Claims Advocate (Hybrid)

Position Overview

The Commercial Lines Claims Advocate provides expert guidance and advocacy for clients throughout the commercial claims process. Serving as the primary liaison between clients, carriers, and adjusters, this role ensures timely communication, accurate documentation, and fair claim resolution while delivering exceptional customer service and protecting client interests.

Professional Responsibilities

• Serve as the primary point of contact for clients on all commercial Property & Casualty claims.
• Manage claims from initial reporting through final resolution, including complex and escalated claims.
• Monitor claim status in the Agency Management System and carrier portals, ensuring timely updates and follow-up.
• Communicate promptly with clients, carriers, adjusters, and internal teams via phone and email.
• Advocate on behalf of clients by negotiating with adjusters to achieve fair and timely claim outcomes.
• Ensure accurate documentation and compliance with privacy and regulatory requirements, including HIPAA when applicable.
• Build and maintain strong working relationships with carrier claims teams and adjusters.
• Identify claim trends, loss drivers, and potential coverage issues; communicate findings to Account Teams as needed.
• Prepare loss analysis and claims reports, including claim summaries, loss stratification, and mod worksheet reviews.
• Participate in claim reviews, client meetings, carrier negotiations, mediations, or settlements as required.
• Stay informed on carrier changes, industry developments, and federal and state regulations impacting claims.
• Maintain required licenses and complete continuing education as necessary.
• Stay current on industry trends, legislation, and best practices related to claims handling.

Qualifications And Requirements

• Associate degree or equivalent combination of education and experience required; Bachelor’s degree preferred.
• Minimum of 3 years of Property & Casualty claims handling experience, preferably in a client-facing or advocacy role.
• Strong knowledge of commercial P&C coverages including property, general liability, auto, workers’ compensation, and umbrella.
• Property & Casualty Adjuster’s License strongly preferred.
• Strong communication, negotiation, and client advocacy skills.
• Excellent organizational skills with the ability to manage deadlines and multiple claims simultaneously.
• High attention to detail and strong problem-solving abilities.
• Able to work collaboratively with internal teams and external partners.
• Proficiency with Microsoft Word, Excel, Outlook, Agency Management Systems, and web-based carrier tools.