Cyber Claims Service Representative

Munich Re Careers•Mount Pleasant, SC

6d•Remote

About The Position

This is an opportunity to work at the forefront of cyber insurance, where no two claims are the same—and your analytical thinking truly matters. At HSB, you’ll handle complex cyber claims across both personal and commercial lines, navigating multi-coverage scenarios, interpreting policy language, and making thoughtful, well-supported coverage decisions. Founded in 1866, The Hartford Steam Boiler Inspection and Insurance Company (HSB) has been a pioneer in industrial safety and loss prevention for over 150 years. Our organization is driven by a passion for technical excellence, innovation, and a commitment to making a lasting difference. This role is not a processing role; you’ll analyze, interpret, and make decisions on complex claims. Claims may involve multiple coverages, competing policy language, and multimillion-dollar exposure. From data breaches to system damage to social engineering, you’ll never see the same claim twice. Fact patterns can lead to different outcomes depending on policy interpretation.

Requirements

A High School diploma is required.
1+ year experience in customer facing, financial, or service oriented position.
Analytical mindset – able to interpret nuanced policy language and apply it to unique fact patterns
Critical thinking – comfortable making decisions where outcomes are not always clear-cut
Strong writing skills – able to draft clear, structured, and professional coverage letters
Communication & empathy – able to navigate sensitive conversations with insureds
Intellectual curiosity – enjoys solving complex problems and learning continuously

Nice To Haves

College degree is preferred.
2+ years experience in the Property/Casualty insurance industry and/or as a Claims Adjuster is a plus.
Adjuster licenses as required by state.

Responsibilities

Analyze complex cyber claims involving multiple coverage triggers (e.g., system damage, data compromise, cyber extortion)
Interpret and apply policy language and contract language to determine accurate coverage decisions
Investigate claims, assess facts, and evaluate causation and loss scenarios
Draft detailed, well-supported coverage letters explaining decisions clearly and professionally
Communicate with insureds and stakeholders in difficult, high-stakes situations with empathy and clarity
Manage a portfolio of claims while balancing quality, accuracy, and timeliness
Deliver a consistent, professional customer experience while upholding claims standards

Benefits

Two options for your health insurance plan (PPO or High Deductible).
Prescription drug coverage (included in your health insurance plan).
Vision and dental insurance plans.
Additional insurance coverages provided at no cost to you, such as basic life insurance equal to 1x annual salary and AD&D coverage that is equal to 1x annual salary.
Short and Long Term Disability coverage.
Supplemental Life and AD&D plans that you can purchase for yourself and dependents (includes Spouse/domestic partner and children).
Voluntary Benefit plans that supplement your health and life insurance plans (Accident, Critical Illness and Hospital Indemnity).
A robust 401k plan with up to a 5% employer match
A retirement savings plan that is 100% company funded.
Paid time off that begins with 24 days each year, with more days added when you celebrate milestone service anniversaries.
Eligibility to receive a yearly bonus as a Munich Re employee.
A variety of health and wellness programs provided at no cost.
Paid time off for eligible family care needs.
Tuition assistance and educational achievement bonuses.
A corporate matching gifts program that further enhances your charitable donation.
Paid time off to volunteer in your community.