About the roleThe Commercial Auto Excess Casualty Adjuster plays a critical role in managing high-severity commercial auto liability claims that may exceed primary policy limits. At Reserv, this specialist leverages cutting-edge automation, structured data, and modern claims systems to drive optimal outcomes while focusing on the most complex, high-impact aspects of claim handling. The role requires deep technical expertise, strong analytical skills, and the ability to collaborate within a fast-moving, technology-driven environment.
KEY RESPONSIBILITIES- Investigate, evaluate, and resolve complex commercial auto liability claims involving excess layers of coverage, catastrophic injuries, multi-vehicle accidents, and high-exposure scenarios.
- Conduct advanced coverage analysis, including policy interpretation, endorsements, exclusions, and multi-jurisdictional considerations.
- Issue coverage position letters, including reservations of rights and denials, in alignment with regulatory and internal standards.
- Oversee litigation, partnering with defense counsel to evaluate strategy, monitor case progression, and ensure cost-effective, data-driven decision-making.
- Leverage Reserv's AI-powered tools to review claim summaries, severity predictions, and structured data insights to enhance accuracy and efficiency.
- Evaluate primary carrier handling and determine when excess involvement is triggered, ensuring timely and appropriate intervention.
- Collaborate with MGAs, carriers, brokers, and internal teams, providing clear communication and maintaining Reserv's high-touch, white-glove service standards.
- Document all claim activity within Reserv's modern claims platform, ensuring data accuracy and compliance with internal and external requirements.
- Participate in audits, trend analysis, and feedback loops to support continuous improvement and inform underwriting insights.
REQUIRED QUALIFICATIONS- Bachelor's degree or equivalent experience.
- 10+ years of commercial auto liability or casualty claims experience, preferably with excess or high-severity files.
- Strong knowledge of coverage analysis, litigation management, and complex liability evaluation.
- Excellent communication skills, with the ability to translate complex issues into clear, actionable insights.
- Comfort working in a technology-driven environment with modern systems and data-rich workflows.
- Active insurance adjuster's license by way of a designated home state; home state license required if home state license is available
- Willing to obtain all licenses within 60 days, including completing state required testing
PREFERRED SKILLS & CERTIFICATIONS- AIC, CPCU, SCLA, or similar designations. JD is also a huge plus.
- Experience with MGAs, TPAs, or non-admitted/excess & surplus lines.
- Familiarity with AI-enhanced claims tools or modern claims platforms (a strong plus at Reserv).
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 after 8 months of continuous work
- Work from anywhere to facilitate your work life balance
- 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!
Additionally, we will- Listen to your feedback to enhance and improve upon the long-standing challenges of an adjuster and the claims role
- Work toward reducing and eliminating all the administrative work from an adjuster role
- Foster a culture of empathy, transparency, and empowerment in a remote-first environment
