Claims Examiner Personal Lines

About Us

At USLI, we’re not just about insurance — we are committed to making a difference, both internally and externally. Our community is built upon five values: Caring, Attitude, Respect, Empathy and Energy. Our commitment to these values leads us to make better decisions and furthers our true sense of community. By joining our team, you'll be part of a vibrant organization that values innovation, collaboration, and growth. Here, you’ll have the opportunity to shape the future of insurance and make a meaningful impact.

Your Role

You’ll play a critical role in evaluating coverage, liability, and damages for each unique claim. You’ll collaborate across teams and with external stakeholders to effectively investigate, negotiate, and resolve claims.

Key Responsibilities

• Coverage review: Confirm coverage by reviewing the first notice of loss and policy details; prepare disclaimers and reservation of rights letters as necessary
• Thorough investigation: Conduct detailed investigations into claims, including liability and damages assessment, witness interviews, scene inspections, and evidence collection
• Independent adjusters: Retain and provide directions to independent adjusters while managing all aspects of the investigation process
• Liability analysis: Apply statutory and case law to evaluate liability exposure and ensure joint tortfeasors contribute their fair share
• Reserve maintenance: Maintain accurate reserves reflecting liability and damages as claims develop
• File management: Proactively manage claim files, negotiate settlements directly with claimants or attorneys, oversee defense counsel, and ensure effective litigation management
• Reporting: Prepare comprehensive reserve authority requests, reinsurance reports, serious loss reports, and coverage position letters
• Cross-team collaboration: Provide updates and collaborate with underwriting, compliance, and actuarial teams to maintain healthy products

What You’ll Bring

• Problem-solving skills: Analytical and creative problem-solving capabilities with a focus on liability and damage evaluation
• Communication: Strong oral and written communication skills to effectively interact with all stakeholders
• Negotiation expertise: Assertive decision-making with effective negotiation and conflict management skills
• Organization: Strong organizational and time management skills to manage multiple priorities efficiently
• Technical knowledge: Familiarity with insurance coverage, negligence law, and claim evaluation processes

Qualifications

• 2+ years of relevant experience for Associate Claims Examiner
• 7+ years of relevant experience for Claims Examiner
• Previous experience as an examiner, adjuster, paralegal, attorney, or in other transferable roles
• Personal lines experience: Experience in personal lines claims handling is preferred
• Liability and jurisdiction knowledge: Multi-jurisdictional experience and advanced degrees or JD are a plus
• Passion and drive can be just as important as experience

What We Offer

• One of the advantages of working at USLI is the competitive salary and benefits program we offer full-time and eligible part-time employees.
• Benefits include performance-based triannual bonuses, medical benefits paid at 100% for full-time employees and 80% for eligible part-time employees, a profit-sharing program, free lunch every day while onsite, and more than 450 annual personal and professional development courses.
• Explore more company benefits.

Why USLI?

• We are committed to fostering a vibrant and inclusive community that celebrates the rich diversity of all ethnicities, nationalities, abilities, genders, gender identities, sexual orientations, ages, religions, socioeconomic backgrounds, and life experiences.
• We understand the importance of continuous learning, self-reflection, acknowledging our biases, and expanding our perspectives beyond our own.
• We actively encourage open dialogue on diversity, equity, inclusion, and belonging to support a workplace where every individual feels valued, respected, and empowered to contribute at their fullest potential.
• Join us in building a diverse and inclusive environment where our shared values drive us toward excellence.