The Senior Claims Representative is responsible for independently managing a complex portfolio of commercial auto claims, including high-exposure physical damage, property damage, total loss, fuel spills, medical payments, cargo damage, and multi-party liability claims. This role exercises advanced judgment in coverage analysis, investigation strategy, and claims resolution, while ensuring compliance with jurisdictional requirements. The Senior Claims Representative serves as a subject-matter resource for peers, provides guidance on escalation matters, and maintains strong relationships with insureds, brokers, vendors, and internal stakeholders to drive timely, accurate, and customer-focused claim outcomes.

• Lead proactive and timely communication with insureds, claimants, brokers, and internal partners, ensuring clear and accurate explanation of claim findings, liability impacts, and resolution strategies.
• Serve as a primary escalation point for complex or sensitive customer issues, providing expert-level guidance and resolution.
• Oversee vendor performance, including appraisers, independent adjusters, and specialty experts, ensuring timely and high-quality deliverables.
• Perform advanced coverage evaluations by applying policy language, statutes, regulations, and case law to complex loss scenarios.
• Communicate coverage positions clearly and professionally to all stakeholders, including issuance of detailed coverage letters.
• Provide consultative support to junior adjusters on coverage questions and jurisdictional compliance.
• Ensure claim files reflect complete, accurate, and timely documentation supporting all decisions, estimates, and communications.
• Monitor and validate data quality and statutory reporting compliance across assigned files and provide corrective guidance when necessary.
• Independently establish and adjust loss and expense reserves on complex and potentially high-severity claims, supported by robust analysis and documentation.
• Identify significant reserve changes early and collaborate with leadership and actuarial teams on trends and emerging risk indicators.
• Mentor junior adjusters on accurate and defensible reserving practices.
• Lead and manage comprehensive investigations through strategic engagement with insureds, witnesses, experts, authorities, and medical providers.
• Conduct or direct recorded statements, scene investigations, and technical evaluations as needed.
• Evaluate and pursue subrogation, contribution, and recovery opportunities, including direct negotiation with carriers and adverse parties.
• Manage claim workflows with disciplined diary practices, ensuring adherence to company guidelines, regulatory timelines, and best-practice standards.
• Direct external vendors in the evaluation of damages, liability assessment, and exposure analysis for complex claims.
• Oversee and resolve total loss claims, including valuation disputes, diminished value considerations, salvage processes, and heavy equipment appraisals.
• Negotiate settlements on complex claims using advanced negotiation techniques and industry expertise.
• Serve as a resource for junior representatives, offering guidance on coverage, investigations, claim strategy, and customer communication.
• Provide informal coaching and contribute to training initiatives as requested.
• Support continuous improvement efforts and department initiatives to enhance claims quality and operational efficiency.
• May perform other functions as assigned.

• 5+ years of commercial auto or casualty claims handling experience, preferably involving trucking, cargo, or multi-jurisdictional claims.
• Demonstrated expertise in coverage interpretation, liability assessment, and negotiation of complex claims.
• Strong interpersonal, communication, and conflict-resolution skills with the ability to manage sensitive or high-stakes interactions.
• Advanced organizational and analytical abilities, with proficiency in Microsoft Office and claims management systems.
• Ability to mentor and support development of less experienced adjusters.
• Must obtain and maintain independent adjuster licenses in all required states (e.g., AL, CT, GA, FL, ME, MS, NY, NC, SC, TN, TX) within 90 days of hire, including completion of coursework, testing, and background checks.

• Bachelor’s degree preferred, or an equivalent combination of education and progressively responsible claims experience.

The Company is an equal employment opportunity employer.

We do not accept any unsolicited resumes from external recruiting firms.

The company offers a competitive compensation plan and robust benefits package for full time regular employees.
Base salary & Benefits include Health, dental, vision, life, disability, wellness, paid time off, 401(k) and profit-sharing plans.

The actual salary for this position will be determined by a number of factors, including the scope, complexity and location of the role; the skills, education, training, credentials and experience of the candidate; and other conditions of employment.

Business related travel as required (estimated less than 5% of time)