Cyber Claims Service Representative

About the role

Move beyond claim processing—step into complex coverage decision-making in cyber insurance. Looking to move beyond transactional claims handling? This is an opportunity to work at the forefront of cyber insurance, where no two claims are the same—and your analytical thinking truly matters. At HSB, you’ll handle high-complexity cyber claims across both personal and commercial lines, navigating multi-coverage scenarios, interpreting policy language, and making thoughtful, well-supported coverage decisions. Founded in 1866, The Hartford Steam Boiler Inspection and Insurance Company (HSB) has been a pioneer in industrial safety and loss prevention for over 150 years. Our organization is driven by a passion for technical excellence, innovation, and a commitment to making a lasting difference.

• Not a processing role – You’ll analyze, interpret, and make decisions on complex claims
• High complexity exposure – Claims may involve multiple coverages, competing policy language, and multimillion-dollar exposure
• Variety and challenge – From data breaches to system damage to liability claims, you’ll never see the same claim twice
• True critical thinking – Fact patterns can lead to different outcomes depending on policy interpretation

Responsibilities

• Analyze complex cyber claims involving multiple coverage triggers (e.g., system damage, liability, data compromise, litigation)
• Interpret and apply policy language and contract language to determine accurate coverage decisions
• Investigate claims, assess facts, and evaluate causation and loss scenarios
• Draft detailed, well-supported coverage letters explaining decisions clearly and professionally
• Communicate with insureds and stakeholders in difficult, high-stakes situations with empathy and clarity
• Manage a portfolio of claims while balancing quality, accuracy, and timeliness
• Deliver a consistent, professional customer experience while upholding claims standards

Requirements

• High School diploma is required
• 1+ year experience in a customer‑facing, financial, or service‑oriented position

Qualifications

• College degree is preferred
• 2+ years experience in the Property/Casualty insurance industry and/or as a Claims Adjuster is a plus
• Adjuster licenses as required by state

Skills

• Analytical mindset – able to interpret nuanced policy language and apply it to unique fact patterns
• Critical thinking – comfortable making decisions where outcomes are not always clear‑cut
• Strong writing skills – able to draft clear, structured, and professional coverage letters
• Communication & empathy – able to navigate sensitive conversations with insureds
• Intellectual curiosity – enjoys solving complex problems and learning continuously

Benefits

• Two options for your health insurance plan (PPO or High Deductible)
• Prescription drug coverage (included in your health insurance plan)
• Vision and dental insurance plans
• Additional insurance coverages provided at no cost to you, such as basic life insurance equal to 1x annual salary and AD&D coverage that is equal to 1x annual salary
• Short and Long Term Disability coverage
• Supplemental Life and AD&D plans that you can purchase for yourself and dependents (includes Spouse/domestic partner and children)
• Voluntary Benefit plans that supplement your health and life insurance plans (Accident, Critical Illness and Hospital Indemnity)
• A robust 401k plan with up to a 5% employer match
• A retirement savings plan that is 100% company funded