Commercial Claims Examiner

The Commercial Claims Examiner III is responsible for evaluating, investigating, and resolving complex commercial property insurance claims, with a primary focus on high-value losses exceeding $500,000. This role involves reviewing coverage, assessing claim validity, managing reserves, and authorizing payments and settlement recommendations. Working closely with independent adjusters, internal teams, and legal counsel, the examiner ensures claims are handled accurately, fairly, and efficiently. The position requires strong technical expertise in commercial property policies, claims procedures, and settlement practices. It also involves identifying potential fraud, maintaining regulatory compliance, and negotiating settlements that reflect covered losses while protecting the insurer’s interests. This is a full-time remote opportunity for an experienced claims professional based in the United States.

• Bachelor’s degree or equivalent.

• At least 5 years of property claims adjusting experience, including preferably 2 or more years in commercial property claims.

• Four years of commercial claims experience, including 2 years handling claims exceeding $500,000.

• Comprehensive understanding of insurance policy contracts, applicable statutes, and claims processes.

• Certification in CEA and Fair Claims Settlement Practices.

• Strong written and verbal communication skills, with the ability to collaborate effectively with adjusters, legal counsel, and internal stakeholders.

• Working knowledge of Microsoft Office, particularly Word and Excel.

• Strong analytical, investigative, negotiation, and decision-making skills, with the ability to evaluate complex claims and recommend appropriate settlements.