Senior Remote Workers' Comp Adjuster – High-Value Claims

Hanover Insurance Group, Inc.; Sacramento, Northern (CA, KY); Hybrid; USD 90,000 - 125,000; Full time

Job summary

Hanover Insurance Group, Inc. is seeking a Senior Workers’ Compensation Adjuster for our California team. This exempt, full-time role offers a fully remote schedule with on-site needs as required, and opportunities to mentor junior staff while handling high-value claims.

You will conduct thorough investigations, assess coverage, and manage complex claims, leveraging negotiation, litigation management, and regulatory knowledge to deliver optimal outcomes.

Qualifications

• 5–10+ years of workers compensation claims handling experience with an insurance carrier.
• Must possess or obtain and maintain appropriate state adjuster licenses and continuing education credits.
• Skilled in negotiating complex claims and developing strategies to influence outcomes.
• Communicates clearly and effectively in both verbal and written formats across a variety of situations.
• Highly organized with the ability to manage complex workflows and participate in project work.
• Possesses in-depth understanding of the regulatory environment and jurisdictional requirements.
• Provides exceptional, empathetic customer service.
• Ability to use a personal computer and other standard office equipment.
• Ability to sit and/or stand for extended periods.
• Required to work on-site as needed.
• Ability to travel as necessary.
• Ability to work in a fast paced, changing or stressful environment.
• Ability to perform work in a noisy/loud work environment.
• May be required to have and maintain sufficient home-based internet connection.

Responsibilities

• Independently manage moderate to complex, high-value casualty claims, ensuring thorough analysis and resolution.
• Lead thorough investigations, assess coverage, and issue appropriate documentation including reservation of rights and coverage letters.
• Escalate issues as needed.
• Identify opportunities to transfer risk and pursue subrogation.
• Proactively resolve disputes, deescalate sensitive situations, and ensure optimal claim outcomes through strategic negotiation and litigation management.
• Ensure all claims activities comply with regulatory and company standards.
• Maintain accurate, detailed records and prepare comprehensive reports.
• Execute jurisdictional compliance requirements and support others in understanding regulatory obligations.
• Set reserves, authorize payments, and make financial decisions within authority.
• Demonstrate strong financial acumen and contribute to reserving accuracy and efficiency.
• Coordinate with internal and external stakeholders including legal, underwriting, vendors, and agents.
• Lead cross-functional meetings and communicate complex information clearly to diverse audiences.
• Use advanced tools and analytics to identify trends, correct inconsistencies, and improve claims handling efficiency.
• Ensure proper data ingestion, labeling, and protection of personally identifiable information (PII).
• Serve as a mentor to junior claim handlers, providing guidance on complex claims, compliance, and litigation processes.
• Support training initiatives and contribute to the development of best practices and educational materials.

Job description

Hanover Insurance Group, Inc. is seeking a Senior Workers’ Compensation Adjuster for our California team. This exempt, full-time role offers a fully remote schedule with on-site needs as required, and opportunities to mentor junior staff while handling high-value claims.

You will conduct thorough investigations, assess coverage, and manage complex claims, leveraging negotiation, litigation management, and regulatory knowledge to deliver optimal outcomes.