Senior Claims Adjuster (Property and Casualty)

Role Details

Job Title: Senior Claims Adjuster (Property and Casualty)

Location: Remote (FL, IN, IA, LA, MS, NC, OK, PA, TX, WI)/ Hybrid (in Troy, MI)

Employment Type: Full-Time

Job Requisition ID:

Requisition Begin Date: 07/22/2026

Requisition End Date 09/27/2026 (Posting may close earlier if filled or business needs change.)

Help us insure it

Tokio Marine HCC - Public Risk Group, a member of the Tokio Marine group of companies, is a market leader in providing specialized insurance products for municipal entities. We cover counties, cities, townships, villages, police departments, prisons, fire departments and more. We serve the growing insurance and risk management needs of medium and large governmental entities and provide property and casualty insurance coverages in multiple states.

Role Overview

Working with a high level of independence, this position is responsible for the full scope of complex commercial property and casualty claim handling, including coverage analysis, investigation, evaluation, negotiation, and resolution of high-exposure claims. The role encompasses first-party property coverages, including property, inland marine, crime, bonds, and equipment breakdown, as well as third-party casualty coverages, including general liability, premises liability, product liability, and other commercial liability exposures.

The Senior Claims Adjuster (Property & Casualty) applies advanced technical expertise and sound analytical judgment to investigate losses, interpret policy coverage, assess damages and liability, establish appropriate reserves, and develop effective resolution strategies for complex and large-loss claims. This role routinely manages claims involving significant financial exposure, extensive damage, litigation potential, and heightened reputational risk.

The position requires exceptional communication, negotiation, and relationship management skills to effectively coordinate with insureds, agents, claimants, attorneys, independent adjusters, expert consultants, contractors, and other stakeholders while ensuring timely and accurate claim resolution. The adjuster is expected to identify and evaluate coverage, liability, and exposure issues, provide strategic recommendations regarding reserves and settlements, and secure management approval for matters exceeding assigned authority. Collaboration, professionalism, regulatory compliance, and superior customer service are critical to success in this role.

Key Responsibilities

• Analyze complex coverage issues, conduct detailed investigations, and evaluate damages and liability to determine the validity of moderate to highly complex commercial property and casualty claims.

• Handle high-exposure property losses, including large commercial building, business personal property, business interruption, inland marine, equipment breakdown, crime, and bond claims.

• Investigate and evaluate third-party casualty claims, including general liability, premises liability, product liability, contractual liability, and bodily injury/property damage claims.

• Formulate and issue formal coverage position letters and liability determinations based on policy language, facts, and applicable legal principles.

• Conduct comprehensive investigations, including interviews of insureds, claimants, witnesses, and other involved parties to determine coverage, liability, causation, and damages.

• Coordinate and manage field investigations, site inspections, scene examinations, and independent adjuster assignments as necessary.

• Identify, retain, and manage experts including engineers, building consultants, forensic accountants, cause-and-origin specialists, medical professionals, accident reconstructionists, and defense counsel to support claim resolution.

• Review and analyze repair estimates, contractor bids, engineering reports, medical records, litigation documents, and expert evaluations to determine the extent of damages, liability exposure, and appropriate claim disposition.

• Assess comparative negligence, liability defenses, subrogation opportunities, and risk-transfer provisions where applicable.

• Establish, monitor, and recommend appropriate reserves based on claim complexity, damages, liability exposure, and settlement potential.

• Develop and execute claim resolution strategies for large-loss and high-severity claims, including those with significant litigation potential.

• Collaborate with defense counsel and litigation management teams on litigated matters, monitoring case strategy, budgets, exposure assessments, and settlement opportunities.

• Prepare detailed large loss and management reports summarizing coverage positions, liability assessments, damage evaluations, reserve adequacy, and settlement recommendations.

• Present claim evaluations and settlement recommendations to management for claims exceeding assigned authority limits.

• Negotiate fair and timely settlements with insureds, claimants, attorneys, contractors, and other parties within delegated authority.

