Job Description

General Liability Claims Adjuster

Reserv is an insurtech creating and incubating cutting-edge AI and automation technology to bring efficiency and simplicity to claims. Founded by insurtech veterans with deep experience in SaaS and digital claims, Reserv is venture-backed and began operations in May 2022. We are focused on automating highly manual tasks to tackle long-standing problems in claims and set a new standard for TPAs, insurance technology providers, and adjusters alike.

We have ambitious (but attainable!) goals and need people who can work in an evolving environment. If building a leading TPA and the prospect of tackling the long-standing challenges of the claims role sounds exciting, we can't wait to meet you.

We are seeking highly organized and customer-focused General Liability Adjuster to join our team. The successful candidate will be responsible for speaking to customers on the phone, educating and helping the customer work through their claim to the best possible outcome. Your role will also be responsible for handling an inventory of claims, triaging critical claims, and delivering service to all constituents of the claim.

The ideal candidate has a willingness to work through and design process that supports the quickest claim resolution with the best outcome. In addition, you will collaborate closely with our product and engineering teams to give feedback and identify technology and process improvements.

Who You Are

• Highly motivated and growth-oriented. You're excited by the prospect of building a tech-driven claims org.
• Passionate adjuster who cares about the customer and their experience.
• Empathetic. You exercise empathy and patience towards everyone you interact with.
• Sense of urgency - at all times. That does not mean working at all hours.
• Creative. You can find the right exit ramp (pun intended) for the resolution of the claim that is in the insured's best interest.
• Conflict-enjoyer. Conflict does not have to be adversarial, but it HAS to be conversational.
• Curious. You have to want to know the whole story so you can make the right decisions early and action them to a prompt resolution.
• Anti-status quo. You don't just wish things were done differently, you action on it.
• Communicative. (we'd love to know what this means to you)
• And did we mention, you have a sense of humor. Claims are hard enough as it is.

What We Need

• Provide prompt, courteous and high-quality customer service to all policyholders and claimants by answering customer calls, filing claims, and resolving customer requests.
• Gather necessary information from customers to initiate the claim and explain policy, coverage, and appropriate course of action.
• Manage an inventory of claims, establish initial reserves for all potential exposures, and adjust as appropriate throughout the claim.
• Coordinate the repair of damaged vehicles and assist with rental reimbursement.
• Recognize recovery opportunities in regards to subrogation and salvage, as well as total loss.
• Ensure compliance with specific state regulations, policy provisions, and standard operating procedures.
• Communicate with involved parties and negotiate appropriate settlements with claimants, insureds, and attorneys within approved payment authority.
• Provide input for continuous development of claims guidelines, best practices, and process improvements.
• Oversee and direct outside investigative service providers and work closely with the client and client counsel and investigative services to resolve the claim.
• Engage in learning opportunities to build knowledge of personal lines claims, court decisions impacting the claims function, current guidelines in claims function, and policy changes and modifications.

Requirements

• Bachelor's degree. JD, professional insurance designations strongly preferred.
• Active adjuster license required: resident state license if available, otherwise a Designated Home State (DHS) license
• Minimum of 5 years of experience ideally with; General Liability (Premise, Habitational, Auto, Garagekeepers, BOP's, Dwelling), Construction Liability, Employers Liability, Liquor Liability/Dram Shop, Complex claims involving litigation, Policy interpretation. Drafting Reservation of Rights letters, coverage declinations, Third-party bodily injury, Third-party litigated bodily injury/property damage.
• Willing to obtain all licenses within 45 days, including completing state required testing
• Knowledge of state regulations, policy provisions, and standard operating procedures
• Ability to analyze and evaluate complex data and make sound decisions based on established guidelines, policies, and procedures
• Curious and motivated by problem solving and questioning the status quo
• Desire to engage in learning opportunities and continuous professional development
• Ability to collaborate with colleagues within and outside your department
• Willingness to travel for client and claims needs

Benefits

• Generous health-insurance package with nationwide coverage, vision, & dental
• 401(k) retirement plan with employer matching
• Competitive PTO policy we want our employees fresh, healthy, happy, and energized!
• Generous family leave policy
• Work from anywhere to facilitate your work life balance paired with frequent, regular corporate retreats to build team cohesion, reinforce culture, and have fun
• Apple laptop, large second monitor, and other quality-of-life equipment you may want. Technology is something that should make your life easier, not harder!

At Reserv, we value diversity and believe that a variety of perspectives leads to innovation and success. We are actively seeking candidates who will bring unique perspectives and experiences to our team and welcome applicants from all backgrounds. If you believe you are a good fit for this role, we would love to hear from you!

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