Claims Adjuster - P&C

Insurance Program Managers Group•St. Charles, IL

79d•$60,000 - $74,000•Hybrid

About The Position

IPMG is seeking a P&C Adjuster for its claims management division. The role adjusts basic to intermediate exposure automobile liability and general liability property damage and bodily injury claims. It includes monitoring defense counsel’s compliance with litigation-handling guidelines, required reporting cycles, and budget requirements. The adjuster investigates liability, reviews correspondence and insurance policies, evaluates claims, and reports exposures to excess carriers and reinsurers. The role also involves maintaining accurate claim files, coordinating timely transfers, communicating with clients and other stakeholders, setting reserves, authorizing or denying payments, negotiating settlements, and identifying subrogation opportunities. The adjuster contributes to team and department initiatives and supports organizational goals. This is a full-time, exempt hybrid position requiring attendance at the St. Charles, Illinois headquarters two to three days per week. Core hours are 8:30 a.m. to 5:00 p.m., Monday through Friday; schedule flexibility requires management approval. Employees must work 37.5 hours each week to maintain full-time status. Occasional evening and weekend work may be required.

Requirements

Bachelor’s degree in business or equivalent related education.
Knowledge of common software programs, including Microsoft Office and Excel.
Excellent verbal and written communication skills for completing internal and external reports.
Strong cost-benefit analysis, decision-making, and organizational skills.
Strong customer service skills.
Detail-oriented and flexible when working with different service plan structures.

Nice To Haves

1–2+ years of experience adjusting liability claims, including litigation management.
Familiarity with handling first-party claims as well as liability claims.
Multi-jurisdictional tort law and overall federal law experience.
Experience reporting key exposures to excess carriers and reinsurers.
Insurance designations.

Responsibilities

Follow claims best practices, defined processes, and quality standards.
Contact insureds, claimants, witnesses, and other relevant parties to investigate liability under applicable state statutes.
Review claim correspondence and determine appropriate actions.
Evaluate liability claims and report exposures to excess carriers and reinsurers.
Review and interpret insurance policies to determine coverage.
Maintain detailed file notes, timely diary entries, accurate coding, and claim-closing goals.
Draft and discuss coverage letters with clients and agents before sending them.
Ensure accurate and timely claim transfers in accordance with service plans and guidelines.
Provide proactive updates to clients, claimants, and insureds.
Communicate clearly and professionally in writing and verbally.
Participate in client reviews and teleconferences, and occasionally travel for claim reviews.
Follow through on action items committed to stakeholders.
Set and adjust reserves; authorize or deny payments based on claim facts.
Negotiate settlements, including complex cases involving defense counsel.
Identify and pursue subrogation opportunities accurately.
Demonstrate urgency, ownership, and commitment to work; support team and department initiatives.
Analyze data to solve problems and support implementation of initiatives.
Promote collaboration and teamwork across departments.

Benefits

20 days of PTO each year.
12 paid holidays and birthday off.
Medical, dental, and vision coverage beginning on the first day of full-time employment.
Paid parental leave.
Free telemedicine for the employee and family beginning on day one if covered under the medical plan.
401(k) match.
Professional development support and a LinkedIn Learning subscription.
Flexible time off and encouraged time away to support work-life balance.
Life insurance and short- and long-term disability coverage beginning on day one of full-time employment, paid for by IPMG.
Year-end bonus for qualified employees.
Onsite fitness center and showers at the St. Charles headquarters.