Recovery Representative – Claims Subrogation

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🇺🇸 United States – Remote

💵 $75k - $85k / year

⏰ Full Time

🟢 Junior

📋 Claims Specialist

👻 Ghost score 0%

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biBerk Business Insurance

WebsiteLinkedInAll Job Openings

51 - 200 employees

🛡️ Insurance

🤝 B2B

💸 Finance

Insurance • B2B • Finance

biBerk Business Insurance is a digital-first insurance provider focused on small business insurance, offering policies such as workers' compensation, professional liability (E&O), general liability, business owners policies (BOP), commercial auto, umbrella, and cyber coverage. Part of the Berkshire Hathaway Insurance Group and backed by A++ rated carriers, biBerk lets small businesses get online quotes, purchase policies, manage claims and documents, and access resources to simplify insurance. The company serves a wide range of small business industries (e. g. , restaurants, retail, contractors, IT, healthcare) and emphasizes instant coverage, cost savings, and direct-to-business underwriting.

📋 Description

• Review first-party claims including Physical Damage, Cargo, PIP, and Property claims for subrogation potential • Analyze loss facts, probable liability, required investigation, and recoverable damages • Assign independent adjusters and experts and coordinate subrogation investigations • Identify and pursue recovery from responsible parties and/or their insurers • Review questionable proposed settlements with the Recovery Unit Team Lead • Contact responsible parties and insurers after submitting company payment demands • Assign and coordinate with subrogation attorneys when disputes arise or enforcement is needed • Review invoices for compliance with company agreements and guidelines • Pursue uninsured motorists for subrogation and coordinate with motor vehicle and legal authorities when appropriate • Maintain diary systems for prompt follow-up, required actions, and maximum collection • Maintain claim files using IIS, Apollo, and Duck Creek claims systems • Determine and diary statutes of limitations on recovery files • Review trade journals, case law, state statutes, and insurance policies to stay current on legal and coverage changes • Retain and manage outside vendors and experts as warranted • Verify liability deductibles, initiate formal demands, track recovery amounts, and enter recoveries in claim files • Respond to written and telephonic inquiries and resolve deductible collection disputes • Follow up with policyholders to ensure payments are made • Evaluate recovery attempts and recommend write-offs or collection agency referrals when appropriate • Advise Underwriting when deductible collection attempts are unsuccessful • Coordinate with referring examiners and claims representatives on deductible and workers compensation subrogation strategies • Generate deductible invoices, review payments, calculate reimbursements, and issue deductible reimbursement checks

🎯 Requirements

• Bachelor’s Degree • 1 to 2 years of related work experience • Basic math • Basic literacy in computer knowledge and use • Preferred: claim investigation practices • Preferred: insurance courses such as IIA or AIC in coverage, subrogation, legal principles, legal terminology, contracts, and business law • Preferred: 1–2 years’ experience in liability and/or subrogation claim handling • Investigation skills • Liability analysis • Negotiation skills • Excellent written and verbal communication • Ability to analyze problems, apply knowledge and logic, and draw appropriate conclusions • Ability to work well with others, especially in confrontational situations • Self-motivated and able to work independently while meeting assigned deadlines • Ability to maintain strict confidentiality • Ability to work with detail and accuracy • Ability to maintain a positive and professional demeanor when interacting with internal and external customers

🏖️ Benefits

• Medical (PPO/HDHP), vision, disability, and life insurance • Enhanced dental plan with orthodontia coverage in addition to a standard plan • Generous PTO plan for all benefit-time eligible employees • Paid company holidays and 4 floating holidays • Paid parental leave • Employee Retirement Savings Plan/401(k) with company match and immediate vesting • Education Assistance Program offering 100% upfront tuition reimbursement after 6 months of service for approved degree programs • Service Recognition Program providing a monetary award toward a vacation every 5 years of employment • Wellness Initiatives including Fitness Center and Weight Watchers Reimbursement programs • Voluntary accident, critical illness, and hospital indemnity benefits • Employee discount and rewards program on travel, tickets, electronics, home, and more