Claims Examiner, Liability - MSI

The Baldwin Group

3d•Remote

About The Position

MSI is seeking a Claims Examiner to join its Liability Claims Team and handle renters liability claims. The role manages third-party bodily injury and property damage claims under homeowners and renters insurance policies nationwide, focusing on claims with low to moderate severity and complexity. The examiner handles claims from initial assignment through resolution, including investigations, coverage decisions, reserve setting, negotiation, and settlement, while providing strong service to policyholders, claimants, agents, and business partners. The position requires independent management of a caseload in a fast-paced environment with little to minimal supervision. The examiner works with defense counsel, experts, vendors, and internal and external stakeholders; maintains well-documented claim files; complies with applicable regulations and company practices; and supports less experienced examiners through mentoring. Previous renters liability claim handling is valued but not required.

Requirements

Bachelor’s degree or equivalent work experience.
At least 5 years of casualty claims adjusting experience.
State adjuster license(s), with willingness to obtain additional licenses as needed.
Ability to communicate clearly and professionally and provide superior customer service by phone and in writing.
Strong organizational and time management skills.
Strong writing skills.
Excellent analytical, investigative, and negotiation skills.
Proficiency with Microsoft Office, Teams, Word, Excel, and other computer applications, and ability to learn and use new systems and technologies.

Nice To Haves

Previous renters liability claim handling experience.
First-party property experience.
Insurance designations.
California, Florida, and Texas adjuster licenses.

Responsibilities

Handle third-party bodily injury and property damage claims of low to moderate complexity from initial assignment through resolution, including negotiating settlements.
Evaluate insurance policies and make coverage determinations.
Draft Reservation of Rights letters and coverage disclaimers when warranted.
Contact policyholders, claimants, and other appropriate parties promptly to gather information, take recorded statements, and conduct investigations.
Investigate claims to determine validity and potential liability against insureds.
Evaluate bodily injury and property damage, determine potential exposure, and set appropriate reserves.
Manage a claim caseload efficiently and independently with little to no supervision.
Set timely file reserves in accordance with the company’s reserving philosophy and reevaluate pending reserves throughout each claim.
Manage defense counsel, including assisting with claim strategy, evaluating exposure, reviewing invoices, and attending mediations and settlement conferences as necessary.
Engage experts as needed and monitor expert and vendor performance while controlling expenses.
Draft large-loss reports and other reports for leadership as required.
Evaluate and negotiate claims and determine settlement values.
Communicate with interested parties throughout the claim, including discussing coverage decisions, additional information needs, and settlement amounts.
Maintain an organized diary system to ensure timely handling of claims.
Follow applicable state and local regulations, including NJ/PA Unfair Claims Practices and Guidelines.
Handle claims according to best practices and provide high-quality customer service to insureds, agents, claimants, and business partners.
Monitor and complete assigned claims inventory.
Acquire and maintain multiple state adjuster licenses and fulfill continuing education requirements.
Develop and maintain relationships with internal and external stakeholders.
Identify questionable risks, red flags, and fraud indicators and alert the Special Investigation Unit when appropriate.
Identify subrogation opportunities and protect recovery interests.
Mentor less experienced Claims Examiners.
Maintain clear, well-drafted claim file notes and documentation throughout each file.
Assist with special projects as required.