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Independent Claim Adjuster Jobs (NOW HIRING)

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Independent Claim Adjuster information

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$30.5K

$64.6K

$90K

How much do independent claim adjuster jobs pay per year?

As of Sep 9, 2026, the average yearly pay for independent claim adjuster in the United States is $64,609.00, according to ZipRecruiter salary data. Most workers in this role earn between $51,000.00 and $75,500.00 per year, depending on experience, location, and employer.

What is an independent claim adjuster?

Independent claim adjusters are professionals who investigate and evaluate insurance claims on behalf of insurance companies, but they are not directly employed by any one insurer. Instead, they typically work as contractors or for independent adjusting firms and are hired to assess claims, determine the extent of the insurance company's liability, and help resolve claims efficiently. Their work often involves inspecting property damage, interviewing claimants and witnesses, and preparing detailed reports. Independent adjusters are especially important after large-scale disasters when insurance companies need extra help managing a high volume of claims.

What are the key skills and qualifications needed to thrive as an independent claim adjuster?

To thrive as an Independent Claim Adjuster, you need a solid understanding of insurance policies, investigative techniques, and claims evaluation, often supported by a relevant license and prior experience in insurance or claims. Familiarity with claims management software, estimating tools like Xactimate, and digital documentation systems is typically required. Outstanding attention to detail, negotiation skills, and the ability to communicate empathetically help set top adjusters apart. These skills and tools are crucial for accurately resolving claims, ensuring client satisfaction, and maintaining compliance with industry standards.

What are some common challenges independent claim adjusters face and how can they effectively manage their workload?

Independent Claim Adjusters often juggle multiple claims simultaneously, each with unique circumstances and deadlines. Managing time efficiently, maintaining thorough documentation, and staying updated on industry regulations are key challenges. Leveraging digital tools for scheduling and reporting, regularly communicating with clients and insurers, and prioritizing complex cases can help adjusters stay organized and meet expectations. Building strong relationships with contractors and legal professionals also streamlines the claims process and ensures accurate assessments.

What is the difference between Independent Claim Adjuster vs Staff Claim Adjuster?

AspectIndependent Claim AdjusterStaff Claim Adjuster
CredentialsInsurance licenses, adjuster certificationsInsurance licenses, adjuster certifications
Work EnvironmentRemote or on-site, often contractedTypically in-office or assigned to specific office locations
Employer & Industry UsageIndependent contractors, insurance carriers, third-party administratorsInsurance companies, government agencies, large corporations
Work ScopeHandle claims independently, often on a per-claim basisManage claims as part of a team, with ongoing employment

In summary, Independent Claim Adjusters work independently, often on a contract basis, handling claims remotely or on-site, while Staff Claim Adjusters are employed full-time by insurance companies or agencies, working within a team environment. Both roles require similar certifications but differ mainly in employment structure and work setup.

How to get hired as an independent claim adjuster?

To get hired as an independent claim adjuster, candidates typically need relevant insurance or claims experience, strong communication skills, and often must obtain a state license where required. Building a network within the insurance industry and gaining certifications such as the AIC (Associate in Claims) can improve job prospects. Many adjusters work independently or through agencies, and familiarity with claims management software is beneficial.
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What cities are hiring for Independent Claim Adjuster jobs?

Cities with the most Independent Claim Adjuster job openings:

What states have the most Independent Claim Adjuster jobs?

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What are popular job titles related to Independent Claim Adjuster jobs?

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Infographic showing various Independent Claim Adjuster job openings in the United States as of August 2026, with employment types broken down into 1% As Needed, 74% Full Time, 18% Part Time, and 7% Contract. Highlights an 88% Physical, 2% Hybrid, and 10% Remote job distribution, with an average salary of $64,609 per year, or $31.1 per hour.

Litigated Commercial Liability Adjuster (JD Required)

Rancho Cordova, CA • On-site, Remote

Berkshire Hathaway GUARD Insurance Companies
Insurance Services • 1 - 5K employees

$100K - $160K/yr

Full-time

Medical, Dental, Vision, Retirement, PTO

Re-posted 20 days ago


Job description

Overview

Good Things Start Here.

Good things are happening at Berkshire Hathaway GUARD Insurance Companies-an A+ (Superior) rated, nationwide Property & Casualty insurer backed by Berkshire Hathaway. With supportive leadership, collaborative teams, and opportunities to grow, GUARD is a place where people build meaningful, longterm careers.

 

Good Things You Can Count On.

  • Hybrid schedule: 2 days remote / 3 inoffice
  • Predictable hours (no nights, weekends, or holidays)
  • Competitive pay + generous PTO
  • Medical, dental & vision starting day one
  • 401(k), tuition reimbursement & longevity bonuses
Responsibilities

Berkshire Hathaway GUARD Insurance Companies is seeking a Commercial Liability Adjuster (JD required) to handle Commercial General Liability (CGL) claims, including litigated files.

What You'll Do

  • Investigate claims and identify coverage and liability issues
  • Review facts, policy language, and claim documentation to support claim decisions
  • Evaluate pleadings, reports, medical records, and other evidence to assess damages and set reserves
  • Work with defense counsel to manage litigated claims, including mediation and trial preparation
  • Negotiate claim resolution within authority
  • Process indemnity and expense payments
  • Interview insureds, claimants, and witnesses
  • Maintain claim file documentation, including coverage positions and claim activity
  • Ensure claims are handled in accordance with company guidelines and regulatory requirements
Qualifications
  • Juris Doctor (JD) required
  • Experience handling Commercial General Liability (CGL) claims, including litigated claims (minimum 2+ years)
  • Experience analyzing liability, coverage, and claim exposure
  • Strong written and verbal communication skills
  • Ability to manage multiple claims and priorities
  • Experience using claims systems and standard business tools
  • Licensing Requirement: Candidates must hold an active adjuster license or be willing and able to obtain and maintain all required state licenses. The company will support the licensing process, including training and compliance with ongoing continuing education requirements.

Salary $100,000 - $160,000 

In accordance with applicable pay transparency laws, this range represents a goodfaith estimate. Final compensation will be determined based on factors such as experience, credentials, geographic location, and other considerations permitted by law.

This role may be based out of any of our office locations, including:

New York, NY; Parsippany, NJ; Conshohocken, PA; WilkesBarre, PA; Alpharetta, GA; Rosemont, IL; Plano, TX; Scottsdale, AZ; and Rancho Cordova, CA.

Interview Integrity Notice: Berkshire Hathaway GUARD is committed to a fair and consistent hiring process. Candidates are expected to participate independently in interviews. Unauthorized recording, transcription, AI note-taking, or AI interview assistance tools may not be used during interviews without prior approval.

Employment Type: FULL_TIME