Sr California Workers Comp Adjuster

Hanover Insurance Group, Inc.; California (MO); Hybrid; USD 90,000 - 125,000; Full time

Benefits offered by this job

Medical, dental, vision insurance

401K with company match

PTO

Job summary

The Hanover Insurance Group in California is seeking a Senior Workers' Compensation Adjuster for a fully remote role. You will manage moderate to complex, high-value claims with minimal supervision, applying advanced investigation and negotiation skills to resolve disputes and support litigation where needed.

You will collaborate with legal counsel, underwriters, vendors, and agents, set reserves, authorize payments, and ensure regulatory compliance while mentoring junior staff and driving

Qualifications

• Bachelor’s degree preferred or equivalent experience.
• 5–10+ years of workers compensation claims handling with an insurer.
• Must possess or obtain and maintain state adjuster licenses.

Responsibilities

• Independently manage moderate to complex, high-value casualty claims with minimal supervision.
• Identify subrogation opportunities and negotiate for favorable outcomes.
• Ensure regulatory and company standards are met; maintain detailed claim records and reports.

Skills

Negotiation

Analytical thinking

Communication

Mentoring

Education

Bachelor’s degree preferred

State adjuster licenses

Job description

Position Overview:

For more than 170 years, The Hanover has been committed to delivering on our promises and being there when it matters the most. We live our values every day, demonstrating we CARE through our values, Sustainability initiatives and inclusive corporate culture.

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

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 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.

Career Development:

It’s not just a job, it’s a career, and we are here to support you every step of the way. We want you to be successful and fulfilled. Through on‑job experiences, personalized coaching and our robust learning and development programs, we encourage you – at every level – to grow and develop.

Benefits:

• Medical, dental, vision, life, and disability insurance
• 401K with a company match
• PTO
• Cultural Awareness Day in support of IDE
• On-site medical/wellness center (Worcester only)

The Hanover values diversity in the workplace and among our customers. The company provides equal opportunity for employment and promotion to all qualified employees and applicants on the basis of experience, training, education, and ability to do the available work without regard to race, religion, color, age, sex/gender, sexual orientation, national origin, gender identity, disability, marital status, veteran status, genetic information, ancestry or any other status protected by law.
Furthermore, The Hanover Insurance Group is committed to providing an equal opportunity workplace that is free of discrimination and harassment based on national origin, race, color, religion, gender, ancestry, age, sexual orientation, gender identity, disability, marital status, veteran status, genetic information or any other status protected by law."

Compensation:

The target hiring range for this role may vary based on geographic location and other factors, including merit or performance, demonstrated proficiency, skills for the role, education, travel requirements, and experience. Additional compensation may include an annual bonus (which could take the form of a general bonus, sales incentive, or short-term incentive), long-term incentive or spot recognition awards. The posted range reflects our ability to hire at different position titles and levels depending on background and experience.