Claims Representative - Liability

About the role

You will investigate and resolve insurance claims with a focus on accuracy, efficiency, and fair resolution and independently manage caseloads and negotiate settlements. As a Claims Representative-Liability, you will verify coverage by thoroughly reviewing policies and interpreting policy terms, conditions and language; evaluate liability by taking recorded statements, reviewing police reports, and compiling other pertinent evidence; negotiate or deny liability based on investigation outcomes; evaluate physical damage and bodily injury claims based on estimates, photos, appraisals, medical reports, medical bills, and other evidence; work closely with medical providers, repair shops and/or contractors to facilitate necessary and related services; set appropriate claim reserves in a timely manner based on ongoing evaluations of liability; negotiate bodily injury settlements with policyholders, claimants, attorneys, and other insurance carriers to reach fair resolutions within established guidelines; ensure claims are paid promptly and within authorized limits; ensure compliance with industry regulations, legal requirements, and internal policies by thoroughly documenting all decisions, communications, and activities throughout the entire claims process; provide empathetic and supportive service to customers as they navigate challenging situations, clearly explaining the claims process, keeping them informed of their claim status, and communicating decisions along with the reasoning behind them.

At Sentry, we believe our people are the heart of our success. We’re proud to be recognized for the culture we’ve built, earning spots on Forbes’ lists for America’s Best Midsize Employers and Best Employers for New Grads, as well as Newsweek’s America’s Greatest Workplaces for Women and Diversity. These honors reflect our commitment to your professional satisfaction and growth. Building on a legacy, our future is bright but anchored in a long history of stability. Since our founding in 1904, we’ve dedicated ourselves to helping businesses protect their futures. That trust has made us one of the largest and most financially stable mutual insurance companies in the U.S. We’re proud to have maintained an A+ rating from A.M. Best, the industry’s leading authority, for over 30 years. Whether you’re working at our headquarters in Stevens Point, Wisconsin, or one of our many offices across the country, you’ll find a challenging and rewarding environment. Explore the Our Teams tab on our Career Page to see the diverse career paths we offer, with a focus on ongoing development and professional growth. Ready to own your future? Join us at Sentry, opportunities await!

Responsibilities

• Verify coverage by thoroughly reviewing the policies and interpreting policy terms, conditions and language.
• Evaluate liability by taking recorded statements, 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, photos, appraisals, medical reports, medical bills, and other evidence.
• Work closely with medical providers, repair shops and/or contractors to facilitate necessary and related services.
• Set appropriate claim reserves in a timely manner based on ongoing evaluations of liability.
• Negotiate bodily injury settlements with policyholders, claimants, attorneys, and other insurance carriers to reach fair resolutions within established guidelines.
• Ensure claims are paid promptly and within authorized limits.
• Ensure compliance with industry regulations, legal requirements, and internal policies by thoroughly documenting all decisions, communications, and activities throughout the entire claims process.
• Provide empathetic and supportive service to customers as they navigate challenging situations, clearly explaining the claims process, keeping them informed of their claim status, and communicating decisions along with the reasoning behind them.

Requirements

• Bachelor’s degree or equivalent work experience.
• Minimum 1 year of related work experience.
• Prior attorney‑representative experience highly preferred.
• Ability to obtain and maintain state licensing requirements.

Skills

• Ability to review and analyze detailed documents, insurance policies, coverages, medical bills and records.
• Ability to make appropriate claim decisions, prioritize,