Senior Claims Adjuster - Casualty (Public Risk Group)

HCC Service Company, Inc.; United States; Hybrid; USD 75,000 - 95,000; Full time

Benefits offered by this job

Competitive salary

Medical, vision, and dental coverage

401(k) plan with 6% company match

20 days PTO plus paid holidays

Job summary

HCC Service Company, Inc. is seeking a Senior Claims Adjuster to join their team in a remote capacity across multiple states, with hybrids only in Michigan. The role requires a minimum of 5 years of experience in insurance claims, and the responsibilities include investigating claims, determining coverage, and managing litigation.

The ideal candidate will possess strong communication and analytical skills, as well as proficiency in Microsoft Office. A comprehensive benefits package is included, ensuring the well-being and professional growth of employees.

Qualifications

• Minimum 5 years of progressive professional experience in insurance claims.
• Broad knowledge of principles, practices, and procedures in claims handling.
• Excellent written and verbal communication skills.

Responsibilities

• Review insurance policies to determine coverage.
• Investigate claims via telephone interviews and written correspondence.
• Assign independent adjusters and appraisers for on-site investigations.

Skills

Claims Handling

Communication Skills

Analytical Skills

Microsoft Office

Education

Adjuster’s license

5 years of experience in insurance claims

Job description

Senior Claims Adjuster – Casualty

Location: Remote – Multi‑State (Hybrid only in Michigan). Employment Type: Full‑Time.

Key Responsibilities

• Review insurance policies to determine coverage.
• Investigate claims via telephone interviews and written correspondence with insureds, claimants, and witnesses.
• Review police reports, medical records, independent adjuster reports, appraiser reports, and other documentation to determine liability and damages.
• Review state and federal laws to identify potential defenses such as governmental immunity.
• Assign and supervise independent adjusters and appraisers for on‑site investigations.
• Assign defense counsel and manage litigation when necessary.
• Determine and monitor indemnity and expense reserves throughout the claim life cycle up to resolution/closure, in accordance with adjuster authority limits.
• Maintain claim files and documents in compliance with company policy and procedure.
• Seek approval for coverage or liability denials per company policy.
• Prepare internal large‑loss reports for executive circulation.
• Prepare loss reports for reinsurers per contract requirements.
• Collaborate with teammates, management, inter‑departmental units, agents, insureds, and others.
• Attend mediations, settlement conferences, and trials as required.

Qualifications

• Minimum 5 years of progressive professional experience in insurance claims.
• Broad knowledge of principles, practices, and procedures in claims handling.
• Excellent written and verbal communication skills with emphasis on confidentiality, tact, and diplomacy.
• Exceptional organizational and analytical skills; ability to manage multiple tasks simultaneously.
• Knowledgeable of industry changes, legal updates, and technical developments related to applicable areas.
• Intermediate proficiency in Microsoft Office (Excel, PowerPoint, Word).
• Adjuster’s license required.

Benefits

• Competitive salary and comprehensive benefit package.
• Strong learning culture with ongoing development opportunities.
• Medical, vision, and dental coverage, eligibility from first day.
• Basic life and disability insurance.
• 401(k) plan with 6% company match.
• 20 days of PTO and two floating holidays (prorated), plus approximately 11 paid holidays and volunteer time off.
• Paid parental leave.
• Access to wellness program including mental health services, fitness network membership, and complimentary Headspace subscription.
• Student loan matching program.
• Employee discount program.

Equal Opportunity Employer

TMHCC is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to age, ancestry, citizenship, color, family or medical care leave, gender identity, genetic information, marital status, medical condition, national origin, physical or mental disability, protected veteran or military status, race, ethnicity, religion, sex (including pregnancy), sexual orientation, or any other characteristic protected by applicable local laws, regulations and ordinances.