Senior Casualty Claims Representative

Western National Mutual Insurance Co; Edina (MN); On-site; USD 66,300 - 91,190; Full time

Benefits offered by this job

Health Savings Accounts (HSA)

401(k) Plan with matching

Wellbeing Program

Paid Time Off including holidays and volunteer

Tuition reimbursement

Paid parental leave

Bonus opportunities

Job summary

Western National Mutual Insurance Co. is seeking a Senior Casualty Claims Representative to investigate, evaluate, negotiate, and resolve multi-line insurance claims. This role requires a strong understanding of industry practices and excellent communication skills.

The ideal candidate will handle moderate-to-high complexity claims, ensuring customer service excellence while maintaining regular contact with policyholders and vendors. Located in Minnesota, this full-time position offers a competitive salary range of $66,300 – $91,190 annually, depending on qualifications.

Western National values its employees and offers a significant Total Rewards Package, including health accounts, 401(k) matching, paid time off, and a flexible work environment.

Qualifications

• Understanding of industry practices, standards, and claim concepts.
• Prior casualty claims experience.
• Ability to multitask and solve problems.
• Proficient oral and written communication skills.
• Strong negotiation and relationship-building skills.
• Analytical with ability to exercise sound business judgment.
• Strong time management skills.

Responsibilities

• Handles moderate-to-high complexity casualty claims.
• Evaluates both personal and commercial lines property claims.
• Ensures customer service excellence.
• Investigates and reviews claim-related documents.
• Establishes and reviews proper reserves for each claim.
• Provides direction to outside resources.
• Makes decisions guided by general instructions.
• Maintains regular contact with customers and vendors.
• Travels occasionally for field work.
• Performs special projects and other duties as assigned.

Skills

Understanding of industry practices, standards, and claim concepts

Prior casualty claims experience

Ability to multitask and solve problems

Proficient oral and written communication skills

Strong negotiation and relationship-building skills

Analytical with ability to exercise sound business judgment

Strong time management skills

Education

Bachelor's degree or equivalent related experience

Job description

Who are we?

Western National Insurance Group is a private mutual insurance company with over 125 years of experience serving customers' property-and-casualty insurance needs in the Midwestern, Northwestern, and Southwestern United States. Known as “The Relationship Company®,” we define success as a measure of the relationships we’ve built over time. In everything that we do, we know that delivering a friendly and helpful interaction makes for a better experience for everyone involved. That’s the power of “nice”. At Western National, nice is something we work to bring to every person and organization with whom we partner and serve.

Opportunity

Western National is seeking a Senior Casualty Claims Representative to join our team. The individual in this role will have the opportunity to investigate, evaluate, negotiate, and resolve multi‑line insurance claims as assigned.

Responsibilities

• Handles moderate-to-high complexity casualty claims within settlement authority.
• Evaluates both personal and commercial lines property claims.
• Ensures customer service excellence.
• Investigates and reviews policy forms, facts, and claim‑related documents to make claim resolution decisions, identify claim file exposures, and escalate issues as appropriate.
• Establishes and reviews proper reserves for each claim based upon thorough investigation, evaluation, and experience while maintaining appropriate reports to ensure the status of claims is clearly documented at all times.
• Provides direction to outside resources.
• Makes decisions guided by general instructions and practices requiring interpretation.
• Automatically makes decisions on routine issues.
• Makes recommendations to solve more complex problems.
• Recognizes problems or situations that are new or without clear precedent.
• Finds solutions using a systematic, multistep approach.
• Demonstrates commitment to personal development and improvement to enhance performance.
• Maintains regular contact with customers, such as policyholders, claimants, and agents, as well as regular contact with employees across the organization and outside vendors.
• Travels occasionally for field work (e.g., scene investigations, mediation, court hearings).
• Performs special projects and other duties as assigned.

Qualifications

• Understanding of industry practices, standards, and claim concepts.
• Prior casualty claims experience.
• Ability to multitask and solve problems.
• Proficient oral and written communication skills.
• Strong negotiation and relationship‑building skills.
• Analytical with ability to exercise sound business judgment.
• Strong time management skills.
• Bachelor’s degree or equivalent related experience.

Preferred

• Working toward AIC or AINS certification is preferred.
• Proficient use of various core systems, office and computer equipment, and software packages.
• Experience handling bodily injury and / or commercial general liability claims.

Compensation overview

The full hiring range for this role is $66,300 – $91,190 annually. However, the base pay offered may vary depending on the job‑related knowledge, skills, credentials, and experience of each candidate as well as other factors such as the scope and location of the role. Candidates looking for compensation outside of the posted range are encouraged to apply and will be considered based on their individual qualifications and/or may be considered for other positions.

Western National Insurance Group reserves the right to fill this position at a level above or below the level included in this posting.

Culture and Total Rewards

Western National has long been known as “The Relationship Company®” and caring for our employees is part of that relationship commitment. We value connectiveness, empowerment, and accountability, and we believe that our employees are our biggest asset.

Currently ranked as the 41st largest private company by revenue in Minnesota (Minneapolis/St. Paul Business Journal), Western National has earned accolades year‑over‑year as an employer of choice and garnered multiple awards for wellness in the workplace. Western National has also been named a Top Workplace by the Star Tribune for the past four consecutive years. In addition, the Group is consistently recognized as a Ward’s 50 property‑and‑casualty insurance company for its outstanding financial results.

Western National offers full‑time employees a significant Total Rewards Package, including:

• Health Savings Accounts (HSA) and Flexible Spending Accounts (FSA)
• 401(k) Plan (participants are eligible for 100% matching on the first 6% of their contributions)
• Wellbeing Program, including onsite fitness studio
• Paid Time Off – including holiday, vacation, and volunteer
• 100% company‑paid tuition reimbursement for approved job‑relevant coursework and access to The Institutes (Risk and insurance education)
• Paid parental leave
• Bonus opportunities

Western National believes in supporting balance between work and life by providing a flexible work environment, which includes a variety of hybrid and remote work arrangements designed to balance individual, job, department, and company needs.

Applicants must be authorized to work for any employer in the U.S. We are unable to sponsor or take over sponsorship of an employment Visa at this time.

Western National provides 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.