Subrogation Representative

Amica Mutual Insurance Company; Rhode Island; On-site; USD 60,000 - 80,000; Full time

Job summary

Amica Mutual Insurance Company in Lincoln, RI seeks a Subrogation Representative to investigate, negotiate, and recover subrogation claims. The role starts with reviewing new subrogation files for demands and may evolve to handling backlog matters, requiring excellent customer service and clear communication with insureds, claimants, and attorneys.

Requires strong organizational skills, attention to detail, and the ability to work independently or in a team.

Qualifications

• High school diploma or equivalent education required.
• Required to obtain state insurance licenses as needed and meet continuing education requirements.
• Strong organizational, file management and time management skills.
• Attention to detail and ability to prioritize.
• Excellent written and oral communication skills.
• Strong decision-making skills and ability to handle conflicts or deal with difficult situations.
• Ability to work independently and in a team environment.
• Prior subrogation knowledge and experience is a plus.
• Knowledge of Excel, Word, Outlook.
• Pursue additional insurance designations.

Responsibilities

• Evaluate liability and damages to assess subrogation potential including consideration of jurisdiction regulations.
• Identify responsible party/parties and contribution potential.
• Review and determine the best course of recovery.
• Negotiate subrogation recoveries with carriers, responsible party(s), and other legal representatives through means of direct negotiation, intercompany arbitration, or other necessary methods.
• Promptly and aggressively recover payout.
• Update appropriate parties as needed, providing new information as it becomes available and an analysis of the impact on the liability and recovery options.
• Maintain diary systems to manage files in a timely manner; documenting key activities in a clear and concise manner.
• Manage expenses on assigned files to assure cost effective resolution, including legal expenses on litigated files.
• Maintain favorable working relationships with claim offices.
• May be called upon to handle other duties as required.
• The individual selected for this position may have varying responsibilities based on their prior knowledge and experience.

Skills

Organizational skills

Attention to detail

Written & verbal communication

Independent & team work

Subrogation knowledge (plus)

Excel

Word

Outlook

Education

High school diploma or equivalent

Tools

Excel

Word

Outlook

Job description

Thank you for considering Amica as part of your career journey, where your future is our business. At Amica, we pride ourselves on being an inclusive and supportive environment. We all work together to accomplish the common goal of providing the best experience for our customers. We believe in trust and fostering lasting relationships for our customers and employees! We’re focused on creating a workplace that works for all. We’ll continue to provide training, guidance, and resources to make Amica a true place of belonging for all employees. Want to learn more about our commitment to diversity, equity, and inclusion? Visit our DEI page to read about it! As a mutual company, our people are our priority. We seek differences of opinion, life experience and perspective to represent the diversity of our policyholders and achieve the best possible outcomes. Our office located in Lincoln, RI is seeking a Subrogation Representative to join the team! We also welcome applications from candidates with prior experience and may consider placement at a higher level based on qualifications and relevant subrogation experience.

Job Overview

This position is responsible for the investigation, negotiation and recovery of subrogation claims with appropriate supervision while working within specific limits and authority on assignments of low complexity. Coordinates with insureds, claimants, insurance representatives and attorneys during the pursuit of subrogation to maximize fair recoveries through negotiations. The selected candidate will start out in a role mainly focused on reviewing and preparing new subrogation files for demands to be sent. As experience is gained, and as opportunities present, they would then be transferred into a role focused on handling a backlog of pending subrogation matters. Excellent customer service and communication skills with our customers is expected.

Responsibilities

• Evaluate liability and damages to assess subrogation potential including consideration of jurisdiction regulations.
• Identify responsible party/parties and contribution potential.
• Review and determine the best course of recovery.
• Negotiate subrogation recoveries with carriers, responsible party(s), and other legal representatives through means of direct negotiation, intercompany arbitration, or other necessary methods.
• Promptly and aggressively recover payout.
• Update appropriate parties as needed, providing new information as it becomes available and an analysis of the impact on the liability and recovery options.
• Maintain diary systems to manage files in a timely manner; documenting key activities in a clear and concise manner.
• Manage expenses on assigned files to assure cost effective resolution, including legal expenses on litigated files.
• Maintain favorable working relationships with claim offices.
• May be called upon to handle other duties as required.
• The individual selected for this position may have varying responsibilities based on their prior knowledge and experience.

Qualifications

• High school diploma or equivalent education required.
• Required to obtain state insurance licenses as needed and meet continuing education requirements.
• Strong organizational, file management and time management skills.
• Attention to detail and ability to prioritize.
• Excellent written and oral communication skills.
• Strong decision-making skills and ability to handle conflicts or deal with difficult situations.
• Ability to work independently and in a team environment.
• Prior subrogation knowledge and experience is a plus.
• Knowledge of Excel, Word, Outlook.
• Pursue additional insurance designations.
• Current Amica employees should review the below information: Level: 5, 6 or 7 Important: Certain relocation benefits may apply for current employees currently located in a branch that will be transitioning.

