Claims Specialist

HUB International • Kansas City, MO

1d • Remote

About The Position

The Claims Specialist serves as an independent claims professional and trusted advisor, responsible for the proactive analysis, advocacy, and resolution of complex commercial claims on behalf of HUB International clients across General Liability, Auto, Property, Workers’ Compensation, Professional Liability, Cyber, and other specialty lines. The position operates with substantial autonomy and exercises discretion and independent judgment with respect to matters of significance, including coverage interpretation, carrier negotiation, reserve evaluation, settlement strategy, and litigation oversight. The Claims Specialist is available on a 24/7/365 basis to respond to time-sensitive client incidents, catastrophic losses, and emergency coverage matters. The following essential duties require the consistent exercise of independent judgment, professional expertise, and decision-making authority that materially affects client risk, financial, and operational outcomes.

Requirements

• Minimum of 2 to 3 years of commercial insurance claims, brokerage claims advocacy, or property and casualty adjusting experience required.
• Working knowledge of multiple commercial lines of coverage preferred, including General Liability, Auto, Property, Workers’ Compensation, Professional Liability, and Cyber.
• Bachelor’s degree preferred; high school diploma or equivalent required.
• Professional industry designations such as AIC, AINS, CPCU, ARM, or equivalent preferred or in active pursuit.
• Active state Property and Casualty Adjuster License required, or the ability to obtain one within 120 days of hire.
• Non-resident adjuster licensing in additional states required based on the geographic footprint of assigned client accounts.
• Responsible for maintaining all required licenses in good standing, including completion of continuing education and timely renewal.
• Adherence to all applicable state regulatory and licensing requirements governing claims advocacy and handling activity.
• Ability to read, interpret, and apply complex policy contracts, coverage forms, statutes, and regulatory guidance.
• Strong written communication skills, including the ability to author professional coverage analyses, advocacy correspondence, and executive-level reports.
• Ability to effectively present to and consult with clients, carriers, and internal leadership.
• Bilingual in English and Spanish a plus.
• Ability to identify issues, gather and evaluate evidence, establish facts, and draw valid conclusions across abstract and concrete variables.
• Ability to interpret detailed technical, legal, and contractual material and to apply professional judgment to ambiguous or competing facts.
• Ability to perform calculations using whole numbers, fractions, decimals, and percentages in the context of reserves, settlement valuations, and loss analyses.
• Proficiency in Microsoft Office, including Excel, Word, PowerPoint, and Outlook.
• Working proficiency in the Broker Management System (EPIC) and carrier claims portals.
• While performing the duties of this job, the employee is regularly required to talk and hear. The employee is frequently required to stand, walk, sit, and use hands to finger, handle, or feel.
• The employee must occasionally lift or move up to 25 pounds.
• Specific vision abilities required by this job include close vision and distance vision.
• Travel by car is required to attend client meetings, loss inspections, and other professional events.
• Valid driver’s license
• Dependable transportation
• Availability to respond to client and carrier matters on a 24/7/365 basis, including evenings, weekends, and holidays

Nice To Haves

• Working knowledge of multiple commercial lines of coverage preferred, including General Liability, Auto, Property, Workers’ Compensation, Professional Liability, and Cyber.
• Bachelor’s degree preferred
• Professional industry designations such as AIC, AINS, CPCU, ARM, or equivalent preferred or in active pursuit.
• Bilingual in English and Spanish a plus.

Responsibilities

• Independently reviews insurance policies, endorsements, and contractual risk-transfer provisions. Analyzes coverage positions, interprets policy language as applied to specific loss facts, and renders informed coverage opinions and recommendations to clients, producers, and internal leadership.
• Exercises discretion and independent judgment in evaluating liability, assessing damages, challenging carrier coverage positions, formulating advocacy strategy, and recommending courses of action that have direct financial and operational impact on the client and the firm.
• Negotiates directly with carrier adjusters, claim managers, defense counsel, and third-party administrators to challenge coverage denials, dispute reserves, escalate handling concerns, and drive outcomes consistent with policy intent and client objectives.
• Independently manages an active inventory of commercial claims across multiple lines of coverage, prioritizing matters based on exposure, complexity, and client significance without day-to-day supervisory direction.
• Serves as the primary claims advisor to assigned client accounts. Leads claim review meetings, presents loss-trend and reserve-development analysis, and delivers strategic guidance to risk managers, finance leaders, and executive stakeholders.
• Monitors litigated claims, coordinates with defense counsel, evaluates legal strategy, participates in mediations and settlement discussions when appropriate, and provides recommendations on settlement authority and exposure.
• Evaluates carrier reserves and total incurred values, identifies over- or under-reserved files, and develops independent valuation opinions to support advocacy and client reporting.
• Responds to after-hours, weekend, and holiday claim emergencies, catastrophic events, large losses, and time-sensitive coverage matters on behalf of clients and producers.
• Prepares written coverage analyses, loss summary reports, advocacy memoranda, and executive briefings. Maintains accurate and timely records within the Broker Management System (EPIC).
• Handles all claim activity in accordance with applicable statutory and regulatory requirements, HUB Broker Standards, and professional ethical obligations.
• Partners with producers, account executives, account managers, and service team members to align claims strategy with the broader client risk management program.

Benefits

• HUB International Limited is an equal opportunity employer that does not discriminate on the basis of race/ethnicity, national origin, religion, age, color, sex, sexual orientation, gender identity, disability or veteran's status, or any other characteristic protected by local, state or federal laws, rules or regulations.

What This Job Offers

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