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Insurance Claims Representative Jobs in Minnesota

Eclaro

Critical Illness Claims Rep

Minneapolis, MN · On-site

$22.85 - $28.57/hr

Critical Illness Claims Rep Job Number: 26-01067 Find your next opportunity in the Financial ... ECLARO's client's provides retirement savings, health & investment management and insurance ...

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Insurance Claims Representative information

See Minnesota salary details

$6

$24

$39

How much do insurance claims representative jobs pay per hour?

As of Aug 7, 2026, the average hourly pay for insurance claims representative in Minnesota is $24.06, according to ZipRecruiter salary data. Most workers in this role earn between $17.40 and $28.27 per hour, depending on experience, location, and employer.

Is it hard to be an insurance claims representative?

Being an insurance claims representative involves handling complex cases, requiring strong communication, attention to detail, and knowledge of insurance policies. The job can be demanding due to the need to evaluate claims accurately and manage customer interactions, but it is generally manageable with proper training and experience.

What does an insurance claims representative do?

An Insurance Claims Representative is responsible for evaluating insurance claims submitted by policyholders. They investigate the details of each claim, determine the extent of the insurance company's liability, and help ensure that claims are processed accurately and efficiently. They may gather information from claimants, witnesses, and other parties, review documentation, and communicate decisions to customers. Their goal is to provide fair settlements while adhering to company policies and legal guidelines.

What are the key skills and qualifications needed to thrive as an insurance claims representative, and why are they important?

To thrive as an Insurance Claims Representative, you need a solid understanding of insurance policies, claims processes, and investigative techniques, typically supported by a high school diploma or associate degree. Familiarity with claims management software, CRM systems, and occasionally industry certifications such as AIC (Associate in Claims) are commonly required. Strong customer service, analytical thinking, and effective communication skills help you manage claims efficiently and support clients during stressful situations. These abilities are vital for ensuring accurate claims resolution, maintaining customer satisfaction, and upholding the company's reputation.

Do you need a degree to be an insurance claims representative?

Typically, a high school diploma or equivalent is sufficient to become an insurance claims representative. Some employers prefer candidates with post-secondary education or relevant certifications, and strong communication and customer service skills are important for the role.

What does an insurance claims representative do?

An insurance claims representative assesses customer insurance claims. Your duties in this career include visiting accident sites and interviewing witnesses or customers to determine the scope of the claim. You also determine whether or not it is worth negotiating a settlement, and if so, you ensure all settlement claims are handled quickly. In addition to assessing accidents and claims, you update customer policies depending on their history. Qualifications for the career include experience and job skills. You should have excellent customer service, a firm knowledge of all company policies, and computer literacy.

What are some common challenges insurance claims representatives face when handling complex claims?

Insurance Claims Representatives often encounter challenges such as managing high caseloads, interpreting intricate policy details, and handling sensitive conversations with policyholders during stressful situations. They must balance empathy with adherence to company policies and regulations, all while investigating and verifying the validity of claims. Effective communication, time management, and problem-solving skills are essential to navigate these complexities and deliver fair outcomes for both the client and the insurer.

What is the difference between Insurance Claims Representative vs Insurance Adjuster?

AspectInsurance Claims RepresentativeInsurance Adjuster
Required CredentialsHigh school diploma or equivalent; some roles may require licensingLicensing often required; certifications like AIC or CPCU beneficial
Work EnvironmentOffice settings, customer service interactions, claims processingFieldwork, site inspections, or office-based assessments
Employer & Industry UsageInsurance companies, claims departmentsInsurance companies, independent adjusting firms
Common Search & ComparisonOften compared for claims handling rolesMore focused on damage assessment and investigation

The main difference between an Insurance Claims Representative and an Insurance Adjuster lies in their roles. Claims Representatives primarily handle customer interactions and process claims within an office environment, while Adjusters often conduct field inspections and assess damages. Both roles require relevant licensing and are integral to the insurance industry, but they focus on different aspects of claims management.

