What are the responsibilities and job description for the Personal Lines, Claims Examiner position at USLI?
About Us: At USLI, we’re not just about insurance — we are committed to making a difference, both internally and externally. Our community is built upon five values: Caring, Attitude, Respect, Empathy and Energy. Our commitment to these values leads us to make better decisions and furthers our true sense of community. By joining our team, you'll be part of a vibrant organization that values innovation, collaboration, and growth. Here, you’ll have the opportunity to shape the future of insurance and make a meaningful impact.
Key Responsibilities:
- Coverage Assessment: Review first notice of loss and policy details to confirm coverage; draft disclaimers and reservation of rights letters as needed.
- Comprehensive Investigations: Conduct in-depth investigations, including liability and damage assessments, witness interviews, scene inspections, and evidence collection.
- Independent Adjuster Coordination: Retain and direct independent adjusters, overseeing all aspects of the investigation process.
- Liability Evaluation: Apply statutory and case law to assess liability exposure and ensure equitable contributions from joint tortfeasors.
- Reserve Management: Maintain accurate reserves, adjusting as claims develop to reflect liability and damages accurately.
- Claims Handling: Proactively manage claim files, negotiate settlements directly with claimants or attorneys, oversee defense counsel, and ensure efficient litigation management.
- Detailed Reporting: Prepare comprehensive reserve authority requests, reinsurance reports, serious loss reports, and coverage position letters.
- Cross-Department Collaboration: Work closely with underwriting, compliance, and actuarial teams to support sound product management and claim resolutions.
What You’ll Bring:
- Analytical Thinking: Strong problem-solving skills with a keen focus on liability assessment and damage evaluation.
- Effective Communication: Excellent oral and written communication skills to engage effectively with all stakeholders.
- Negotiation Skills: Proven ability to negotiate settlements, resolve disputes, and manage conflicts effectively.
- Organizational Excellence: Strong time management and organizational skills to handle multiple priorities efficiently.
- Technical Expertise: Solid understanding of insurance coverage, negligence law, and claim evaluation processes.
Qualifications:
- 2 years of relevant experience for Associate Claims Examiner.
- 7 years of relevant experience for Claims Examiner.
- Previous experience as an examiner, adjuster, paralegal, attorney, or in other transferable roles.
- Personal lines experience: Experience in personal lines claims handling is preferred.
- Liability and jurisdiction knowledge: Multi-jurisdictional experience and advanced degrees or JD are a plus.
Passion and drive can be just as important as experience. If you’re excited about this opportunity, we’d love to hear from you!
Position affords 5 days per month to work remotely.
Job Type: Full-time
Expected hours: 35 per week
Benefits:
- 401(k)
- Dental insurance
- Health insurance
- Paid time off
- Professional development assistance
- Referral program
- Vision insurance
Schedule:
- Monday to Friday
Work Location: In person
