Liability Assoc. Claims Adjuster

The Liability Associate Claims Adjuster is responsible for investigating, evaluating, negotiating, and resolving first-party automobile physical damage claims and third-party automobile and general liability property damage claims.

Key Responsibilities:

• Investigate claims to determine coverage, liability, and damages.
• Review accident reports, witness statements, repair estimates, and related claim materials.
• Conduct interviews with claimants, insureds, witnesses, and other involved parties.
• Analyze policy provisions and coverage details to determine claim applicability.
• Complete damages investigations, including repair estimates, loss of use, and diminished value.
• Issue payments in accordance with coverage, liability, and damages investigation, company policies, and client service standards.
• Identify subrogation or other risk transfer opportunities and refer files to the subrogation unit.
• Manage assigned claims from initial report through resolution.
• Establish and maintain 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.
• Maintain regular communication with clients, insureds, claimants, and other involved parties.
• Provide updates regarding claim status, strategy, and resolution progress.
• Deliver high-quality customer service.
• 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:

• Claims adjusting licenses as required by jurisdiction (Florida).
• 2 years of first-party physical damage, automobile liability, commercial general liability, or closely related experience.
• Strong investigative, analytical, and negotiation skills.
• Excellent written and verbal communication abilities.
• Ability to manage multiple claims while maintaining quality and service standards.
• Knowledge of Florida Sovereign Immunity law.

Benefits:

• Medical, dental, and vision plans.
• 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.