigation.

Skills

Analytical problem-solving

Effective communication

Negotiation skills

Organizational skills

Technical knowledge of insurance

Education

Bachelor's degree in relevant field

JD or advanced degree a plus

Job description

About Us:

At USLI, we’re not just about insurance — we are committed to making a difference, both internally and externally. Our community is built upon five values: Caring, Attitude, Respect, Empathy and Energy. Our commitment to these values leads us to make better decisions and furthers our true sense of community. By joining our team, you'll be part of a vibrant organization that values innovation, collaboration, and growth. Here, you’ll have the opportunity to shape the future of insurance and make a meaningful impact.

Your Role:

You’ll play a critical role in evaluating coverage, liability, and damages for each unique claim. You’ll collaborate across teams and with external stakeholders to effectively investigate, negotiate, and resolve claims.

Key Responsibilities:

• Coverage review: Confirm coverage by reviewing the first notice of loss and policy details; prepare disclaimers and reservation of rights letters as necessary.
• Thorough investigation: Conduct detailed investigations into claims, including liability and damages assessment, witness interviews, scene inspections, and evidence collection.
• Independent adjusters: Retain and provide directions to independent adjusters while managing all aspects of the investigation process.
• Liability analysis: Apply statutory and case law to evaluate liability exposure and ensure joint tortfeasors contribute their fair share.
• Reserve maintenance: Maintain accurate reserves reflecting liability and damages as claims develop.
• File management: Proactively manage claim files, negotiate settlements directly with claimants or attorneys, oversee defense counsel, and ensure effective litigation management.
• Reporting: Prepare comprehensive reserve authority requests, reinsurance reports, serious loss reports, and coverage position letters.
• Cross-team collaboration: Provide updates and collaborate with underwriting, compliance, and actuarial teams to maintain healthy products.

What You’ll Bring:

• Problem-solving skills: Analytical and creative problem‑solving capabilities with a focus on liability and damage evaluation.
• Communication: Strong oral and written communication skills to effectively interact with all stakeholders.
• Negotiation expertise: Assertive decision‑making with effective negotiation and conflict management skills.
• Organization: Strong organizational and time management skills to manage multiple priorities efficiently.
• Technical knowledge: Familiarity with insurance coverage, negligence law, and claim evaluation processes.

Qualifications:

• 2+ years of relevant experience for Associate Claims Examiner.
• 7+ years of relevant experience for Claims Examiner.
• Previous experience as an examiner, adjuster, paralegal, attorney, or in other transferable roles.
• Personal lines experience: Experience in personal lines claims handling is preferred.
• Liability and jurisdiction knowledge: Multi‑jurisdictional experience and advanced degrees or JD are a plus.

Position affords 5 days per month to work remotely.

What We Offer:

One of the advantages of working at USLI is the competitive salary and benefits program we offer full‑time and eligible part‑time employees. Benefits include performance‑based triannual bonuses, medical benefits paid at 100% for full‑time employees and 80% for eligible part‑time employees, a profit‑sharing program, free lunch every day while onsite, and more than 450 annual personal and professional development courses.

Why USLI?

At USLI, we are committed to fostering a vibrant and inclusive community that celebrates the rich diversity of all ethnicities, nationalities, abilities, genders, gender identities, sexual orientations, ages, religions, socioeconomic backgrounds, and life experiences. We understand the importance of continuous learning, self‑reflection, acknowledging our biases, and expanding our perspectives beyond our own.

Seniority level:

Associate

Employment type:

Full‑time

Job function:

Administrative

Industry:

Insurance