Senior Liability Adjuster

What we do

High Definition Vehicle Insurance (HDVI): Technology meets Insurance. HDVI brings telematics, software and data together with commercial trucking insurance, taking transportation insurance and fleet risk management to the next level. Our platform arms fleets with an end-to-end solution that empowers them to save money, mitigate risk, and increase operational efficiencies. Our customers are small to midsize truck fleet operators who benefit from dynamic and transparent pricing – automatically reducing their premiums for safer driving. Leveraging a best-in-class partner ecosystem, HDVI combines magnitude and stability with innovation to revolutionize the commercial trucking insurance space. 

Why work here

HDVI is building the industry defining commercial auto insurance company for the next 100 years. The $50 billion commercial auto industry hasn’t seen real innovation for decades and is broken in a number of ways, creating a significant opportunity for HDVI. HDVI is co-founded by a former Esurance co-founder, and has a senior management team with experience building innovative insurance and logistics companies from zero to $1B enterprises, and deep expertise in trucking insurance. HDVI is well-funded by leading logistics and mobility-focused venture capital firms and strategic investors including Munich Re, Daimler Trucks and Qualcomm. The HDVI Team is values-driven, data-driven, ambitious, and collaboratively minded with a diverse background of experiences and skills in the insurance and logistics industries. We like challenges and building solutions that improve the quality of life for our customers. We offer generous benefits, including employee stock options, health, dental, vision, 401k, flexible work environment, and unlimited PTO.

About the Role

The Senior Liability Adjuster is responsible for investigating, evaluating, and negotiating Auto and General Liability claims, which may have unique coverages, while maintaining a high standard of customer service. This includes prompt contact with insureds and follow-up to complete timely and accurate reserves and claim resolution. Key Responsibilities include: analyzing coverage; evaluating liability and damages, establishing accurate reserves throughout the life of the file; maintaining and managing a diary system to efficiently manage and resolve cases; communicating file updates and reserves to the broker, insured, and underwriter when appropriate; attending mediations to resolve cases; participating in roundtables to discuss reserves and strategy, efficiently manage and resolve assigned claim inventory; and effectively managing the litigation process and defense counsel to ensure timely and cost-effective outcomes. Property and casualty licenses are required.

• Analyzes insurance policies and other documents to determine insurance coverage
• Investigates and analyzes claim information to determine extent of liability
• Handles 3rd Party Liability Claims with complex to major severity
• Assist in suits, mediations and arbitrations. Works with Counsel in the defense of litigation
• Sets timely, adequate reserves in compliance with the company’s reserving philosophy
• Engages experts to assist in the evaluation of the claim
• Monitors vendor performance and controls expense costs
• Evaluates, negotiates, and determines settlement values
• Communicates with all interested parties throughout the life of the claim
• Proactively discusses coverage decisions, the need for additional information, and settlement amounts with interested parties
• Handles all claims in accordance with Best Practices
• Responsible for monitoring and completing assigned claims inventory
• Acquire and maintain a state adjuster’s license and meet state continuing education requirements
• Provides Best-In-Class customer service for insureds and agents
• Develops and maintains relationships with external and internal stakeholders
• Acts as a mentor for less experienced Claims Professionals
• Identifies opportunities for subrogation and ensures recovery interests are protected
• Identifies fraud indicators and refers files to SIU for further investigation
• Participates in claims audits, internal and external
• Mentor fellow adjusters and enhance their career development
• Assists with special projects

• 5 years experience with handling complex Commercial Auto claims 
• Bachelor’s Degree or equivalent work experience
• Experience resolving high severity injury claims
• Must possess excellent interpersonal and organizational skills and be able to handle multiple tasks while managing competing priorities
• Must be willing to work independently and as part of a team
• Ability to collaborate and successfully manage work when working at home or in the office in a flexible work environment
• Effective decision- making skills including the ability to recognize, analyze, and improve claims performance against standards and goals
• Experience handling self- insured retentions, surplus lines coverages, and partnering with MGAs is a plus
• Extensive experience across all technical areas of Commercial Auto inclusive of but not limited to Physical Damage, Auto Liability, first-party medical / Personal Injury Protection, Motor Truck Cargo, MCS-90, and Truckers General Liability 
• Extensive experience with analyzing, determining, and applying Coverage for Commercial Auto claims
• Advanced experience and capabilities in litigation claims management, including ADR and mediation processes involving Commercial Auto exposures
• Experience attending and controlling cases at mediations/settlement conferences, pre-suit, post suit, pretrial, and post-trial
• Ability to work in a rapidly evolving, high-growth environment with the ability to collaborate across and within different levels of the organization 
• Experience with large Fleets (250 ) with self-insured retentions and/or large deductibles 
• Excellent communication skills (verbal/written) and strong negotiation skills
• Strong time management, organizational, and problem-solving skills
• Ability to adapt, embrace the unknown, and shift priorities 
• Willingness to look outside your day-to-day to ensure you keep learning and growing in a startup environment

• 5 years of Commercial Auto claims experience; trucking preferred
• Active Adjusters License - strongly preferred
• Strong analytical, critical thinking, and problem-solving skills
• Proficiency in Google Suite, Microsoft Office and Adobe Acrobat

• Competitive salary & stock options - we want our success to be yours too
• Unlimited PTO with 11 paid holidays each year
• Medical, Dental, Vision, Short/Long Term Disability, Basic Life, and AD&D to support you and your well-being
• FSA / HSA programs
• 401(k) retirement plan with company match contribution
• Inclusive Parental Leave policy that supports all parents
• Wednesdays are standing meeting-free, allowing you to focus on deep work without distractions
• Birthday meal reimbursement, because celebrating our employees is part of our company culture
• A remote-friendly environment with the opportunity to participate in periodic in-person team offsites

Salary : $50