Complex Commercial Claims Adjuster

The claims department has an immediate opening for someone who can demonstrate the WCF values to join their team as a Complex Commercial Claims Adjuster. The person in this position will investigate, document, and determine coverage and liability for high exposure, complex and litigated commercial auto and general liability claims. This person must demonstrate strong analytical skills, negotiation expertise, and the ability to manage cases from inception to resolution while working closely with defense counsel, insureds, and other stakeholders. This is a full-time, exempt position works locally out of the Phoenix, AZ area. This posting is open to internal and external candidates.

Responsibilities

• Manage a caseload of commercial complex bodily injury claims, including those involving catastrophic injuries and fatalities.
• May act as department trainer regarding handling complex injury claims and litigation process.
• Conduct thorough investigations, including reviewing police reports, medical records, expert evaluations, and witness statements.
• Assess liability, damages, and coverage to make strategic claim decisions.
• Collaborate with legal counsel in litigation management, including attending mediations, depositions, and trials as necessary.
• Evaluate and negotiate settlements within authority limits while balancing cost efficiency and claim resolution.
• Communicate effectively, timely, and transparently with policyholders, claimants, attorneys, and other involved parties.
• Ensure compliance with company policies, regulatory requirements, and best practices.
• Provide recommendations on reserve adjustments based on claim developments.
• Work with internal teams, including underwriting, product and legal, to provide feedback on loss trends and potential risk factors.
• Keep management informed of high-exposure claims and potential risks.
• Maintain accurate and well-documented claim files in the claims management system.
• Prepare detailed reports and recommendations for management and reinsurers on complex claims.
• Stay updated on industry trends, legal changes, and best practices in handling claims.
• Pursue continuous professional development, including obtaining relevant certifications (e.g., CPCU, AIC, or SCLA).
• Ensure accuracy of claims reserves, working independently within the reserve limit.

Qualifications

The most qualified candidate will have:

• At least 5 years of experience handling complex bodily injury claims and litigation in commercial or personal lines insurance.
• Experience with product liability, construction defect, and liquor liability.
• Strong knowledge of tort law, insurance coverage, litigation procedures, and negotiation strategies
• Knowledge of general liability and other insurance principles
• Ability to interpret and evaluate medical records, accident reconstruction reports, and legal filings.
• Ability to communicate effectively, both orally and in writing.
• Organization, time management, and decision-making skills.
• Bachelor's degree or AIC designation.

WCF Insurance offers an extensive compensation package. Benefits include Medical, Dental, and Vision insurance, company paid life insurance, 401K with a generous 6% employer match and additional benefits such as an Employee Assistance Program and time off to volunteer. All employees earn 4 weeks of vacation their first year.

Internal candidates should have acceptable job performance, 6 months in their current position, and must notify their current supervisor that they have applied for the position.

OUR PEOPLE

WCF strives to provide an excellent work experience and cultivate an inclusive environment where anyone who embodies our values will thrive

WCF INSURANCE IS AN EQUAL OPPORTUNITY EMPLOYER

WCF Insurance provides equal employment opportunity to all qualified applicants and employees regardless of race, color, religion, sex, age, national origin, veteran status, disability that can be reasonably accommodated, or any other basis prohibited by federal, state, or local law.