APD Claims Representative

CNA Insurance • Downers Grove, IL

22d • $47,000 - $78,000 • Hybrid

About The Position

This individual contributor role operates under broad authority to manage commercial claims of low to moderate complexity and exposure within the Auto Physical Damage line of business. The position coordinates all aspects of claim resolution in accordance with company guidelines, delivers high-quality outcomes and customer service, and communicates regularly with customers, insureds, and other stakeholders. The role may support designated accounts and follows a flexible hybrid schedule requiring two days per week in a CNA office.

The Claims Representative manages claim files from coverage verification and investigation through valuation, settlement, and disbursement. The position works with internal and external partners, suppliers, and experts to facilitate claim outcomes; identifies recovery or fraud concerns; and maintains compliance with company standards and applicable regulations. The role typically reports to a Manager or above.

Requirements

• High school diploma.
• Must have or be able to obtain and maintain an Insurance Adjuster License within 90 days of hire, where applicable.
• Good verbal and written communication skills, including the ability to demonstrate empathy and provide exceptional customer service.
• Ability to develop collaborative business relationships with internal and external partners.
• Ability to exercise independent judgment, solve basic problems, and make sound business decisions.
• Analytical and critical-thinking skills.
• Strong work ethic and demonstrated time-management and organizational skills.
• Ability to manage multiple priorities in a fast-paced, collaborative environment while maintaining productivity.
• Knowledge of Microsoft Office Suite and ability to learn business-related software.
• Adaptability to a changing environment.
• Ability to value diverse opinions and ideas.

Nice To Haves

• Associate or bachelor's degree.
• Prior claim-handling experience, or business experience in the insurance industry and/or customer service.

Responsibilities

• Manage an inventory of low- to moderate-complexity commercial claims, verifying policy coverage, gathering information, documenting files, and authorizing disbursements within authority limits.
• Interact professionally and effectively with insureds, claimants, and business partners; provide timely updates and respond to inquiries and requests for information.
• Verify coverage and establish timely, adequate reserves by reviewing policy language and estimating potential claim value.
• Investigate claims, gather pertinent information, take recorded statements, and work with experts to determine liability and compensability.
• Collaborate with appropriate internal and external partners, suppliers, and experts to facilitate strong claim outcomes.
• Determine liability and compensability, negotiate settlements, authorize disbursements within authority limits, and escalate matters to a manager as appropriate.
• Manage expenses by resolving claims promptly and accurately, selecting and overseeing appropriate resources, and delivering high-quality service.
• Identify subrogation or salvage opportunities and potential fraud, and refer matters to appropriate Claim, Recovery, or SIU resources.
• Meet quality and cycle-time standards, maintain appropriate documentation, and issue appropriate claim disbursements.
• Comply with state and local regulatory requirements and stay current on relevant commercial insurance laws, regulations, and trends.
• Perform additional duties as assigned.

Benefits

• CNA offers a comprehensive and competitive benefits package supporting employees’ and their family members’ physical, financial, emotional, and social wellbeing. Details are available at cnabenefits.com.

What This Job Offers

• Job Type: Full-time
• Career Level: Entry Level
• Education Level: High school or GED