Property Claims Adjuster

Merchants Mutual Insurance; Buffalo (NY); Hybrid; USD 41,328 - 48,216; Full time

Benefits offered by this job

Hybrid work schedule

Flexible scheduling

Generous paid time off

Full benefits package

Bonus program

Tuition reimbursement

Job summary

Merchants Insurance Group is seeking a Property Claim Adjuster to join our Claims team in Buffalo, NY or at one of our regional offices in Melville, NY; Mt. Laurel, NJ; or Bedford, NH.

The role focuses on Commercial Property claims and involves collaboration with home office managers, policyholders, agents, and service providers. The position offers a hybrid schedule with two in-office days per week and flexibility for remote work on other days.

Qualifications

• Minimum of 2 years’ claims experience handling first party Property claims.
• Strong negotiation and tactical planning for file strategy.
• State adjuster license or ability to obtain.
• Professional designations are a plus.
• Exceptional organizational, time management, and communication skills.

Responsibilities

• Cultivate relationships with claims teams, policyholders, attorneys, and service providers to achieve optimal outcomes.
• Investigate coverage and liability damages.
• Provide high level customer service.
• Direct timely and quality claim investigations, evaluations, and equitable settlements.
• Ensure timely and accurate reserves consistent with reserving practices.

Skills

Negotiation skills

Organizational skills

Communication skills

Education

State Adjuster license (or ability to obtain)

Job description

Remote Recruiting
250 Main St
Buffalo, NY 14202, USA

Merchants Insurance Group is a leading Property and Casualty Insurer in the Northeast and is looking for a Property Claim Adjuster to join our Claims team located in our home office located in Buffalo, New York or one of our Regional Offices located in Melville, New York, Mt. Laurel, New Jersey or Bedford, New Hampshire.

The Property Claim Adjuster will become part of a dedicated claims team focusing on Commercial Property 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 onsite 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.
• The Property Claim Adjuster will be responsible for investigating coverage and liability damages.
• Provides a high level of customer service.
• Conducting and directing timely and quality claim investigations, evaluations and equitable settlements of all assigned claims.
• Ensuring timely and accurate reserves consistent with established reserving philosophy and practices.

Qualifications & Skills:

• A minimum of 2 years’ claims experience handling first party Property claims (Commercial claim handling experience is preferred).
• Skilled negotiator, capable of formulating strategy and action plans for files.
• State adjusters license (or ability to obtain).
• Professional designations or working towards industry specific designations are a plus.
• Exceptional organizational, time management, desk management, communication and negotiation skills are required.

Merchants Insurance Group Pay information:

Merchants Insurance Group offers a competitive pay scale. The estimated salary for this role ranges from $30.00 - $35.00 hourly 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 2 full days per week in the office, with the option of working the remaining days per month at home or in the office
• Flexible work arrangements, including flex scheduling and summer hours.
• Competitive pay scale.
• 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.
• Outstanding company bonus program.
• 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.