Northland Liability Claim Representative

Full-time - Entry Level

Insurance Carriers and Related Activities

About the position

The position is responsible for investigating, evaluating, reserving, negotiating, and resolving assigned Specialty Liability related Bodily Injury and Property Damage claims, or first party business property claims of moderate severity or complexity. This role provides quality claim handling throughout the claim life cycle, which includes customer contacts, coverage analysis, investigation, evaluation, reserving, negotiation, and resolution. The position requires maintaining full compliance with internal and external quality standards and state-specific regulations. The successful candidate will engage in timely coverage analysis and communication with insured parties based on the application of policy information, facts, or allegations of each case. They will consult with the Unit Manager on the use of Claim Coverage Counsel and investigate each claim through prompt contact with appropriate parties such as policyholders, claimants, law enforcement agencies, and medical providers to determine the extent of liability, damages, and contribution potential. The role also involves taking necessary statements, identifying resources for specific activities required to properly investigate claims, and coordinating the results of their efforts and findings. The candidate will verify the nature and extent of injury or property damage by obtaining and reviewing appropriate records and damages documentation. Effective diary management is crucial to ensure that all claims are handled timely. At required time intervals, the candidate will evaluate liability and damages exposure, establishing proper indemnity and expense reserves. They will be responsible for the prompt, cost-effective, and proper disposition of all claims within delegated authority, negotiating the disposition of claims with insureds and claimants or their representatives, and recognizing and implementing alternate means of resolution. Maintaining claim files, effective diary systems, and documenting claim file activities in accordance with established procedures is essential. The candidate may attend depositions and other legal proceedings as needed, updating appropriate parties as new facts become available and their impact on liability analysis and settlement options. They will recognize cases based on severity protocols to be referred timely to the next level claim professional or Major Case Unit, appropriately dealing with personal and confidential information. The role also includes fulfilling specific service commitments made to certain accounts and representing the company as a technical resource while ensuring quality customer service and file quality. The acquisition and maintenance of Insurance License(s) may be required to comply with state and Travelers requirements, with licenses generally needing to be obtained within three months of starting the job.

Responsibilities

• Investigate, evaluate, reserve, negotiate, and resolve assigned Specialty Liability related Bodily Injury and Property Damage claims.
• Conduct timely coverage analysis and communicate with insured based on policy information and case facts.
• Consult with Unit Manager on the use of Claim Coverage Counsel.
• Investigate claims through prompt contact with policyholders, claimants, law enforcement, and medical providers.
• Take necessary statements and identify resources for proper investigation of claims.
• Verify the nature and extent of injury or property damage by reviewing records and documentation.
• Maintain an effective diary management system to ensure timely handling of claims.
• Evaluate liability and damages exposure at required intervals and establish proper reserves.
• Negotiate disposition of claims with insureds and claimants or their representatives.
• Maintain claim files and document claim file activities according to established procedures.
• Attend depositions and legal proceedings as needed.
• Update appropriate parties with new facts and their impact on liability analysis and settlement options.
• Recognize cases for referral to next level claim professionals or Major Case Unit based on severity protocols.
• Fulfill specific service commitments made to certain accounts and inquiries from agents and brokers.

Requirements

• High School Degree or GED required.
• A minimum of one year liability or property claim handling experience required.
• Bachelor's Degree preferred.
• 2 years business experience preferred.
• Demonstrated knowledge and ability in claims handling.
• Advanced level knowledge and skill in claims and litigation.
• Basic working level knowledge and skill in various business line products.
• Strong negotiation and customer service skills.
• Strong verbal and written communication skills.
• Strong keyboard skills and proficiency in Windows, including Excel and Word.
• Demonstrated good organizational skills with the ability to prioritize and work independently.

Nice-to-haves

• Insurance Contract Knowledge
• Principles of Investigation
• Value Determination
• Settlement Techniques

Benefits

• Health Insurance coverage for employees and eligible family members from the first day of employment.
• 401(k) matching contributions dollar-for-dollar up to the first 5% of eligible pay.
• Pension Plan that is 100% funded by Travelers.
• Minimum of 20 days Paid Time Off annually, plus nine paid company Holidays.
• Access to a wellness program with tools, discounts, and resources for wellness goals.
• Mental health program providing access to free professional counseling services and health coaching.
• Matching Gift and Volunteer Rewards program to encourage community involvement.