Inland Marine & Cargo Claims Examiner

🕒 June 24

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Raphael & Associates

WebsiteLinkedInAll Job Openings

201 - 500 employees

Founded 1978

🛡️ Insurance

🏢 Enterprise

📋 Compliance

Insurance • Enterprise • Compliance

Raphael & Associates is a Third Party Administrator and Independent Claims Adjusting company internationally recognized for its exceptional service and unsurpassed reputation in nationwide claims handling. With a strong focus on property and casualty claims, the company provides comprehensive claims management, field adjusting, and loss control services tailored to meet the needs of various clients, including self-insured and public entities. Through strategic partnerships and regional offices across the country, Raphael & Associates is dedicated to maintaining high standards of service and leveraging technology to improve the claims process.

📋 Description

• Investigate Commercial Transportation claims specifically to Inland Marine and Cargo, involving physical damage to trucks, tractors, trailers, buses, commercial fleets, and specialized transportation equipment. • Review policy language to determine coverage applicability, exclusions, limits, deductibles, and endorsements. • Evaluate liability associated with losses occurring while commercial vehicles are under the care, custody, or control of insured garage operations. • Obtain and analyze repair estimates, maintenance records, inspection reports, photographs, contracts, invoices, and statements from insureds, claimants, and witnesses. • Coordinate inspections with appraisers, heavy equipment specialists, engineers, salvage vendors, and independent adjusters. • Assess damages involving commercial vehicles, cargo-related equipment, specialized transportation units, and fleet assets. • Establish and maintain appropriate claim reserves based on exposure and severity. • Negotiate settlements with insureds, fleet owners, repair facilities, attorneys, and third-party claimants within established authority levels. • Identify and pursue subrogation opportunities against responsible parties, manufacturers, vendors, or contractors. • Manage litigation and work closely with defense counsel on disputed liability or coverage matters. • Detect and escalate potentially fraudulent claims for special investigation. • Maintain accurate claim documentation and diary management in compliance with company procedures and regulatory requirements. • Deliver timely and professional customer service to insureds, brokers, agents, fleet managers, and transportation industry stakeholders. • Participate in claim audits, training initiatives, and process improvement efforts.

🎯 Requirements

• 3–7 years of commercial auto, transportation, trucking, garage liability, garage keepers, heavy equipment, or property damage claims handling experience. • Experience handling heavy truck, fleet, towing, recovery, repair facility, dealership, or transportation service claims. • Strong knowledge of Commercial Transportation insurance coverages, Inland Marine & Cargo Legal Liability, Garage Liability, Commercial Auto, and Garage Keepers policies. • Understanding of trucking operations, fleet maintenance practices, vehicle repair processes, and transportation industry exposures. • Experience handling moderate to complex claims involving commercial vehicles and transportation service operations. • Strong investigative, analytical, negotiation, decision-making skills and litigation management experience. • Excellent written and verbal communication abilities. • Proficiency with claims management systems and Microsoft Office applications.

🏖️ Benefits

• Excellent Salary • Multiple Bonus Opportunities • Medical Benefits including Dental, Vision and Life • Paid Holidays/Vacation • 401(k) Plan • Flex-Time • Educational Assistance Program