POSITION
SurSafe Mutual Insurance Company (SurSafe) is seeking a qualified applicant to fill the position of Senior Claims Representative.
COMPANY DESCRIPTION
SurSafe, formerly known as BMI Company, Inc., has proudly served individuals, families, and businesses with trusted insurance protection since 1891.
DEPARTMENT DESCRIPTION
Our Claims Department is responsible for adjusting claims for all lines of business from first notice of loss to conclusion. We have a strong focus on customer service and helping our clients through what can be difficult moments in their lives.
JOB SUMMARY
A Senior Claims Representative investigates, evaluates, and settles auto claims to determine the extent of the Company's liability. This involves interviewing policyholders, claimants, and witnesses, inspecting vehicle damage, reviewing documents such as police reports, and working with attorneys. This role requires a strong understanding of insurance and company policies to ensure coverage is valid and to negotiate a fair settlement amount for the claim.
DUTIES
- Investigate auto insurance claims by interviewing policyholders, claimants, and witnesses.
- Manage more complex claims involving significant financial exposure, legal intricacies, and extended life cycles.
- Over see medical case management for catastrophic injuries and lifetime care needs.
- Review policy terms to determine coverage and limitations.
- Inspect property damage and gather documentation (photos, police reports, repair estimates)
- Negotiate settlements with policyholders and/or third parties.
- Coordinate with legal counsel or external investigators and attend trial when necessary.
- Prepare detailed claim reports and recommendations for payment or denial.
- Ensure compliance with federal, state, and company-specific regulations.
- Provide customer support throughout the claim resolution process.
- Assist supervisor/manager with training opportunities for all auto representatives.
QUALIFICATIONS
- Knowledge of insurance policies, coverage rules, and claim processes.
- Ability to evaluate damage estimates and repair costs.
- Proficiency in Microsoft Office Suite (especially Excel and Word) and the ability to learn and utilize various computer software programs, familiarity with claims management software. (e.g., CCC)
- Strong written documentation and reporting skills to maintain regulatory compliance and accurate recordkeeping.
- Strong attention to detail is crucial for accuracy in data entry, document review, and ensuring policy correctness.
- Strong interpersonal, written, and verbal communication skills are essential for building rapport and conveying complex information clearly. Must be able to show empathy and professionalism when working with all individuals.
- The ability to work independently and prioritize time effectively is critical. Good time management and the ability to handle multiple claims at once.
- Knowledge of Rules of the Road and traffic laws.
COMPLIANCE AND REPORTING
- Ensure compliance with state regulations, company policies, and claims handling best practices.
- Maintain accurate and organized claim file documentation.
- Meet or exceed performance metrics such as cycle times, quality audits, and customer satisfaction scores.
EDUCATION & EXPERIENCE
- Active adjuster license(s) as required by state regulations, or the ability to obtain Texas license within a specified timeframe.
- A minimum of a high school diploma or GED is required.
- A minimum of 5 years of previous experience in claims adjusting is required.
PHYSICAL WORKING CONDITIONS
- Ability to work at a desk using a computer for up to 8 hours a day.
- Ability to lift up to 15 pounds frequently and 50 pounds occasionally
BENEFITS
SurSafe offers a comprehensive benefits package.
OTHER
A comprehensive background check will be conducted.
HOW TO APPLY
Please submit résumé.
Job Type: Full-time
Work Location:
Schedule:
- Monday – Friday
- 8 AM – 5 PM
Ability to commute/relocate:
- Billings, MO 65610: Reliably commute or plan to relocate before starting work (Required)
Job Type: Full-time
Benefits:
- Dental insurance
- Health insurance
- Life insurance
- Paid time off
- Retirement plan
- Vision insurance
Ability to Commute:
- Billings, MO 65610 (Required)
Work Location: In person
