Property Specialist

Harford Mutual Insurance Group; Bel Air, Northern (MD, KY); Hybrid; USD 86,000 - 124,000; Full time

Job summary

Harford Mutual Insurance Group is seeking an experienced Property Specialist for remote/hybrid work with a Bel Air, MD base option and Fort Mill, SC office support. The role handles high-complexity first-party commercial property claims including real property, business personal property and inland marine damages, coordinating with vendors and specialists.

The candidate typically brings a four-year degree, 7–10 years of property claims experience, and CPCU/AIC/SCLA designation or equivalent.

Qualifications

• Four-year degree or equivalent work experience.
• 7–10 years in property claims.
• Experience handling complex commercial property claims >$250,000.

Responsibilities

• Evaluate complex coverage and loss exposures.
• Perform field investigations when necessary.
• Establish reserves and negotiate settlements.
• Coordinate with experts, engineers, attorneys and accountants.
• Provide information to reinsurers and affiliates.
• Collaborate with Underwriting and Loss Control.
• Deliver exceptional customer service to insureds and agents.

Skills

Property claims handling

Complex claim analysis

Negotiation

Vendor coordination

Education

Bachelor's degree

Tools

Estimating software

Job description

# Property SpecialistHome Office - Bel Air, MD 21014; Remote; Southern Office - Fort Mill, SC 29708## OverviewSalary Range$86,400.00 - $124,200.00 Salary/yearLevelExperiencedPosition TypeFull TimeEducation Level4 Year DegreeTravel PercentageUp to 25%CategoryInsurance## Description**WHO WE ARE:**Harford Mutual Insurance Group is a growing, dynamic mutual insurance carrier providing commercial property and casualty insurance products and services to a regional market. Headquartered in Harford County, Maryland, Harford Mutual offers a positive, diverse, and inclusive work environment with a rich company culture. Founded in 1842 on the principles of mutuality, we believe in insuring opportunity through mutual success for our policyholders, agents, communities, and employees, and invite our employees to continue that tradition with respect, integrity, exemplary service, and personal responsibility.*Listed within this posting is the anticipated salary range for this position, plus variable incentive compensation. The final salary offered to a successful candidate may vary and will be dependent on several factors that include, but are not limited to, your business experience, education, and individual capacity. Harford Mutual is a multi-state employer, and this salary range may not reflect positions that work in other states.***THE OPPORTUNITY:**Works on claim assignments of higher technical complexity and coordination, in a moderate volume, high complexity work environment. Determines coverage and investigates, analyzes, negotiates and settles claims. These claims typically require outside investigation that is coordinated utilizing vendor partners and some limited personal on-site inspections. This position is responsible for the handling and resolution of first party commercial property claims. This includes real property, business personal property, business income and inland marine damages. This position is also responsible for the utilization and oversite of multiple vendor partners.**LOCATION:**Remote/Hybrid (Bel Air, MD Office/Fort Mill, SC Office)**WHAT YOU’LL DO:*** Evaluate complex coverage and significant loss exposures, typically losses in excess of $250,000* Perform or arrange for field investigation when necessary* Review and establish appropriate reserves* Negotiate settlements* Responsible for all aspects of the claim including the proper utilization of experts/consultants and other external resources such as Engineers, Attorneys, Cause and Origin experts and Accountants* Provide necessary information to reinsurers and affiliates* Collaborates with Underwriting and Loss Control* Strives to deliver exceptional customer service to the insureds and agents* Performs other duties or special projects as required or as assigned by the Property Manager**WHAT YOU’LL BRING:*** Minimum four-year degree or comparable work experience* 7 – 10 years in property and industry experience* Experience and technical expertise handling complex commercial property claims in excess of $250,000* Industry recognized designation (CPCU, AIC, SCLA)* Adjuster licenses in DE, NC or SC preferred* Knowledgeable in field of construction and utilization of estimating software**BENEFITS:****PHYSICAL DEMANDS & WORK ENVIRONMENTAL FACTORS:**The physical demands described above are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform essential functions.**EEO STATEMENT:**Harford Mutual Insurance Group provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state or local laws. This policy applies to all terms and conditions of employment, including recruiting, hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation and training.*Most new hires fall within this range and have the opportunity to earn more over time. Initial placement within the salary range, however, is based on an individual's relevant knowledge, skills and experience for the position.**Base salary is only one component of our competitive Total Rewards package. To learn more, please visit the* *Perks & Benefits**on our website.*