Sr AZ Workers Compensation Adjuster

Hanover Insurance Group, Inc.; Arizona; Remote; USD 85,000 - 110,000; Full time

Job summary

Hanover Insurance Group, Inc. is seeking a Senior Workers' Compensation Adjuster for the Arizona team in a fully remote role. You will independently manage moderate to complex, high-value casualty claims, lead investigations, assess coverage, and prepare documentation including reservation of rights and coverage letters.

The role requires advanced negotiation, strong regulatory and compliance knowledge, and the ability to mentor junior staff. Some on-site work and travel may be required.

Qualifications

• Bachelor’s degree preferred, or a combination of education and equivalent experience.
• 5–10+ years of workers compensation claims handling experience with an insurance carrier.
• Exposure to litigated claims, more significant experience preferred.
• Possess or obtain and maintain appropriate state adjuster licenses.
• Skilled in negotiating complex claims and developing strategies to influence outcomes.
• Clear and effective written and verbal communication across various situations.
• Highly organized with strong time and desk management skills.
• In-depth understanding of regulatory environment and jurisdictional requirements.
• Empathetic customer service; handles escalated claims professionally.
• Proficient with PC and standard office equipment.
• Ability to sit/stand for extended periods and travel as needed.
• On-site work as required; work in fast-paced environments.

Responsibilities

• Independently manage moderate to complex, high-value casualty claims and lead investigations.
• Assess coverage and issue documentation including reservation of rights and coverage letters.
• Identify subrogation opportunities and pursue strategic negotiation and litigation management.
• Ensure regulatory and company standards are met; maintain detailed records and reports.
• Set reserves, authorize payments within authority, and contribute to reserving accuracy.
• Coordinate with legal, underwriting, vendors, and agents; lead cross-functional meetings.
• Utilize advanced tools to identify trends and protect PII; mentor junior claim handlers.

Skills

Negotiation

Investigation

Regulatory knowledge

Communication

Mentoring

Time management

Cross-functional coordination

Analytical thinking

Education

Bachelor’s degree

Tools

Analytics tools

Job description

Our Workers Compensation Lost Time Claims department is seeking a Senior Workers Compensation Adjuster for the Arizona team. This is a Full-time/Exempt role with a fully remote schedule.

POSITION OVERVIEW:

The Senior Workers Compensation Adjuster is responsible for managing moderate to complex and high-value casualty claims with minimal supervision. This role requires advanced investigative and negotiation skills to effectively resolve disputes and handle escalated situations. The Consultant works closely with internal and external experts, including legal counsel and technical specialists, to ensure thorough claim evaluation and resolution.

Key responsibilities include representing the company in various forums related to claims litigation, maintaining a high standard of professionalism, and ensuring compliance with regulatory and company standards. The role demands strategic thinking, sound judgment, and the ability to navigate sensitive and high-impact claim scenarios.

IN THIS ROLE, YOU WILL:

• 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.

WHAT YOU NEED TO APPLY:

• Bachelor’s degree preferred, or a combination of education and equivalent experience.
• 5–10+ years of workers compensation claims handling experience with an insurance carrier.
• Must have exposure to litigated claims, more significant experience preferred.
• 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. Demonstrates sound judgment and decision-making on high-exposure cases, including litigation and compliance matters.
• Communicates clearly and effectively in both verbal and written formats across a variety of situations. Selects appropriate communication channels and consistently demonstrates empathy toward all stakeholders.
• Highly organized with the ability to manage complex workflows and participate in project work. Demonstrates strong time management and desk management skills, and mentors others in these areas.
• Possesses in-depth understanding of the regulatory environment and jurisdictional requirements. Handles complex compliance issues and mentors others on regulatory standards.
• Provides exceptional, empathetic customer service. Effectively manages escalated claims and sensitive customer concerns with professionalism and clarity.
• 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.

This job posting provides cursory examples of some of the job duties associated with this position. The examples provided are not complete, and the position may entail other essential and job-related functions and responsibilities that employees will be required to perform.