What are the responsibilities and job description for the Sr. Claims Examiner, Auto Injury position at Harford Mutual Insurance Group?
Job Details
Description
WHO WE ARE:
Harford Mutual Insurance Group is a growing, dynamic mutual insurance carrier providing commercial property and casualty insurance products and services to a regional market. Headquartered in Harford County, Maryland, Harford Mutual offers a positive, diverse, and inclusive work environment with a rich company culture. Founded in 1842 on the principles of mutuality, we believe in insuring opportunity through mutual success® for our policyholders, agents, communities, and employees, and invite our employees to continue that tradition with respect, integrity, exemplary service, and personal responsibility.
THE OPPORTUNITY:
The Senior Claims Examiner investigates, evaluates, and resolves commercial lines claims and makes recommendations for resolutions from any of Harford Mutual Insurance Group companies. The incumbent will be expected to handle efficiently and competently medium to high severity claims, and to possess comprehensive knowledge of all coverages and claims handling procedures while providing quality claims service to policyholders and agents.
LOCATION:
In-Person/Hybrid (w/ office location)
WHAT YOU’LL DO:
- Conducts prompt and thorough investigations of commercial line claims within departmental and regulatory guidelines through telephone, written, and other communication methods with policyholders, claimants, attorneys, public adjusters, witnesses, and others with pertinent information.
- Handles some litigated claims, coordinating with defense counsel and managing the litigation process to ensure effective resolution.
- Provides quality claims service to our policyholders and agents by remaining in constant communication with them throughout the claim lifecycle.
- Assesses coverage, determines liability, evaluates damage and injury, and employs negotiation skills to resolve claims within authority, including drafting necessary communications related to the claim.
- Analyze information to evaluate assigned claims to determine the extent of loss, taking into consideration coverage, damages, liability, and future investigation needs. Assign and manage independent adjusters, defense counsel, or other experts on a task assignment basis where necessary.
- Demonstrate in-depth understanding of commercial lines coverage issues, policy forms, contracts, regulatory requirements, and changing legal landscape.
WHAT YOU’LL BRING:
- Four-year college degree; or comparable claims work experience.
- Over 5 years’ experience in progressive claims roles.
- AIC or similar designation.
- Valid adjusters’ license(s) in states assigned or an ability to obtain same.
- Ability to understand & analyze policy coverages; analyze information to virtually estimate damages.
BENEFITS:
Most new hires fall within this range and have the opportunity to earn more over time. Initial placement within the salary range, however, is based on an individual's relevant knowledge, skills and experience for the position.
Base salary is only one component of our competitive Total Rewards package. To learn more, please visit the Perks & Benefits on our website.
Salary : $67,660 - $97,261