Liability Senior Claims Adjuster - Municipal Claims (FL License)

The Liability Senior Claims Adjuster is responsible for investigating, evaluating, negotiating, and resolving liability-related claims in accordance with company policies, client service standards, and regulatory requirements.

Key Responsibilities:

• Manages complex and high-exposure liability claims, including significant bodily injury and litigated claims
• Develops claim strategies and works closely with defense counsel and internal leadership on complex matters
• Serves as a technical resource and mentor to less experienced adjusters
• May assist with training, file reviews, and complex claim consultations
• Brings strong expertise in casualty, commercial liability, and claim resolution strategy

Claims Investigation & Evaluation:

• Investigate liability claims to determine coverage, liability, and damages
• Review accident reports, witness statements, medical documentation, and related claim materials
• Conduct interviews with claimants, insureds, witnesses, and other involved parties
• Analyze policy provisions and coverage details to determine claim applicability

Claims Handling & Resolution:

• Manage assigned claims from initial report through resolution
• Establish and maintain appropriate claim reserves based on claim exposure
• Evaluate damages including bodily injury, liability exposure, and property damage
• Negotiate settlements with claimants, attorneys, and other involved parties
• Coordinate with defense counsel and assist in litigation management when applicable

Communication & Client Service:

• Maintain regular communication with clients, insureds, claimants, and legal representatives
• Provide updates regarding claim status, strategy, and resolution progress
• Deliver high-quality customer service while managing sensitive claim situations

Documentation & Compliance:

• Maintain accurate and detailed claim documentation within the claims management system
• Ensure claim handling complies with company guidelines, regulatory requirements, and client service standards
• Identify potential fraud indicators and escalate concerns when appropriate

Skills, Knowledge & Expertise

• 5-7+ years of liability or casualty claims handling experience
• Demonstrated experience managing complex, litigated, and high-severity claims
• Claims adjusting licenses as required by jurisdiction
• Experience handling liability, casualty, or bodily injury claims preferred
• Strong investigative, analytical, and negotiation skills
• Excellent written and verbal communication abilities
• Ability to manage multiple claims while maintaining quality and service standards

Preferred Qualifications

• Experience managing bodily injury claims and attorney-represented files
• Knowledge of commercial liability and casualty claim exposures
• Industry designations such as AIC, CPCU, or equivalent

Benefits

• Medical, dental, and vision plans to support your health and that of your family
• A 401(k) plan with employer matching
• Time-off policies, including Discretionary Time Off (DTO) for exempt employees and Paid Time Off (PTO) for non-exempt employees
• Paid holidays
• Life insurance and short-term and long-term disability coverage