• Communicate effectively with insureds, agents, brokers, claimants, attorneys, and internal business partners to provide superior customer service and ensure transparency throughout the claims process.

• Manage a high-volume and complex caseload while maintaining proactive diary management and meeting all regulatory and company service standards.

• Maintain complete, accurate, and organized claim files in accordance with company policies, best practices, audit standards, and regulatory requirements.

• Identify trends, emerging risks, and exposure concerns and provide recommendations to management regarding claim handling strategies and risk mitigation opportunities.

What You Bring

• 7+ years of commercial property and casualty claims handling experience.

• Demonstrated experience managing high-exposure property losses and complex liability claims.

• Strong knowledge of commercial package policy coverages, including property, inland marine, crime, equipment breakdown, general liability, and umbrella/excess liability coverage.

• Experience handling litigated claims and coordinating with defense counsel.

• Proficiency in coverage analysis, liability investigation, damage evaluation, reserve setting, and settlement negotiation.

• Working knowledge of Xactimate and commercial property estimating practices.

• Professional designations such as CPCU, AIC, ARM, SCLA, or equivalent are preferred.

• Excellent analytical, negotiation, communication, and decision-making skills.

What We Offer

• Competitive salary and comprehensive benefit package

• Strong learning culture with ongoing development opportunities

• Opportunities for growth and career advancement

• Comprehensive medical, vision, and dental coverage, with eligibility beginning on your first day of employment

• Basic life and disability insurance

• 401(k) plan with 6% company match

• 20 days of PTO and two floating holidays (prorated)

• Approximately 11 paid holidays and volunteer time off

• Paid parental leave

• Access to our award-winning wellness program, including mental health services, fitness network membership, and a complimentary Headspace subscription

• Student loan matching program

• Employee discount program

• An opportunity to do meaningful work and love what you do

Disclaimer

You do not need to disclose your criminal history or participate in a background check until a conditional job offer is made to you. After making a conditional offer and running a background check, if the Company is concerned about a conviction that is directly related to the job, you will be given the chance to explain the circumstances surrounding the conviction or challenge the accuracy of the background report. The Company will consider for employment all qualified applicants, including those with criminal histories, in a manner consistent with the requirements of applicable federal, state and local laws, such as the Violent Crime Control and Law Enforcement Act of 1994 (18 USC § 1033(e))(the “VCCLEA”), which restricts financial institutions and insurers such as TMHCC from employing individuals with certain types of criminal convictions. Where the hiring and employment of individuals is not restricted by the foregoing, the Company will consider qualified applicants with arrest or conviction history in compliance with applicable law such as the California Fair Chance Act, the Los Angeles Fair Chance Initiative for Hiring Ordinance, the Los Angeles County Fair Chance Ordinance, the San Diego Fair Chance Ordinance, and the San Francisco Fair Chance Ordinance.]

About Us

Tokio Marine HCC is a global industry-leading specialty insurance group, backed by the strength and stability of the Tokio Marine Group. Offering over 100 classes of specialty insurance, we empower clients to pursue opportunities confidently through our “Mind Over Risk” philosophy. More than an insurance company, we are an organization built on innovation, unity, and trust.

At our core, we are Always Advancing, driven by innovation and an entrepreneurial spirit that keeps us moving forward. Our people are Experts in Tomorrow, using curiosity and smart working to anticipate what’s next. With a culture rooted in Reaching Out, we foster genuine collaboration and support, ensuring every individual has the opportunity to succeed and make a difference.

Applying our Mind Over Risk philosophy to writing insurance allows our customers to take on opportunity with confidence. That philosophy defines our way of thinking, unites us as a team, and differentiates us from our competitors. We are much more than just an insurance company; we are a good company.

Equal Opportunity Employer

TMHCC is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to age, ancestry, citizenship, color, family or medical care leave, gender identity, genetic information, marital status, medical condition, national origin, physical or mental disability, protected veteran or military status, race, ethnicity, religion, sex (including pregnancy), sexual orientation, or any other characteristic protected by applicable local laws, regulations and ordinances.

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