Casualty Claims Representative

A career at Auto-Owners is challenging and rewarding. Our group of caring associates create financial security by helping individuals and businesses make a new start when a loss occurs.
Job Description
Applications are accepted on an ongoing basis. An open position may not be available at this time.
We offer a merit-based work-from-home program based on job responsibilities. After initial training in-person, you could have the flexibility of work-from-home time as defined by the leadership team.
Auto-Owners Insurance, a top-rated insurance carrier, is seeking an experienced and motivated Casualty Claims professional to join our team. This position involves handling a variety of liability claims, including premises liability, non-auto bodily injury, property damage, personal injury, and advertising injury, under Commercial General Liability (CGL), Businessowners (BOP), and Umbrella, Home, and Farm policies. Claims may involve complex liability investigations, coverage disputes, contractual indemnity issues, and litigation. This job requires mastery of claims-handling skills and requires the person to:
Manage an active caseload of casualty claims from initial investigation through resolution within established authority limits.
Investigate assigned casualty claims by collecting statements, physical evidence, and legal documentation.
Analyze and interpret policy coverage, evaluate negligence and liability, identify potential defenses, and determine damages.
Negotiate claims settlements in accordance with company procedures and within authority limits.
Work collaboratively with defense counsel on litigated claims, including participation in mediations and attendance at trials as needed.
Communicate claim status to all relevant stakeholders, including insureds and agents.
Maintain accurate documentation in company systems and adhere to regulatory and internal standards.
Participate in training and education programs to enhance claim-handling skills.
Travel as needed for onsite investigations or meetings.
Maintain punctual attendance according to an assigned work schedule at a Company-approved work location.
Desired Skills & Experience
Bachelor’s degree or equivalent combination of education and related experience.
At least 3 years of casualty claims experience.
Experience handling premises liability, non-auto bodily injury, and property damage claims preferred.
Basic understanding of casualty policy language.
Strong verbal and written communication.
Ability to gather and interpret information for effective claims resolution.
Demonstrated ability to manage time and tasks efficiently.
Interpersonal skills to deal with diverse customers and situations.
Benefits
Auto-Owners offers a wide range of career opportunities, and we are seeking talent that will help us continue our long tradition of success. We offer a friendly work environment, structured training program, employee mentoring and an excellent benefits package. Along with a matched 401(k), fully funded pension plan (once vested), Auto-Owners offers medical, prescription, dental and vision insurance; associate, spouse and child life insurance; short-term disability; long-term disability; health care flexible spending accounts and dependent care flexible spending accounts. Additional benefits include: generous paid time off including holidays, vacation days, personal time, sick leave and parental leave; adoption assistance; discounts on personal insurance; education matching gift program, and a gym membership and fitness class reimbursement program. If you're looking to do rewarding work alongside great people, Auto-Owners is the place for you!
Compensation
Auto-Owners offers a generous compensation package. For this position, the anticipated annualized starting base pay range is: $66,000.00 - $106,00.00. Starting salary within the range is determined based on relevant experience, education, qualifications, and other job-related factors. Other components of the compensation package include several bonus opportunities.
Equal Employment Opportunity
Auto-Owners Insurance is an equal opportunity employer. The Company hires, transfers, and promotes on the basis of ability, without consideration of disability, age, sex, race, color, religion, height, weight, marital status, sexual orientation, gender identity or national origin, or any factor contrary to federal, state or local law.
Please note that the ability to work in the U.S. without current or future sponsorship is a requirement.