Job description
Primary Details
Time Type: Full time
Worker Type: Employee
At QBE, our purpose is to give people the confidence to achieve their ambitions inside and outside of work. From development opportunities, to flexible work options and highly competitive reward and benefits packages, we understand the importance of living our values when it comes to our people.
Everything we do at QBE is underpinned by our company’s cultural elements – because we know it's not just what we do that matters, it's how we do it that makes the difference.
Manage portfolio by investigating (as required by line of business), researching and ensuring consistent and optimal disposition of claims, assessing and estimating damage, reviewing and analyzing various types of contracts/policies, negotiating settlements and making recommendations on legal and coverage issues. Responsible for working on medium to high volume of moderate complexity cases for assigned line(s) of business, including reinsurance and catastrophe claims.
Primary Responsibilities
Required Education
Required Experience
Required Licenses/Certifications
Preferred Competencies/Skills
Preferred Experience
Preferred Licenses/Certifications
Preferred Knowledge
QBE Cultural DNA
- General Responsibilities
- Contact all parties involved to complete full investigation (as required by line of business) of the facts and damages relevant to the claim within required statutory time frame
- Evaluate and negotiate the resolution of claims within authority levels while mitigating damages to achieve cost effective claims outcomes
- Interpret policy / contract language and evaluate coverage issues of multiple policies / contracts / endorsements, to determine liability and evaluate damage of all exposures related to the claim
- Identify and refer claims to subject matter experts or manager in a timely manner to maximize claim outcomes; ensure files are documented and closed with all appropriate claim information
- Provide effective and timely communication to all internal and external stakeholders regarding claim status and other inquiries such as fraud, subrogation recovery, reserve adequacy and underwriting risks; build close partnerships throughout the life of the claim
- Support claims workflow efficiency by accurately documenting portfolio progress, referring high risk exposures outside authority levels and seeking opportunities that enhance operational knowledge
- Utilize judgment and industry skill set to apply case reserves independently; review reserves on assigned claim files and recommend additional case reserves or other necessary changes
- Specific responsibilities dependent upon line of business:
- Auto
- Responsible for claims relating to first- and third-party auto claims
- Broad knowledge and experience with commercial line auto policies, coverages, principles, and laws
- Manage liability investigations including negotiating and settling claims
- Interpret auto repair estimates and ensure appropriate valuation and appraisal
- Liability
- Responsible for general liability claims including but not limited to slip/trip and falls, food-borne illnesses, product liability, property damage and/or auto bodily injury
- Broad knowledge and experience with commercial liability policies, coverages, principles and laws
- Handle policy limit and time limited demands including all applicable conditions
- Prepare and present Claim File Reviews professionally with internal and external partners
- Interpret and communicate coverage, including, but not limited to writing Disclaimer and Reservation of Rights (ROR) letters
- Properly evaluate and reserve injury exposures based on a thorough investigation of the injuries, damages and other factors (i.e. venue, etc.)
