Consultant Claims

The Hartford • Hartford, CT

2d • Hybrid

About The Position

The Claim Consultant role is a desk-based, inside adjusting position with a primary focus on Motor Truck Cargo and Motor Truck Physical Damage (MTC/APD) claim handling for Navigators, an Excess and Surplus Lines company of The Hartford. The ideal candidate will bring substantial hands-on experience adjusting first party transportation-related and cargo losses, with direct involvement in time-sensitive cargo claims, commercial vehicle physical damage, and stakeholder-dense transportation losses. While the primary emphasis of this role is Motor Truck Cargo and Motor Truck Physical Damage claims, the Claim Consultant may flex and assist with other First Party Commercial Property and Inland Marine claims as business needs require.

Requirements

• College degree or minimum 3–5 years of hands-on experience handling Motor Truck Cargo and/or Motor Truck Physical Damage claims required.
• State required adjusting licenses.
• Commercial insurance experience required.

Nice To Haves

• Demonstrated experience handling time-sensitive transportation losses involving perishable or temperature-sensitive cargo strongly preferred.
• Experience with Commercial Property and Inland Marine claims beyond MTC/APD preferred.
• TRIP, AMIM, CCPAC, AIC, CPCU, CCP and/or TRS designation preferred.
• Excess & Surplus Lines experience preferred.

Responsibilities

• Plan and execute comprehensive claim strategies—including investigation, valuation, disposition, settlement, and reserving—while accurately assessing exposure, effectively managing priorities and vendors, ensuring compliance with all policies and regulations, and clearly communicating claim status and outcomes to partners and management.
• Maintain a strong customer focus by proactively gathering and applying insights to improve products and services, building trusted relationships, and using diplomacy and tact to effectively navigate and diffuse high‑tension situations while consistently meeting or exceeding expectations.
• Demonstrated expertise in handling Motor Truck Cargo and Motor Truck Physical Damage claims, including complex, high-severity, and operationally urgent transportation losses.
• Working knowledge of Carmack Amendment exposure, transportation contracts, and the interaction between policy coverage, contracts of carriage, and statutory frameworks.
• Proven ability to preserve recovery and subrogation rights against shippers, loaders, warehouses, carriers, repair vendors, and other third parties, including early identification of contractual and statutory recovery opportunities.
• Working knowledge of commercial vehicle systems, including engines, drivetrains, axles, suspensions, frames, reefer units, liftgates, trailers, and material handling components.
• Familiarity with emergency cargo mitigation and salvage strategies.
• Proficiency reviewing and analyzing transportation documentation, including bills of lading, shipping manifests, invoices, contracts of carriage, delivery receipts, and temperature records.
• Familiar of coverage as applies to loss scenarios such as theft, load shift, temperature excursion, contamination, wet damage, spoilage, and mysterious disappearance.

Benefits

• 401K
• Medical
• Dental
• Vision
• Life and Disability Insurance
• 25 days paid time off in your first full year
• Paid Holidays
• Tuition reimbursement - up to $5,250 (undergraduate) and $6,000 (graduate) for tuition and registration fees for degree programs that support your career development (subject to additional requirements).
• Student Loan Paydown Program – eligible to participate after 6 months of service. The Hartford will make a direct contribution of $125 per month – with a lifetime maximum up to $10,000 – as a supplemental payment towards your student loan in order to help you manage the stress of student debt and help you pay down your student loan faster.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: Associate degree