Job Description
Liability Claims Adjuster Location: Wisconsin | Hybrid / Primarily Remote
Salary: $70,000-$82,000 annually
Schedule: Full-Time
Classification: Salaried / Exempt
Position Overview We are seeking an experienced
Liability Claims Adjuster to join a collaborative, professional team where your expertise and judgment will play an important role in managing complex claims.
This position is primarily focused on four key areas:
Litigation, Bodily Injury, Coverage, and Negotiations . The Liability Claims Adjuster will independently manage claims from initial investigation through resolution, working closely with claimants, insured parties, attorneys, legal counsel, and other stakeholders.
The ideal candidate brings
5-10 years of liability claims experience and is confident evaluating complex coverage issues, handling bodily injury claims, managing litigated files, and negotiating fair and effective resolutions.
Key Areas of Focus Litigation - Manage litigated liability claims from initial assignment through resolution.
- Work closely with defense counsel, claimants' attorneys, insured parties, and other stakeholders.
- Develop claim strategies and evaluate potential legal and financial exposure.
- Review legal invoices, releases, settlement documentation, and other litigation-related materials.
- Maintain accurate documentation and ensure litigated claims progress toward timely resolution.
- Provide recommendations based on claim exposure, legal considerations, and investigative findings.
Bodily Injury - Investigate and evaluate bodily injury claims, including liability, damages, and overall exposure.
- Review medical records, police reports, witness statements, photographs, and supporting documentation.
- Conduct interviews with claimants, insured parties, witnesses, and other involved individuals.
- Evaluate damages and determine appropriate reserves and settlement strategies.
- Manage bodily injury claims through final resolution while maintaining clear and professional communication.
Coverage - Analyze insurance policies to determine coverage and identify potential coverage issues.
- Evaluate complex claims based on policy language, exclusions, endorsements, and applicable legal standards.
- Prepare and review Reservation of Rights and Denial letters .
- Clearly communicate coverage positions and claim decisions to appropriate parties.
- Partner with internal resources and legal counsel when additional coverage analysis is required.
- Ensure coverage decisions are thoroughly documented and supported.
Negotiations - Lead negotiations with claimants, attorneys, insured parties, and third parties to achieve appropriate claim resolutions.
- Develop negotiation strategies based on liability, damages, coverage, litigation exposure, and overall claim value.
- Negotiate settlements on complex Bodily Injury and litigated liability claims .
- Evaluate settlement demands and prepare well-supported counteroffers and recommendations.
- Balance effective claim resolution with appropriate risk management and financial considerations.
- Maintain professional and productive communication throughout challenging or high-stakes negotiations.
Additional Responsibilities - Manage liability claims throughout the full claim lifecycle, from investigation through resolution.
- Collect and analyze evidence to determine liability, damages, and exposure.
- Approve or deny claims based on coverage, investigative findings, and established guidelines.
- Process settlements and claim payments accurately and efficiently.
- Maintain detailed and organized claim files and system records.
- Ensure compliance with applicable state and federal insurance regulations.
- Manage CMS and ISO reporting requirements.
- Prepare claim status reports and updates for leadership and stakeholders.
- Collaborate with internal departments, legal teams, vendors, and external partners.
- Participate in claims system upgrades, troubleshooting, testing, and process improvement initiatives.
- Support onboarding, training, and claims system administration as needed.
What We're Looking For - 5-10 years of liability claims experience , with demonstrated experience in Litigation, Bodily Injury, Coverage, and Negotiations .
- Experience independently managing complex liability claims from investigation through final resolution.
- Strong background handling litigated claims and working directly with attorneys and defense counsel.
- Proven experience investigating and evaluating bodily injury claims.
- Strong settlement negotiation experience , including negotiating with claimants, attorneys, and third parties.
- Strong understanding of coverage analysis, policy interpretation, exclusions, endorsements, and Reservation of Rights.
- Experience with Auto Liability and General Liability claims.
- Strong knowledge of insurance regulations, legal standards, and claims best practices.
- Excellent investigative, analytical, negotiation, and decision-making skills.
- Strong written and verbal communication skills.
- Ability to independently manage multiple complex claims and competing deadlines.
- Proficiency with claims management systems and Microsoft Office.
- Bachelor's degree in Business Administration or a related field, or equivalent relevant professional experience.
Preferred Qualifications - CPCU, AIC, or another relevant insurance designation.
- Municipal liability claims experience.
- Employment Practices Liability experience.
- Experience with CMS and ISO reporting.
- Knowledge of Wisconsin municipal law.
- Claims system administration or user-support experience.
Why Consider This Opportunity?- Competitive salary of $70,000-$82,000 , based on experience.
- Primarily remote/hybrid work environment for Wisconsin-based professionals.
- Opportunity to handle sophisticated Litigation, Bodily Injury, Coverage, and Negotiation matters.
- Autonomy to manage claims from investigation through resolution.
- Opportunity to use your negotiation and claims expertise on complex, meaningful cases.
- Collaborative environment where experience, professional judgment, and new ideas are valued.
- Opportunity to contribute to process improvements and claims operations beyond your individual caseload.
Work Environment This is a primarily remote/hybrid opportunity requiring
residency in Wisconsin within reasonable driving distance for occasional in-person meetings, training, and business needs .
Occasional business travel may be required for meetings, training, conferences, or claim-related activities.
Job Tags
Full time, Work at office, Remote work