More about Insurance Claims Representative jobs
What are popular job titles related to Insurance Claims Representative jobs in Minnesota? For Insurance Claims Representative jobs in Minnesota, the most frequently searched job titles are:
What job categories do people searching Insurance Claims Representative jobs in Minnesota look for? The top searched job categories for Insurance Claims Representative jobs in Minnesota are:
What are popular job titles related to Insurance Claims Representative jobs in MN? For Insurance Claims Representative jobs in MN, the most frequently searched job titles are:
Insurance Claims Representative jobs near you
Infographic showing various Insurance Claims Representative job openings in Minnesota as of July 2026, with employment types broken down into 1% As Needed, 73% Full Time, 22% Part Time, and 4% Contract. Highlights an 89% Physical, 1% Hybrid, and 10% Remote job distribution, with an average salary of $50,039 per year, or $24.1 per hour.

Branch Claims Representative

Auto Owners Insurance Company

Willmar, MN • Hybrid

$50K - $81K/yr

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

Re-posted 14 days ago

Job description

A career at Auto-Owners is challenging and rewarding. Our group of caring associates create financial security by helping individuals and businesses make a new start when a loss occurs.

Job Description

We offer a merit-based work-from-home program based on job responsibilities. After initial training in-person, you could have the flexibility of work-from-home time as defined by the leadership team.

Auto-Owners Insurance, a top-rated insurance carrier, is seeking a motivated claims trainee to join our team. This job handles entry-level insurance claims under close supervision through the life-cycle of a claim including but not limited to: investigation, evaluation, and claim resolution. This job provides service to agents, insureds, and others to ensure claims resolve accurately and timely. This job includes training and development completion of the Company's claims training program for the assigned line of insurance and requires the person to:

  • Investigate, evaluate, and settle entry-level insurance claims
  • Study insurance policies, endorsements, and forms to develop foundational knowledge on Company insurance products
  • Learn and comply with Company claim handling procedures
  • Develop entry-level claim negotiation and settlement skills
  • Build skills to effectively serve the needs of agents, insureds, and others
  • Meet and communicate with claimants, legal counsel, and third-parties
  • Develop specialized skills including but not limited to, estimating and use of designated computer-based programs for loss adjustment
  • Study, obtain, and maintain an adjuster's license(s), if required by statute within the timeline established by the Company or legal requirements

Desired Skills & Experience

  • Bachelor's degree or direct equivalent experience with property/casualty claims handling
  • Ability to organize data, multi-task and make decisions independently
  • Above average communication skills (written and verbal)
  • Ability to write reports and compose correspondence
  • Ability to resolve complex issues
  • Ability to maintain confidentially and data security
  • Ability to effectively deal with a diverse group individuals
  • Ability to accurately deal with mathematical problems, including, geometry (area and volume) and financial areas (such as accuracy in sums, unit costs, and the capacity to read and develop understanding of personal and business finance documents)
  • Ability to drive an automobile, possess a valid driver license, and maintain a driving record consistent with the Company's underwriting guidelines for coverage
  • Continually develop product knowledge through participation in approved educational programs

Compensation

Auto-Owners offers a generous compensation package. For this position, the anticipated annualized starting base pay range is $50,000.00 - $81,500.00. Other components of the compensation package include benefit dollars used to purchase certain benefits and several bonus opportunities.

Benefits

Auto-Owners offers a wide range of career opportunities, and we are seeking talent that will help us continue our long tradition of success. We offer a friendly work environment, structured training program, employee mentoring and an excellent benefits package. Along with a matched 401(k), fully funded pension plan (once vested), Auto-Owners also offers medical, prescription, dental and vision insurance; associate, spouse and child life insurance; supplemental sick pay; long term disability; health care flexible spending accounts and dependent care flexible spending accounts. Additional benefits include: generous paid time off including holidays, vacation days, personal time, sick leave and parental leave; adoption assistance; discounts on personal insurance; education matching gift program; student loan assistance program, a gym membership and fitness class reimbursement program and a company car. If you're looking to do rewarding work alongside great people, Auto-Owners is the place for you!

Equal Employment Opportunity

Auto-Owners Insurance is an equal opportunity employer. The Company hires, transfers, and promotes on the basis of ability, without consideration of disability, age, sex, race, color, religion, height, weight, marital status, sexual orientation, gender identity or national origin, or any factor contrary to federal, state or local law.

*Please note that the ability to work in the U.S. without current or future sponsorship is a requirement.

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