Claims Representative Senior - Commercial Liability

Sentry Insurance Agency•Nashville, TN

14d•Hybrid

About The Position

As a Senior Claims Representative on Sentry’s Commercial Lines – Liability teams, you will independently manage a caseload and investigate, evaluate, negotiate, and resolve insurance claims efficiently and accurately. You will provide service through prompt claim investigations, coverage evaluation, liability determinations, and settlement of damages. The role manages litigated and non-litigated automobile claims, most of which are bodily injury files of mid-level severity and complexity, and works with legal counsel and insureds on complex time-limited demands and litigated-file defense. The position is hybrid, with optional work from home on Mondays and Fridays and in-office work Tuesday through Thursday. Sentry provides technology and tools for both office and home workspaces. The posting describes a comprehensive rewards package, including insurance, leave, learning and financial benefits.

Requirements

Bachelor’s degree or related experience.
At least 3 years of related work experience.
Thorough knowledge of claims and claims processes.
Ability to review and analyze complex documents, insurance policies, coverages, medical reports, and insurance regulations.
Ability to make appropriate claim decisions, prioritize, and manage workload.
Effective verbal and written communication skills.
Ability to handle conflict and negotiate resolutions.
Technology aptitude.

Responsibilities

Independently manage a caseload and communicate with all parties involved in claims.
Investigate claims promptly, evaluate coverage and liability, and determine settlements for damages.
Review policies and interpret their terms, conditions, and language; work with coverage counsel when needed.
Assess complex liability by taking recorded statements, reviewing police reports, and compiling relevant evidence.
Analyze potential exposures, including potentially high-limit exposures, and resolve claims in the best interests of the insured, claimant, and Sentry.
Evaluate physical damage and bodily injury claims, coordinating with repair shops, medical providers, automobile appraisers, and contractors as needed.
Establish timely reserves based on ongoing liability and damage assessments.
Negotiate property damage and bodily injury settlements with policyholders, claimants, attorneys, and other insurance carriers.
Manage litigated and non-litigated automobile claims, primarily mid-level severity and complexity bodily injury files.
Work with legal counsel and insureds to review and handle complex time-limited demands and defend litigated files.
Document decisions, correspondence, and discussions throughout the claim lifecycle, complying with industry regulations, legal requirements, and internal policies.

Benefits

Competitive compensation.
Optional work from home on Mondays and Fridays, with office collaboration Tuesday through Thursday.
Technology and tools provided for office and home workspaces.
Depending on location, an on-site cafeteria stipend or meal allowance.
Sentry University and tuition reimbursement.
Group medical, dental, and vision insurance.
Parental leave and caregiver leave.
Pet insurance.
Wellness resources.
HSA, FSA, and Dependent Care FSA options.
Paid Time Off.
Paid Volunteer Time Off.
401(k) with a 100% company match on the first 8% contributed each pay period; funds vest immediately.