Claims Representative - Commercial Liability

About the role

Efficiently investigate and resolve insurance claims. You’ll manage a caseload, negotiate settlements, and partner with stakeholders to ensure fair, accurate outcomes. This role will be filled in our Stevens Point, WI – Division Street or Nashville, TN office locations under a hybrid work model.

Responsibilities

• Support customers with empathy and understanding, assisting them through difficult situations and effectively communicating the claims process, the ongoing claim status, and decisions, including the reasoning behind them.
• Verify coverage by thoroughly reviewing the policy and interpreting policy terms, conditions, and language.
• Evaluate liability by taking recorded statements from involved parties and witnesses, reviewing police reports, and compiling other pertinent evidence.
• Negotiate or deny liability based on the investigation outcome.
• Evaluate physical damage and bodily injury claims based on estimates, photographs, appraisals, medical reports, medical bills, and other evidence.
• Work closely with medical providers, repair shops, and/or contractors to facilitate necessary and related services or repair work.
• Establish timely reserves based on the ongoing liability and damage assessments.
• Negotiate property damage and bodily injury settlements with policyholders, claimants or attorneys, and other insurance carriers to resolve matters within the evaluation.
• Timely pay claims within assigned authority limits.
• Comply with industry regulations, legal requirements, and internal policies through thorough documentation of all decisions, correspondence, and discussions that occur throughout the life cycle of the claim.
• Determine if subrogation exists and work with the subrogation department on recovery of damages.
• Obtain and maintain state licensing requirements.

Requirements

• Bachelors Degree or equivalent work experience
• Minimum 1 year of related work experience
• Insurance experience and/or coursework preferred
• Ability to review and analyze detailed documents, insurance policies, coverages, medical terminology, and insurance regulations
• Ability to make appropriate claim decisions, prioritize, and manage workload
• Effective verbal and written communication skills
• Technology aptitude
• Demonstrated fundamental negotiation skills

Qualifications

• Ability to make appropriate claim decisions, prioritize, and manage workload
• Effective verbal and written communication skills
• Technology aptitude
• Demonstrated fundamental negotiation skills

Skills

• Ability to review and analyze detailed documents, insurance policies, coverages, medical terminology, and insurance regulations
• Ability to make appropriate claim decisions, prioritize, and manage workload
• Effective verbal and written communication skills
• Technology aptitude
• Demonstrated fundamental negotiation skills

Benefits

At Sentry, your total rewards go beyond competitive compensation. Below are some benefits and perks that you’ll receive. Sentry is happy to offer flexibility through a scheduled Hybrid work model. Monday and Friday work from home if you choose to, Tuesday through Thursday you’ll work in office. As a Sentry associate, you will have an in-office workspace and materials for your home office. In addition to the laptop, you will receive prior to your start, Sentry will provide equipment for your home office. Meal Subsidy available for associates who report to an office. 401(K) plan with a dollar for dollar match on your first eight percent, plus immediate vesting to help strengthen your financial future. Continue your education and career development through Sentry University (SentryU) and utilize our Tuition Reimbursement programGenerous Paid-Time Off plan for you to enjoy time out of the office as well as Volunteer-Time offGroup Medical, Dental, Vision, Life insurance, Parental leave, and our Health and Wellness benefits to encourage a healthy lifestyle. Well-being and Employee Assistance programsSentry Foundation gift matching program to encourage charitable giving.

Pay

Competitive compensation package.

Schedule

Scheduled Hybrid work model. Monday and Friday work from home if you choose to, Tuesday through Thursday you’ll work in office.