Claims Representative – Commercial Liability

Role Overview

• Support customers with empathy and understanding, assisting them through difficult situations and effectively communicating the claims process.
• Verify coverage by thoroughly reviewing the policy and interpreting policy terms, conditions, and language.
• Evaluate liability by taking recorded statements from involved parties and witnesses, reviewing police reports, and compiling other pertinent evidence.
• Negotiate or deny liability based on the investigation outcome.
• Evaluate physical damage and bodily injury claims based on estimates, photographs, appraisals, medical reports, medical bills, and other evidence.
• Work closely with medical providers, repair shops, and/or contractors to facilitate necessary and related services or repair work.
• Establish timely reserves based on the ongoing liability and damage assessments.
• Negotiate property damage and bodily injury settlements with policyholders, claimants or attorneys, and other insurance carriers to resolve matters within the evaluation.
• Timely pay claims within assigned authority limits.
• Comply with industry regulations, legal requirements, and internal policies through thorough documentation of all decisions, correspondence, and discussions that occur throughout the life cycle of the claim.
• Determine if subrogation exists and work with the subrogation department on recovery of damages.
• Obtain and maintain state licensing requirements.

Requirements

• Bachelors Degree or equivalent work experience.
• Minimum 1 year of related work experience.
• Insurance experience and/or coursework preferred.
• Ability to review and analyze detailed documents, insurance policies, coverages, medical terminology, and insurance regulations.
• Ability to make appropriate claim decisions, prioritize, and manage workload.
• Technology aptitude.
• Demonstrated fundamental negotiation skills.

Benefits

• Flexibility through a scheduled Hybrid work model.
• Meal Subsidy available for associates who report to an office.
• 401(K) plan with a dollar for dollar match on your first eight percent, plus immediate vesting.
• Continue your education and career development through Sentry University (SentryU) and utilize our Tuition Reimbursement program.
• Generous Paid-Time Off plan for you to enjoy time out of the office as well as Volunteer-Time off.
• Group Medical, Dental, Vision, Life insurance, Parental leave, and our Health and Wellness benefits.
• Well-being and Employee Assistance programs.
• Sentry Foundation gift matching program to encourage charitable giving.