Schedule

The 37.5-hour schedule will be Monday through Friday between the core hours of 8:00 a.m. and 5 p.m., with the potential to work holidays and a few Saturdays per year.

Level

Level: 5, 6 or 7 Important: Certain relocation benefits may apply for current employees currently located in a branch that will be transitioning.

Deadline For Internal Employees

September 29, 2026

Total Rewards

Total Rewards Medical, dental, vision coverage for single or family, short- and long-term disability, and life insurance Paid Vacation – you will receive at least 13 vacation days in the first 12 months, amounts could be greater depending on the role. While able to use prior to accrual, vacation time will accrue monthly. Holidays - 14 paid holidays observed Sick time - 6 days sick time at hire, 6 additional days sick time at 90 days of employment Generous 401k with company match and immediate vesting. Additionally, annual 3% non-elective employer contribution Annual Success Sharing Plan - Paid to eligible employees if company meets or exceeds combined ratio, growth and/or service goals Generous leave programs, including paid parental bonding leave Student Loan Repayment and Tuition Reimbursement programs Generous fitness and wellness reimbursement Employee community involvement Strong relationships, lifelong friendships Opportunities for advancement in a successful and growing company Amica conducts background checks which includes a review of criminal, educational, employment and social media histories, and if the role involves use of a company vehicle, a motor vehicle or driving history report. The background check will not be initiated until after a conditional offer of employment is made and the candidate accepts the offer. Qualified applicants with arrest or conviction records will be considered for employment. The safety and security of our employees and our customers is a top priority. Employees may have access to employees’ and customers’ personal and financial information in order to perform their job duties. Candidates with a criminal history that imposes a direct or indirect threat to our employees’ or customers’ physical, mental or financial well-being may result in the withdrawal of the conditional offer of employment.

About Amica

Amica Mutual Insurance Company is America’s oldest mutual insurer of automobiles. A direct national writer, Amica also offers home, marine and umbrella insurance. Amica Life Insurance Company, a wholly owned subsidiary, provides life insurance and retirement solutions. Amica was founded on the principles of creating peace of mind and building enduring relationships for and with our exceptionally loyal policyholders, a mission that thousands of employees in offices nationwide share and support. Equal Opportunity Policy: All qualified applicants who are authorized to work in the United States will receive consideration for employment without regard to race, color, religion, sex, gender, gender identity, gender expression, sexual orientation, family status, ethnicity, age, national origin, ancestry, physical and/or mental disability, mental condition, military status, genetic information or any other class protected by law. The Age Discrimination in Employment Act prohibits discrimination on the basis of age with respect to individuals who are 40 years of age or older. Employees are subject to the provisions of the Workers' Compensation Act. Amica Mutual Insurance Company is committed to protecting job seekers from recruitment fraud. We never request sensitive personal information or payment during the interview process. All legitimate job opportunities are listed on our official careers site: https://careers.amica.com. Learn more in the "Is Amica hiring?" section of our FAQ. We seek differences of opinion, life experience and perspective to represent the diversity of our policyholders and achieve the best possible outcomes. We pride ourselves on nurturing and activating curiosity, because what's best for our people is what's best for our business. Amica offers diverse and engaging career paths to fit your unique skill set, interests and abilities. See what Amica has to offer and get an inside look at your future role through the eyes of current members of our team. For over 115 years, we’ve championed the idea that empathy is our best policy. At Amica, we’re more than an insurance company. We build relationships. Whether it’s the first call or the moment our customers need us most, we always show up with compassion. We create policies to fit our clients’ needs, and find answers where they’re needed most. That’s insurance that works. You care about integrity, purpose and community. So do we.We’re looking for people who value mutual respect as much as we do.We want to welcome you to a culture where you feel you belong. Mutual Respect A culture of doing the right thing, brought to life by our deep commitment to volunteerism Empowered Growth Career-long support, including training, development and advancement opportunities Personally Invested Top-tier medical plans for physical and mental health, retirement, well-being and more Inside Track Security and stability reflected in our grow-from-within career development model Find the best fit We’re always looking for the right candidates to join our growing team.

Equal Opportunity Policy

All qualified applicants who are authorized to work in the United States will receive consideration for employment without regard to race, color, religion, sex, gender, gender identity, gender expression, sexual orientation, family status, ethnicity, age, national origin, ancestry, physical and/or mental disability, mental condition, military status, genetic information or any other class protected by law. The Age Discrimination in Employment Act prohibits discrimination on the basis of age with respect to individuals who are 40 years of age or older. Employees are subject to the provisions of the Workers' Compensation Act. Amica Mutual Insurance Company is committed to protecting job seekers from recruitment fraud. We never request sensitive personal information or payment during the interview process. All legitimate job opportunities are listed on our official careers site: https://careers.amica.com. Learn more in the "Is Amica hiring?" section of our FAQ.

Find the best fit

Find the best fit We’re always looking for the right candidates to join our growing team. Take a look at the current open roles and evaluate which you think you’d be a good fit for.

Interview with the team

Beyond the initial phone screen, you will meet with the hiring manager and additional members of the team as part of your interview process.