P&C Claims Advocate II

HUB International • Sacramento, CA

8d • $80,000 - $95,000

About The Position

The Property & Casualty Claims Advocate II is a claims specialist who exercises independent discretion, autonomy, and decision-making to support and advocate for clients, Producers, and insurance carriers. The role facilitates interactions between clients and carriers on property and casualty matters, including claim reviews and ongoing claim issues. It monitors claims activity and alerts the HUB Producer team to potential claims or loss-control concerns.

The position provides claims analysis, coverage interpretation, consultation, negotiation, and client advocacy. It also supports Producers with client and carrier interactions, analyzes loss histories to identify risk-reduction strategies, and helps clients understand relevant changes in insurance and external conditions. The role requires accurate claim documentation, use of agency and carrier systems, and continued learning about the insurance industry.

The expected salary range is $80,000–$95,000, depending on geographical location and factors including the candidate’s skills, experience, and working location, as well as the position’s business line, scope, and level. HUB offers structured training, licensing support, and ongoing development opportunities.

Requirements

• High school diploma or GED.
• 5–7 years of property and casualty claims adjustment experience, preferably in a brokerage, or an equivalent combination of education and experience.
• Property and Casualty license required.
• Proficiency in the claims adjustment process for Property, Casualty, Auto, Cyber, and Professional E&O claims.
• Confidence and demeanor to interact effectively with all organizational levels.
• Computer skills, including Microsoft Office Suite, Outlook, and agency management systems.
• Ability to identify complex problems, assess relevant information, evaluate options, and implement solutions.
• Critical-thinking skills, including using logic and reasoning to assess alternative solutions and approaches.
• Ability to prioritize and organize multiple tasks and responsibilities and complete assignments on time and accurately.
• Ability to communicate effectively and professionally, orally and in writing, with internal and external customers.
• Ability to develop and maintain strong client relationships and work effectively with insurance and service vendors to meet client needs.
• Ability to respond to customer needs, solicit feedback to improve service, and promptly and accurately handle difficult or emotional customer situations.
• Ability to work effectively with a team and coach others in developing their skills and abilities.
• Ability to read, analyze, and interpret business periodicals, professional journals, technical procedures, and governmental regulations.
• Desire to learn and grow within the insurance industry.

Nice To Haves

• Brokerage experience in property and casualty claims adjustment.

Responsibilities

• Provide initial and ongoing claims advocacy, including detailed analysis, interpretation, consultation, and negotiation of coverage and reserves.
• Prepare and present periodic claim reviews to clients.
• Prepare coverage arguments to advocate for clients and support coverage positions.
• Assist with selections of Third Party Administrators (TPAs) and insurance carriers.
• Ensure client questions and concerns are addressed by the claims department or TPA.
• Interact periodically with clients by telephone and in person to deliver and gather information.
• Negotiate plans of action and reserve reductions with insurers.
• Assist Producers in conducting claims discussions with clients and carriers.
• Analyze loss history to identify risk-reduction strategies for Producers.
• Attend sales presentations or renewal visits to present claims, risk-reduction programs, or loss information to insureds.
• Implement corrections of carrier errors.
• Maintain working knowledge of policy coverage and its application to property and casualty claims.
• Maintain accurate, organized claim files by documenting conversations with clients and carrier representatives; update HUB and agency management systems and ensure data accuracy.
• Stay informed about insurance industry changes and other external conditions that may affect clients, and make appropriate recommendations.
• Attend industry-related continuing education training and courses.
• Access and use claims-related carrier online systems.
• Perform other assigned duties and projects.

Benefits

• Structured training, licensing support, and ongoing development opportunities.
• Comprehensive health benefits.
• Retirement savings matching.
• Company-paid life and disability plans.
• Paid time off.
• Paid parental leave.
• Wellbeing program supporting work/life balance.
• Collaborative, high-performing culture, community impact through HUB Gives, and opportunities for career growth.

What This Job Offers

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