Liability Senior Claims Adjuster - Municipal Claims (FL License)

Liability Senior Claims Adjuster - Municipal Claims (FL License)

Department: Claims Administration & Adjusting

Employment Type: Permanent - Full Time

Location: Home United States

Reporting To: Monika Coleman

Compensation: $80,000 - $90,000 / year

Description

The Liability Claims Adjuster is responsible for investigating, evaluating, negotiating, and resolving liability-related claims in accordance with company policies, client service standards, and regulatory requirements. Claims handled may include Bodily Injury (BI), Commercial General Liability (CGL), transportation liability, and other casualty or commercial liability exposures depending on the assigned client program.
This role manages claims of increasing complexity based on level and works collaboratively with claimants, insureds, attorneys, clients, and internal stakeholders to ensure timely and effective claim resolution.

Key Responsibilities
• Manages complex and high-exposure liability claims, including significant bodily injury and litigated claims
• Develops claim strategies and works closely with defense counsel and internal leadership on complex matters
• Serves as a technical resource and mentor to less experienced adjusters
• May assist with training, file reviews, and complex claim consultations
• Brings strong expertise in casualty, commercial liability, and claim resolution strategy

Claims Investigation & Evaluation
• Investigate liability claims to determine coverage, liability, and damages.
• Review accident reports, witness statements, medical documentation, and related claim materials.
• Conduct interviews with claimants, insureds, witnesses, and other involved parties.
• Analyze policy provisions and coverage details to determine claim applicability.

Claims Handling & Resolution
• Manage assigned claims from initial report through resolution.
• Establish and maintain appropriate claim reserves based on claim exposure.
• Evaluate damages including bodily injury, liability exposure, and property damage.
• Negotiate settlements with claimants, attorneys, and other involved parties.
• Coordinate with defense counsel and assist in litigation management when applicable.

Communication & Client Service
• Maintain regular communication with clients, insureds, claimants, and legal representatives.
• Provide updates regarding claim status, strategy, and resolution progress.
• Deliver high-quality customer service while managing sensitive claim situations.

Documentation & Compliance
• Maintain accurate and detailed claim documentation within the claims management system.
• Ensure claim handling complies with company guidelines, regulatory requirements, and client service standards.
• Identify potential fraud indicators and escalate concerns when appropriate.

Skills, knowledge & expertise
• 5-7+ years of liability or casualty claims handling experience
• Demonstrated experience managing complex, litigated, and high-severity claims
• Claims adjusting licenses as required by jurisdiction.
• Experience handling liability, casualty, or bodily injury claims preferred.
• Strong investigative, analytical, and negotiation skills.
• Excellent written and verbal communication abilities.
• Ability to manage multiple claims while maintaining quality and service standards.

Preferred Qualifications
• Experience managing bodily injury claims and attorney-represented files.
• Knowledge of commercial liability and casualty claim exposures.
• Industry designations such as AIC, CPCU, or equivalent.

Benefits

At Davies North America, we are dedicated to supporting the well-being and future of our qualifying employees. Our comprehensive benefits package includes:

• Medical, dental, and vision plans to support your health and that of your family
• A 401(k) plan with employer matching
• Time-off policies, including Discretionary Time Off (DTO) for exempt employees and Paid Time Off (PTO) for non-exempt employees
• Paid holidays
• Life insurance and short-term and long-term disability coverage

Benefit offerings, eligibility, and required employer contributions may vary based on role, classification, and applicable federal, state, and local laws, including those tied to an employee's primary work location.

Where required by law, the Company provides paid sick leave, paid family and parental leave, and other mandated benefits in accordance with applicable state and local requirements.

Compensation Transparency:
The salary range listed reflects the full compensation band for this role across all locations. Actual compensation will be based on factors such as skills, experience, qualifications, and geographic location, which may impact the final offer. We share ranges to remain transparent and consistent with pay equity practices.

Essential Functions
The following responsibilities and expectations are considered essential to the successful performance of this role. Reasonable accommodations may be made to enable qualified individuals with disabilities to perform these essential functions.

• Maintain regular and dependable attendance.
• Be available and able to perform job responsibilities during established work hours.

AI PolicyAt Davies, we value authentic conversations and a fair candidate experience. While candidates may use AI and technology tools to prepare for interviews, we expect interview responses and assessments to reflect each individual's own experience, knowledge, and professional judgment.
We do not use sites like Facebook, Craigslist, or Telegram to recruit or interview potential employees or contractors. If you have been asked to provide any information through any method other than our career portal, please email us at recruitment@davies-group.com