Inland Marine & Cargo Claims Examiner

Key Responsibilities

• Investigate Commercial Transportation claims specifically to Inland Marine and Cargo, involving physical damage to trucks, tractors, trailers, buses, commercial fleets, and specialized transportation equipment.
• Review policy language to determine coverage applicability, exclusions, limits, deductibles, and endorsements.
• Evaluate liability associated with losses occurring while commercial vehicles are under the care, custody, or control of insured garage operations.
• Obtain and analyze repair estimates, maintenance records, inspection reports, photographs, contracts, invoices, and statements from insureds, claimants, and witnesses.
• Cook up inspections with appraisers, heavy equipment specialists, engineers, salvage vendors, and independent adjusters.
• Assess damages involving commercial vehicles, cargo-related equipment, specialized transportation units, and fleet assets.
• Establish and maintain appropriate claim reserves based on exposure and severity.
• Negotiate settlements with insureds, fleet owners, repair facilities, attorneys, and third-party claimants within established authority levels.
• Identify and pursue subrogation opportunities against responsible parties, manufacturers, vendors, or contractors.
• Manage litigation and work closely with defense counsel on disputed liability or coverage matters.
• Detect and escalate potentially fraudulent claims for special investigation.
• Maintain accurate claim documentation and diary management in compliance with company procedures and regulatory requirements.
• Deliver timely and professional customer service to insureds, brokers, agents, fleet managers, and transportation industry stakeholders.
• Participate in claim audits, training initiatives, and process improvement efforts.

Benefits and Perks

• Competitive compensation and benefits package commensurate with experience, including base salary, performance-based incentives, paid time off, comprehensive medical, dental, vision, and life insurance, as well as a 401(k) plan with company matching.
• Raphael & Associates is an Equal Opportunity Employer. We are committed to building an equitable, collaborative and diverse workforce throughout our organization by providing equal employment opportunities to all employees and applicants without regard to race, color, religion, sex, national origin, age, disability, genetic information, veteran status, or any other legally protected characteristic. This policy extends to all aspects of our employment practices, including but not limited to, recruiting, hiring, discipline, terminations, promoting, transferring, compensation, benefits, training, leave of absence, and other terms, conditions, and benefits of employment.