Claims Representative

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EMC Insurance Companies

WebsiteLinkedInAll Job Openings

1001 - 5000 employees

Founded 1911

🛡️ Insurance

Insurance

EMC Insurance Companies is a mutual insurance firm providing specialized business insurance solutions. They focus on commercial property insurance, liability insurance, workers' compensation, and business owners' policies. With a strong emphasis on personalized service, EMC collaborates closely with local agents to deliver comprehensive and tailored coverage. EMC is committed to understanding the unique challenges faced by its policyholders, offering risk management and loss control resources to help businesses safeguard their assets. Known for their dedicated partnerships and exceptional customer service, EMC ensures that businesses are prepared for the unexpected with their superior insurance solutions.

📋 Description

• Investigate and evaluate low-complexity third-party auto, casualty, and premises liability claims, including coverage analysis and liability assessment • Initiate timely contact with insureds, claimants, witnesses, clients, and other involved parties, typically within 24 hours of claim assignment • Obtain statements, gather documentation, review police/fire reports, and identify subrogation or recovery opportunities • Establish and maintain appropriate claim reserves based on exposure and claim developments • Secure and review medical records, bills, invoices, receipts, and other supporting documentation for claim evaluation • Prepare excess carrier notifications and escalate complex claims to leadership when additional expertise is required • Respond to inquiries regarding claim status, coverage, liability, and damages • Draft reservation of rights and denial letters with appropriate management approval • Negotiate and resolve claims within assigned authority, recommend settlements exceeding authority limits, and issue payments accordingly • Prepare bodily injury and property damage evaluations and settlement documentation • Ensure proper execution of releases and agreements • Maintain active claim diaries, follow client-specific handling instructions, prepare claim summaries and reports, participate in file reviews, and stay current through ongoing training

🎯 Requirements

• Associate degree or equivalent relevant experience • One year of claims handling, insurance, or related experience • Low-complexity third-party auto, casualty, and premises liability claims handling experience strongly preferred • Bachelor’s degree may be considered in lieu of the claim handling or insurance experience requirement • AIC, INS, or other insurance-related certifications preferred • Basic knowledge of the claims adjusting process • Basic knowledge of insurance contracts, medical terminology, and legal aspects of court procedures affecting legal liability • Good knowledge of computers, including claims systems • Strong organizational, written, and verbal communication skills, including documentation • Good investigative and problem-solving abilities

🏖️ Benefits

• Outstanding benefits with life, medical, dental, vision and prescription drug coverage • Competitive paid time off plan • Full day of volunteer time off annually • 401(k) plan match • Pension plan • OneEMC bonus plan • Recognition and anniversary awards • Professional development and growth opportunities • Tuition reimbursement • Wellness initiatives to improve team member well-being and reduce health insurance costs • Flexibility to dress for your day • Opportunities for alternative work arrangements