Senior Casualty Claim Specialist - Tampa, FL

Location: Hybrid – Tampa, Florida

Schedule: Monday-Friday 8am-5pm ET

About the Role

As a driven experienced Florida Litigation Bodily Injury Adjuster, you will evaluate high-exposure claims, partner with legal counsel, and resolve complex cases through strategic negotiation and sound decision-making. A strong knowledge of Florida bodily injury claims, litigation processes, coverage analysis, and negotiation techniques is essential to minimize financial exposure and support organizational objectives.

Responsibilities

• Review assigned claims.
• Contact the insured and other affected parties, set expectations for the remainder of the claim process, and thoroughly document activities in the claim file.
• Complete complex coverage analysis and ensure all possible policyholder benefits are identified.
• Investigate the facts regarding the claim and determine if the claim should be paid, confirming recovery potential.
• Conduct thorough reviews of damages and determine the applicability of state law and other factors related to the claim.
• Identify when to refer claims to other company units (e.g., Underwriting, Subrogation, or Special Investigation Unit).
• Handle both attorney-represented and unrepresented claimants with injury claims involving coverage investigation, liability disputes, bodily injuries, and litigation.
• Assist Claim Manager with file reviews and training.
• Possess strong critical thinking and negotiating skills.

Requirements

• Florida State Adjuster License (required in states where an Adjuster’s license is mandatory).
• Degree in Business Administration, Insurance, or a related field, or equivalent work experience.
• Valid driver's license (required if primary responsibilities involve conducting in-person inspections or frequent in-person meetings).
• Five years of experience or equivalent training in:
  • Negotiation of claim settlements
  • Securing and evaluating evidence
  • Preparing manual and electronic estimates
  • Subrogation claims
  • Resolving coverage questions
  • Taking statements
  • Establishing clear evaluation and resolution plans for claims
• Must reside within 50 miles of Tampa, Florida.
• Ability to travel outside of assigned territory, which may involve overnight stays, work evenings, or weekends, and relocate if necessary.

Skills & Knowledge

• Advanced knowledge of:
  • Fair Trade Practices Act as it relates to claims
  • Subrogation procedures and processes
  • Intercompany arbitration
  • Handling litigation
  • Negligence Law
  • No-Fault Law
  • Medical terminology and human anatomy
• Ability to:
  • Handle claims to the line Claim Handling Standards
  • Follow and apply ACG Claim policies, procedures, and guidelines
  • Work within assigned ACG Claim systems, including basic PC software
  • Perform basic claim file review and investigations
  • Demonstrate effective communication skills (verbal and written)
  • Demonstrate customer service skills by building and maintaining relationships with insured/claimants
  • Analyze and solve problems while demonstrating sound decision-making
  • Prioritize claim-related functions
  • Process time-sensitive data and information from multiple sources
  • Manage time, organize, and plan workload and responsibilities
  • Research, analyze, and interpret subrogation laws in various states

Preferred Qualifications

• Associate degree in Business Administration, Insurance, or a related field, or equivalent work experience.
• Completion of the ACG Claim Representative Training Program or equivalent knowledge/experience.
• Completion of the Insurance Institute of America's: General Insurance Program, Associate in Claims, Associate in Management, or equivalent.
• CPCU coursework or designation.
• Five years of litigation file handling experience.

Work Environment

This is a hybrid work arrangement (time spent in office and remote). Depending on the role and leadership’s assessment, some employees will come into an ACG facility on a weekly, monthly, or "as needed" basis for key meetings and collaborative activities. Most employees will be required to come into the office, at a minimum, for important departmental meetings or team-building events.

Pay

A Senior Litigation Bodily Injury Claim Specialist earns a competitive annual salary of $75,000-$85,000, along with the opportunity for an annual company bonus incentive.

Benefits

Health & Wellness

• Medical plans with multiple coverage options, including HSA eligibility.
• Prescription drug coverage.
• Dental and vision benefits.
• Employee Assistance Program (confidential support services).

Financial Protection & Insurance

• Company-paid basic life insurance.
• Optional supplemental life insurance and dependent coverage.
• Short-term and long-term disability coverage.
• Critical illness, accident, and pet insurance options.

Retirement & Savings

• 401(k) plan with:
  • 3% automatic deferral upon eligibility.
  • Option to contribute 1% to 50% of eligible earnings, either pre- or post-tax.
  • Company match of 50% paid on employee contributions up to 6% of pay (paid annually; immediate vesting).
  • Additional company contribution of 4% of pay each payday (100% vested after three years of service).
• Health Savings Account (HSA) and Flexible Spending Accounts (FSA) options.

Time Off & Leave

• Paid Time Off (PTO):
  • Accrual-based, increases with tenure, eligible at 90 days of employment.
  • Full-time new employees receive up to 12 PTO days annually (accrual based on start date; may include additional PTO based on role and/or state/local requirements).
  • Part-time employee PTO hours calculated based on standard weekly hours (minimum accrual of 3 hours per month).
• Paid holidays:
  • Full-time employees: 10 company-paid holidays annually, plus 1 mental health day, 2 floating holidays, and 1 volunteer day.
  • Part-time employees: 8 company-paid holidays annually, plus 1 mental health day and 2 floating holidays.
• Paid leave programs, including parental, bereavement, jury duty, and military leave.

Career Growth & Education

• Tuition assistance (up to $5,250 annually; 80% covered by ACG).
• Professional certification support with 100% reimbursement for eligible programs.
• Opportunities for career development and advancement.

Additional Perks

• Complimentary AAA membership with roadside assistance and travel discounts.
• Adoption assistance program.