Claims Representative

Continental Casualty Company • Downers Grove, IL

3d

About The Position

This individual-contributor position works under direct supervision and within defined authority limits to manage low- to moderate-complexity commercial claims for a specific line of business. The representative investigates and resolves claims according to company protocols, quality standards, and customer-service expectations. The role requires regular communication with customers and insureds and may be dedicated to specific accounts.

The Claims Representative manages a claim inventory, verifies coverage, gathers information, documents files, establishes reserves, evaluates liability and compensability, and authorizes disbursements within their authority. They work with insureds, claimants, business partners, suppliers, experts, and internal resources to resolve claims and support customer satisfaction. They also identify recovery opportunities and potential fraud, maintain regulatory compliance, and meet quality and cycle-time standards. Additional duties may be assigned.

Requirements

• High school diploma required.
• 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 work partners.
• Ability to exercise independent judgment, solve basic problems, and make sound business decisions.
• Analytical mindset and critical-thinking skills.
• Strong work ethic, time-management skills, and organizational skills.
• Ability to manage multiple priorities in a fast-paced, collaborative environment while maintaining high 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, business experience in the insurance industry, and/or customer-service experience.
• Developing basic knowledge of the commercial insurance industry, products, and claim practices.

Responsibilities

• Manage an inventory of low- to moderate-complexity commercial claims by verifying policy coverage, gathering information, maintaining file documentation, and authorizing disbursements within authority limits.
• Communicate professionally and effectively with insureds, claimants, and business partners; provide timely updates and respond to inquiries and requests for information.
• Review and interpret policy language, estimate claim valuation, establish timely and adequate reserves, and follow claim-handling protocols.
• Investigate claims to determine liability and compensability, including gathering pertinent information, taking recorded statements, and working with experts to verify facts.
• Identify and collaborate with appropriate internal and external partners, suppliers, and experts to facilitate favorable claim outcomes.
• Determine liability and compensability, negotiate settlements, authorize claim disbursements within authority limits, and escalate matters to a manager when appropriate.
• Develop the ability to manage expenses through timely and accurate claim resolution, appropriate resource selection and oversight, and high-quality service.
• Identify subrogation or salvage opportunities and potential fraud, and refer matters to appropriate Claim, Recovery, or SIU resources for further investigation.
• Meet quality and cycle-time standards, follow company guidelines, maintain proper documentation, and issue appropriate claim disbursements.
• Maintain compliance with state and local regulatory requirements and stay current on commercial insurance laws, regulations, and trends relevant to the line of business.
• Perform additional duties as assigned.

Benefits

• Comprehensive and competitive benefits package intended to support employees and their family members’ physical, financial, emotional, and social wellbeing.

What This Job Offers

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