Senior Adjuster, Casualty Claims

Heartland Mutual Insurance•Waterloo, ON

23h•CA$68,000 - CA$102,000

About The Position

The Senior Adjuster, Casualty Claims, is responsible for the management and resolution of complex and high-severity casualty claims, including Auto Liability, Personal Property Liability, Commercial General Liability, and Farm Liability. This role requires advanced technical expertise in liability evaluation, negotiation, and litigation support. The Senior Adjuster works closely with legal counsel, brokers, Agents, Direct Sales Center staff, and internal teams, contributing to the consistent delivery of fair, timely, and cost-effective claims outcomes. The position is critical to ensuring accurate reserving, effective customer communication, and alignment with regulatory and corporate standards.

Requirements

Minimum 7-10 years’ experience in liability claims handling, including litigated and high-severity claims.
Post-secondary education in Insurance, Law, or related field; CIP designation strongly preferred.
Advanced understanding of liability claims processes, litigation procedures, policy interpretation, and reserving practices.
Proficient in claims management systems, documentation, and analytics tools.
Strong negotiation, analytical, and critical-thinking skills.
Excellent verbal and written communication abilities.
High attention to detail and strong organizational capabilities.
Ability to manage complex files independently while contributing to a collaborative team environment.
Professionalism, integrity, and a commitment to customer service excellence.

Nice To Haves

CIP designation

Responsibilities

Manage a caseload of complex and high-severity liability claims, with a focus on Auto, Property, Commercial, and Farm Liability exposures.
Conduct thorough investigations, assess liability, and determine appropriate coverage and indemnity.
Ensure timely and accurate reserve setting in alignment with organizational reserving guidelines and exposure assessments.
Negotiate settlements directly with claimants, legal representatives, and insurers, ensuring fair and defensible outcomes.
Work closely with internal and external legal counsel on litigated claims, providing all necessary documentation, analysis, and case updates.
Attend mediations, discoveries, and settlement conferences as required.
Ensure proactive litigation management and strategy alignment with corporate interests.
Maintain open and professional communication with Independent Brokers, Agents, Direct Sales Center staff, and customers throughout the life of the claim.
Respond to escalations and inquiries promptly and effectively, ensuring transparency and customer satisfaction.
Foster collaborative relationships with internal teams including Underwriting, Risk, and Corporate Claims.
Maintain accurate, detailed claim files in accordance with company standards and regulatory requirements.
Ensure compliance with all legal, privacy, and financial guidelines.
Provide regular updates and reporting to Claims Management on file status, trends, and risks.
Provide guidance and informal mentorship to junior and intermediate adjusters, supporting knowledge transfer and best practice adherence.
Participate in QA reviews and support training initiatives in partnership with the QA Specialist and Training Lead.
Monitor and report on emerging legal, regulatory, and industry trends impacting casualty claims.
Collaborate with underwriting and actuarial teams to share insights from claims data that inform pricing, risk selection, and product development.