Liability Associate, Claims Adjuster

Role Overview

• Investigate first party physical damage and third party liability 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, diminished value, etc
• 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 the file to the subrogation unit
• Manage assigned claims from initial report through resolution
• Establish and maintain appropriate claim reserves based on claim exposure
• Establish and maintain appropriate plan of action and file diary
• Evaluate damages including bodily injury, liability exposure, and property damage
• Negotiate settlements with claimants, attorneys, and other involved parties
• Process form letters
• 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

Requirements

• 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 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