Claims Adjuster

Job title
Liability Insurance Claims Analyst

Salary Band
$55,000.00 - $75,000.00 per year

Job Type
Full-time

Job description
County Risk Services, Inc., a captive third-party administrator for a public entity self-insurance risk pool, is seeking a highly qualified, team-oriented member for its Liability Claims Analyst position. Experience or familiarity with self-insured risk pools, county government, and political subdivisions is preferred.

Manage, investigate and analyze liability claims as assigned to determine liability exposure (third-party bodily injury, specifically slips, trips, and falls; personal injury including false arrest; bodily injury caused by policyholder's operations; employment practices; errors and omissions; NOT PROPERTY-commercial, auto, or personal liability are not the experience needed; only general liability listed above) to ensure ongoing adjudication of claims within company standards and industry best practices; and to identify subrogation of claims and negotiate settlements in a timely manner. Responsible for accurate and timely claims-related billing and payment processing. The successful candidate will have proven themselves in the claims industry and be able to demonstrate their experience.

DUTIES MAY INCLUDE:

• Managing and investigating low to medium complexity liability claims (third-party bodily injury, specifically slips, trips, and falls; personal injury including false arrest; bodily injury caused by policyholder's operations; employment practices; errors and omissions) as assigned by the Claims Director
• Responsibility for claims intake and file set up for assigned lines of coverage
• Handling claims to conclusion including investigation, documentation, coverage analysis, and subrogation/salvage assessment as assigned by the Claims Director
• Examining claim forms, coverage documents and endorsements, and other records to determine applicable coverages
• Investigating claims by interviewing fund members, third-party claimants and witnesses; obtaining official reports; reviewing physical damage reports; and comparing claim information with evidence
• Preparing reports by collecting and summarizing information in claim file notes as required by County Risk Services
• Calculating and assigning timely and appropriate reserves to include managing reserve adequacy throughout the life of the claim
• Negotiating settlement of claims within designated authority level as set by the Claims Director
• Responsibility for timely and accurate processing of claims payments, including settlements and other accounts payable, the distribution of funds and providing verbal and written communications to fund members, third-party claimants, defense counsel and plaintiff counsel as appropriate
• Managing the litigation process to ensure timely and cost-effective claims resolution as assigned by the Claims Director
• Referring cases to supervisor and senior management as appropriate
• Preparing excess reports to reinsurers
• Maintaining and developing professional and technical knowledge through continuing education resources

REQUIRED EXPERIENCE AND SKILLS

• Bachelor's degree from an accredited college or university preferred
• A minimum of five years claims administration experience or equivalent combination of education and experience required
• Working knowledge of liability coverages; General Liability, Auto Liability, Law Enforcement Liability, Errors & Omissions Liability, Employment Practices Liability, Employee Benefits Liability, Cyber Liability and Equitable Defense (third-party bodily injury, specifically slips, trips, and falls; personal injury including false arrest; bodily injury caused by policyholder's operations; employment practices; errors and omissions)
• Working knowledge of appropriate insurance principles and laws for line-of-business claims assigned
• Ability to recognize coverage issues and prepare clear and concise coverage position letters
• Excellent written and verbal communications skills
• Must have ability to work with minimal supervision
• Alabama Department of Insurance all lines adjuster license preferred
• Professional certification as applicable to line of business preferred
• Experience retaining independent adjusters and monitoring their assignments a plus
• Experience with Origami software is preferred

PHYSICAL REQUIREMENTS

• May be required to climb stairs, and ladders
• Will be required to file, stand, reach, kneel or squat
• May be required to drive for extended periods of time

*Please note this job description is not designed to cover or contain a comprehensive listing of all activities, duties or responsibilities that are required of the employee for this position. Duties, responsibilities, and activities may change at any time with or without notice.

County Risk Services, Inc. provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state, or local laws.

Job Type: Full-time

Pay: $55,000.00 - $75,000.00 per year

Benefits:

• 401(k)
• 401(k) 7% Match
• 401(k) matching
• Dental insurance
• Flexible spending account
• Health insurance
• Life insurance
• Paid time off
• Prescription drug insurance
• Vision insurance

Schedule:

• 8 hour shift
• Day shift
• Monday to Friday

Work setting:

• Hybrid work
• Office

Experience:

• litigated claims files (GL NOT auto/property): 5 years (Required)
• liability claims adjusting (not including property): 5 years (Required)

Ability to Commute:

• Montgomery, AL 36104 (Required)

Willingness to travel:

• 25% (Required)

Work Location: Hybrid remote in Montgomery, AL 36104