Claims Examiner, Liability - MSI

MSI, part of The Baldwin Group

3d•Remote

About The Position

MSI is seeking an experienced Claims Examiner to join its Liability Claims Team and support its growing in-house renters claims handling capabilities. The role focuses on third-party renters liability claims involving bodily injury and property damage under homeowners and renters insurance policies nationwide. The examiner manages low- to moderate-severity and complexity claims from initial assignment through resolution, including coverage analysis, investigation, reserving, negotiation, and settlement. The role requires strong technical claims knowledge, effective communication and relationship-building, and the ability to work independently with little to minimal supervision in a fast-paced environment while providing high-quality service to customers and business partners. Prior renters liability claim handling experience is a plus but is not required.

Requirements

Bachelor’s degree or equivalent work experience.
At least 5 years of casualty claims adjusting experience.
State adjuster license(s); willingness to obtain additional licenses as needed.
Clear, professional verbal and written communication skills and ability to provide superior customer service.
Strong organizational and time-management skills.
Strong writing skills.
Excellent analytical, investigative, and negotiation skills.
Proficiency with Microsoft Office, Teams, Word, and Excel, and ability to learn and use new computer systems and technologies.
Ability to manage claims independently with little to no supervision in a fast-paced environment.

Nice To Haves

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

Responsibilities

Handle third-party bodily injury and property damage claims of low to moderate complexity from assignment through resolution, including negotiating settlements.
Analyze insurance policies and make coverage determinations; draft Reservation of Rights letters and coverage disclaimers when warranted.
Contact policyholders, claimants, and other parties promptly to gather information, obtain recorded statements, and conduct investigations.
Investigate claim validity and potential insured liability; evaluate bodily injury and property damage and set appropriate reserves.
Manage a claim caseload efficiently and independently, setting and reviewing reserves in accordance with company guidelines.
Manage defense counsel, including assisting with claim strategy, evaluating exposure, reviewing invoices, and attending mediations and settlement conferences as needed.
Engage and monitor experts and vendors as needed while controlling expenses.
Draft large-loss reports and other reports requested by leadership.
Evaluate, negotiate, and determine settlement values.
Communicate proactively with interested parties throughout the claim, including about coverage decisions, additional information needs, and settlement amounts.
Maintain an organized diary system and complete assigned claims inventory in a timely manner.
Comply with state and local regulations, including New Jersey and Pennsylvania unfair claims practices and guidelines.
Handle claims according to best practices and provide high-quality service to insureds, agents, claimants, and business partners.
Acquire and maintain multiple state adjuster licenses and meet continuing education requirements.
Build 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.