Consultant Casualty Claims

The Hanover Insurance Group · Farmington Hills, MI · 4 days ago

Full-time

Position Overview

Michigan Assigned Claims Plan
The Consultant Casualty Claims is responsible for managing a caseload of moderate complexity claims from start to finish. This includes conducting thorough investigations, assessing liability, negotiating settlements within defined authority limits, and maintaining clear communication with claimants, third parties, and legal representatives. The role requires strong analytical skills, sound judgment, and adherence to company policies and regulatory standards throughout the claims process.

Responsibilities

Manage a caseload of moderately complex casualty claims from intake through resolution.
Conduct thorough investigations, assess liability, and evaluate damages using established procedures.
Collaborate with underwriting, legal, and internal/external stakeholders as needed to ensure comprehensive claim evaluation.
Identify and refer potentially suspicious claims to the Special Investigations Unit.
Apply comparative negligence laws and state-specific regulations to claim assessments.
Set reserves, authorize payments, and demonstrate financial acumen within scope of authority.
Utilize technology and data tools to enhance claims processing efficiency and accuracy.
Communicate directly with claimants, legal representatives, and third parties to negotiate fair resolutions.
Maintain detailed and compliant documentation of claim activities and communications.
Participate in team collaboration, problem-solving discussions, and cross-functional coordination.
Support subrogation efforts and risk transfer opportunities to benefit insureds and business partners.
Handle sensitive communications professionally and translate complex information for diverse audiences.
Mentor entry-level claim handlers and share best practices learned through training and experience.
Attend ongoing training and education to maintain licensing and stay current on industry standards.
Independently manage indemnity, medical, and basic arbitration or mediation components of claims with supervisory support.

Requirements

Associate degree required; bachelor's degree preferred or combination of education and experience.
Typically has 1-4 years of relevant claims handling experience.
Conduct independent analysis of contractual indemnification.
Independently execute indemnity, medical, litigation/resolution management.
Proficient with basic computer navigation; ability to use basic software systems/applications (Suite of MS Office Products) and use of internet.
Learn and handle negotiations independently within authority, understand common tactics for moderately complex claim resolution.
Use judgement and effectively utilize the most suitable communication channel while displaying empathy towards all stakeholders.
Knowledge of various types of insurance products and processes.
Conduct thorough investigations; identify key issues and gather evidence.
Provide effective empathetic customer service; handle routine inquiries and issues.

Skills

Analytical Reasoning
Customer Centricity
Digital Fluency
Persuasion and Influence
Professional Insurance Acumen
Planning and Execution

Benefits

Medical, dental, vision, life, and disability insurance
401K with a company match
Tuition reimbursement
PTO
Company paid holidays
Flexible work arrangements
Cultural Awareness Day in support of IDEOn-site medical/wellness center (Worcester only)
Click here for the full list of Benefits

EEO Statement

The Hanover values diversity in the workplace and among our customers. The company provides equal opportunity for employment and promotion to all qualified employees and applicants on the basis of experience, training, education, and ability to do the available work without regard to race, religion, color, age, sex/gender, sexual orientation, national origin, gender identity, disability, marital status, veteran status, genetic information, ancestry or any other status protected by law. Furthermore, The Hanover Insurance Group is committed to providing an equal opportunity workplace that is free of discrimination and harassment based on national origin, race, color, religion, gender, ancestry, age, sexual orientation, gender identity, disability, marital status, veteran status, genetic information or any other status protected by law.”