- Homeowners Property
- Proven track record of handling an increased severity level of homeowners claims
- Requires working knowledge and experience of first party homeowners’ property claims
- Increased level of experience in complex coverage investigations
- Increased technical skill set to handle 1st party property claims under multiple policy types and numerous endorsements
- Interprets and determines policies, leases, by-laws, declarations, articles and contract coverages and applies to all parties for assigned losses
- Commercial Property
- Experience in specialty commercial coverage lines such as business income and extra expense, inland marine, equipment breakdown, and data compromise claims
- Full understanding of commercial coverage forms and application of policy language
- Strong technical skill set with high severity claim handling; ability to communicate on a technical level with internal and external partners
- Proven track record of building solid relationships with agents/brokers/policyholders and maintaining a high level of customer service
- Identify and resolve claim disputes and avoid escalations
Required Education
- Bachelor's Degree or equivalent combination of education and work experience
Required Experience
- 3 years relevant experience
Required Licenses/Certifications
- Maintain adjusters license in states requiring licensing
Preferred Competencies/Skills
- Utilize effective written and verbal communication to influence and persuade decision makers
- Ability to write detailed correspondence letters to communicate information effectively
- Understand the needs and goals of customers and actively look for ways to meet them
- Mediate and resolve conflict using a logical approach
- Identify relevant information and understand its impact
- Maintain integrity of claims portfolio and evidence
- Use multiple resources to gather and analyze significant data
- Leverage technical knowledge to make cost-effective decisions
- Ability to work in a fast-paced and changing environment
- Strong customer-centric attitude and skillset
- Independent decision-making skill set
Preferred Experience
- Increasing levels of responsibility
Preferred Licenses/Certifications
- Associate in Claims (AIC)
- Associate in Management (AIM)
- Chartered Property Casualty Underwriter (CPCU)
- Senior Claim Law Associate (SCLA)
Preferred Knowledge
- Working knowledge of claims administration best practices and procedures
- Working knowledge of insurance products and services
- Understanding of relevant laws and regulations across multiple jurisdictions
- Understanding of market trends and organizational strategies
- Working knowledge of Microsoft Office Suite, general computer software and database systems
QBE Cultural DNA
Everything we do at QBE is underpinned by our DNA (which interlinks seven cultural elements) – because we know it's not just what we do that matters, it's how we do it that makes the difference. We expect all employees to role model and inspire the right behaviors that link to our cultural elements:
We are customer-focused
- We are technical experts
- We are inclusive
- We are fast-paced-
We are courageous
- We are accountable
- We are a team
All employees are expected to adhere to QBE’s Code of Ethics and Conduct and apply sound risk management practices.
US Only - Travel Frequency
- NA
US Only - Physical Demands
- General office jobs: Work is generally performed in an office environment in which there is not substantial exposure to adverse environmental conditions. Must have the ability to remain in a stationary position for extended periods of time. Must be able to operate basic office equipment including telephone, headset and computer. Incumbent must be able to lift basic office equipment up to 20 lbs.
US Only - Disclaimer
- To successfully perform this job, the individual must be able to perform each essential job responsibility satisfactorily. Reasonable accommodations may be made to enable an individual with disabilities to perform the essential job responsibilities.
Job Type
- Individual Contributor
Global Disclaimer
- The duties listed in this job description do not limit the assignment of work. They are not to be construed as a complete list of the duties normally to be performed in the position or those occasionally assigned outside an employee’s normal duties. Our Group Code of Ethics and Conduct addresses the responsibilities we all have at QBE to our company, to each other and to our customers, suppliers, communities and governments. It provides clear guidance to help us to make good judgement calls.
Compensation
Base pay offered will vary depending on, but not limited to education, experience, skills, geographic location and business needs
Annual Salary Range: $68,000 - $102,000
AL, AR, AZ, Fresno, CA, CO (Remote), FL, GA, IA, ID, IL (Remote), IN, KS, KY, LA, MI, MN, MO, MS, MT, NC, ND, NE, NH, NV, OH, OK, OR, PA, SC, SD, TN, TX, UT, VA, VT, WI, WV and WY
Annual Salary Range: $75,000 - $112,000
CA (Remote, Irvine and Woodland), Greenwood Village CO, CT, Chicago IL, MA, MD, NY (Remote), RI, Houston TX and WA
Annual Salary Range: $85,000 - $128,000
San Francisco CA, NJ and New York City NY
Benefit Highlights
You are more than your work – and QBE is more than a workplace, which is why QBE provides you with the benefits, support and flexibility to help you concentrate on living your best life personally and professionally. Employees scheduled over 30 hours a week will have access to comprehensive medical, dental, vision and wellbeing benefits that enable you to take care of your health.
We also offer a competitive 401(k) contribution and a paid-time off program. In addition, our paid-family and care-giver leaves are available to support our employees and their families. Regular full-time and part-time employees will also be eligible for QBE’s annual discretionary bonus plan based on business and individual performance.
QBE recognizes that exemplary benefits extend beyond benefits coverage and compensation. Flexibility in your working environment is important to maintaining balance and QBE is dedicated to ensuring employees achieve personal and professional integration by providing the opportunity for hybrid work arrangements.
How to Apply:
To submit your application, click "Apply" and follow the step by step process.
Equal Employment Opportunity:
QBE is an equal opportunity employer and is required to comply with equal employment opportunity legislation in each jurisdiction it operates.
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