Commercial Auto Excess Casualty Adjuster

Reserv

$100K — $120K *
US-AnywhereRemote in Atlanta, GA
Finance & Insurance
8 - 10 years of experience
Job Overview by Ladders

Qualifications

  • Bachelor's degree or equivalent experience.
  • 10+ years of commercial auto liability or casualty claims experience, particularly with excess or high-severity files.
  • Strong knowledge of coverage analysis, litigation management, and complex liability evaluations.
  • Excellent communication skills to convey complex issues clearly and effectively.
  • Comfortable in a technology-driven environment with modern systems and data workflows.
  • Active insurance adjuster's license from home state; must maintain this license.
  • Willingness to obtain necessary licenses within 60 days, including completing state requirements.

Responsibilities

  • Investigate and resolve complex commercial auto liability claims with high exposure scenarios.
  • Conduct advanced coverage analyses, including various policy interpretations and multi-jurisdictional evaluations.
  • Issue coverage position letters in line with regulatory standards and internal policies.
  • Oversee litigation strategy in collaboration with defense counsel, ensuring effective decision-making.
  • Utilize AI tools to enhance claim accuracy and efficiency.
  • Evaluate primary carrier actions to determine appropriate timing for excess involvement.
  • Collaborate with various stakeholders to maintain high service standards and clear communication.
  • Document all claim activities accurately using modern claims platforms.

Benefits

  • Generous health insurance package with nationwide coverage, including vision and dental.
  • 401(k) retirement plan with employer matching.
  • Competitive PTO policy to promote employee well-being.
  • Generous family leave policy after 8 months of continuous employment.
  • Flexibility to work from anywhere for better work-life balance.
  • Provision of quality equipment such as an Apple laptop and large second monitor for an enhanced work experience.
Full Job Description
About the role

The 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

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