Senior General Liability Claims Adjuster (Commercial Lines)

Hippo Insurance; Texas; Hybrid; USD 95,000 - 125,000; Full time

Benefits offered by this job

Healthy Hippos Benefits

Equity

Training and Career Growth

Flexible Time Off

Little Hippos Program

Hippo Habitat

Job summary

Hippo Insurance is seeking an experienced Senior General Liability Claims Adjuster (Commercial Lines) to manage a diverse caseload across multiple states with a hybrid work model in Austin/Dallas.

Ideal candidates will have 5+ years in general liability, multi-state licensing, and a proven record in liability investigations, coverage analysis, and settlements. Join a tech-forward carrier platform focused on excellent service and collaboration.

Qualifications

• Minimum 5+ years general liability/commercial claims experience.
• Active multi-state adjuster licenses; reciprocal/home-state licensing preferred.
• Strong understanding of liability law across jurisdictions.
• Proven ability to manage complex or litigated claims.
• Excellent negotiation, communication, and analytical skills.
• Bachelor's degree preferred or equivalent experience.

Responsibilities

• Investigate and resolve general liability claims across multiple jurisdictions.
• Perform coverage analysis per policy terms and exclusions.
• Interview claimants, witnesses, insureds; gather statements.
• Coordinate with legal counsel and defense attorneys.
• Maintain case reserves per guidelines and regulations.
• Negotiate settlements with claimants and attorneys.
• Ensure regulatory compliance across states.
• Manage files from notice of loss to resolution.
• Document updates in claims management system.
• Stay current on state regs and industry trends.
• Provide empathetic customer service throughout claim life.

Skills

Liability law

Tort principles

Multi-state licensing

Complex claims handling

Negotiation skills

Communication

Analytical skills

Claims software

Education

Bachelor's degree preferred

Tools

Microsoft Office

Claims software

Job description

Title: Senior General Liability Claims Adjuster (Commercial Lines)

Location: Austin, TX / Dallas, TX (Hybrid)

Reporting to: Director, TPA Claims

Start Date: December 14, 2026

About Hippo:

Hippo was built on a promise: make homeownership effortless. Nearly a decade later, that mission still drives us. We use technology and data to help our customers stay ahead of problems and protect what matters most.

Today, that same tech-native approach powers our work beyond homeowners. Hippo operates as a diversified carrier platform, partnering with MGAs to deliver tailored program solutions that help them grow and deliver better customer experiences. Behind that work is a team that values ownership, curiosity, collaboration, and continuous improvement.

If you're energized by building what's next, we'd love to meet you.

About The Job:

We are seeking an Experienced General Liability Claims Adjuster who is licensed in multiple states to manage a diverse caseload of bodily injury and property damage claims. The ideal candidate has a solid background in liability investigation, coverage analysis, negotiation, and claims resolution, and is comfortable handling claims across varying state statutes and regulatory requirements. Above all, we’re looking for someone who is committed to delivering excellent service and building trust with every claimant and policyholder they work with.

What You'll Do:

• Investigate, evaluate, and resolve general liability claims (premises liability, products liability, personal injury, property damage, and related exposures) across multiple jurisdictions
• Conduct thorough coverage analysis and apply relevant policy terms, conditions, and exclusions
• Interview claimants, witnesses, and insureds; secure statements and gather supporting documentation
• Partner with legal counsel, defense attorneys, and outside experts on litigated claims
• Set and maintain appropriate case reserves in accordance with company guidelines and state regulations
• Negotiate settlements directly with claimants, attorneys, and third-party representatives
• Ensure compliance with state-specific unfair claims practices acts and licensing/regulatory requirements in all jurisdictions handled
• Manage claim files from first notice of loss through resolution, including subrogation and recovery opportunities
• Maintain accurate, timely documentation in the claims management system
• Stay current on evolving state regulations, case law, and industry trends affecting liability claims handling
• Deliver exceptional customer service to claimants, insureds, and business partners throughout the life of each claim - communicating with empathy, professionalism, and transparency at every touchpoint
• Respond promptly to inquiries and proactively provide status updates to keep all parties informed and confident in the claims process

Must Haves:

• Minimum 5+ years of general liability/commercial lines claims adjusting experience
• Active adjuster licenses in multiple states (or ability to obtain reciprocal/designated home state licenses quickly); multi-state licensing strongly preferred or required depending on assigned territory
• Strong understanding of liability law, tort principles, and policy coverage interpretation across jurisdictions
• Proven track record of managing complex and/or litigated claims to resolution
• Excellent negotiation, communication, and analytical skills
• Demonstrated commitment to providing excellent service, with the ability to balance strong claims outcomes with a positive, empathetic experience for claimants and policyholders
• Proficiency with claims management software and Microsoft Office Suite
• Bachelor's degree preferred; equivalent industry experience considered in lieu of degree
• Designations such as AIC, CPCU, or SCLA are preferred
• Experience handling claims involving construction, retail, hospitality, or products liability exposures is preferred
• Experience working with third-party administrators (TPAs) or self-insured programs is preferred
• Bilingual candidates are a plus

Benefits and Perks

Hippo treats its team members with the same level of dedication and care as we do our customers, which is why we’re fortunate to provide all of our Hippos with:

• Healthy Hippos Benefits - Multiple medical plans to choose from and 100% employer covered dental & vision plans for our team members and their families. We also offer a 401(k)-retirement plan, short & long-term disability, employer-paid life insurance, Flexible Spending Accounts (FSA) for health and dependent care, and an Employee Assistance Program (EAP)
• Equity -This position is eligible for equity compensation
• Training and Career Growth - Training and internal career growth opportunities
• Flexible Time Off - You know when and how you should recharge
• Little Hippos Program - We offer 12 weeks of parental leave for primary and secondary caregivers
• Hippo Habitat - Snacks and drinks available for onsite employees

Hippo is an equal opportunity employer, and we are committed to building a team culture that celebrates diversity and inclusion.

Hippo’s applicants are considered solely based on their qualifications, without regard to an applicant’s disability or need for accommodation. Any Hippo applicant who requires reasonable accommodations during the application process should contact the Hippo’s People Team to make the need for an accommodation known.

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