Business Insurance Property Claims Adjuster

We’re determined to make a difference and are proud to be an insurance company that goes well beyond coverages and policies. Working here means having every opportunity to achieve your goals – and to help others accomplish theirs, too. Join our team as we help shape the future.   

The Business Insurance Property Claims Adjuster is responsible for the investigation, evaluation, negotiation, and resolution of first‑party commercial property claims. This includes assessing coverage, determining damages, managing reserves, and delivering exceptional customer service while adhering to regulatory and company standards.

Key Responsibilities

• Conduct investigations to determine coverage, assess damages, and identify subrogation/salvage opportunities.

• Interpret and apply policy language to commercial property losses.

• Evaluate exposures and set accurate, timely reserves.

• Manage claims from first notice through resolution with proper documentation and financial accuracy.

• Negotiate fair settlements with policyholders and involved parties.

• Handle structural damage estimates, personal property losses, and business income/time‑element claims.

• Deliver clear, empathetic, high‑quality customer service.

• Collaborate with underwriting, legal, sales, and external vendors.

• Maintain regulatory compliance and leverage technology for efficiency.

• Contribute to continuous improvement and mentor peers when appropriate.

Qualifications

• 1+ year of 1st party property claim handling experience required.

• 1+ year of 1st party commercial property claim handling experience preferred.

• Commercial property structural damage estimating experience a plus.

• Strong written and verbal communication skills.

• Ability to manage multiple priorities and meet deadlines.

• Ability to obtain and maintain required state adjuster licenses.

• Experience estimating structural losses and handling business income/time‑element claims.

• Commercial property claims experience with an insurance carrier.

Additional Information:

• This role can have a Hybrid or Remote work arrangement.  Candidates who live near one of our office locations (Hartford, CT, San Antonio, TX, Lake Mary, FL, Scottsdale, AZ, and Naperville, IL) will have the expectation of working in an office 3 days a week (Tuesday through Thursday). Candidates who do not live near an office will have a remote work arrangement, with the expectation of coming into an office as business needs arise.

• As a condition of employment - You will be required to successfully complete one week of in-person training located in Lake Mary, FL and one week learning lab. You should have no schedule conflicts during training. You must obtain and maintain a State Adjuster's License to process Property & Casualty Insurance Claims in the states supported by your office.  You will be required to successfully pass the Licensing exam(s) within 30 business days from the completion of the licensing training, where applicable.

• For full-time, occasional, part-time, or remote positions: (1) high speed broadband internet service is required, we do not recommend or support DSL, wireless, MiFi, Hotspots, Fiber without a modem and Satellite; (2) Internet provider supplied modem/router/gateway is hardwired to the Hartford issued computer with an ethernet cable; and (3) minimum upload/download speeds of 5Mbps/30Mbps will be required. To confirm whether your Internet system has sufficient speeds, please visit http://www.speedtest.net from your personal computer.

How We Focus on Your Wellbeing: ​

• Medical, Dental, Vision, Life and Disability Insurance, 401K. Effective day 1. ​

• 25 days paid time off in your first full year and Paid Holidays.

• Click on this link to learn more about our comprehensive benefits package and award-winning well-being program: https://www.thehartford.com/careers/benefits  

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.

• Paid volunteer opportunities​

• Click on this link to learn more about our comprehensive benefits package and award-winning well-being program: https://www.thehartford.com/careers/benefits.

Compensation

The listed annualized base pay range is primarily based on analysis of similar positions in the external market. Actual base pay could vary and may be above or below the listed range based on factors including but not limited to performance, proficiency and demonstration of competencies required for the role. The base pay is just one component of The Hartford’s total compensation package for employees. Other rewards may include short-term or annual bonuses, long-term incentives, and on-the-spot recognition. The annualized base pay range for this role is:

Equal Opportunity Employer/Sex/Race/Color/Veterans/Disability/Sexual Orientation/Gender Identity or Expression/Religion/Age

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