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Insurance Subrogation Jobs in Florida (NOW HIRING)

Diedre Moire Corp.

Attorney

Cape Coral, FL · On-site

$300K/yr

Attorney Insurance High Exposure Claims - Cape Coral, FL Attorney Counsel Insurance Claims Lawyer VP Vice President Complex Catastrophic Losses Long Tail Subrogation Policy Interpretation Research ...

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Insurance Subrogation information

What is insurance subrogation?

Insurance subrogation is the process by which an insurance company seeks reimbursement from the at-fault party or their insurer after paying out a claim to its own policyholder. This typically occurs when an insurer has compensated its policyholder for damages or losses, and then pursues recovery from the responsible third party. Subrogation helps keep insurance costs down by ensuring that the party responsible for the loss ultimately pays for it. The policyholder may be required to cooperate with the insurer during the subrogation process, but usually does not need to take direct action themselves.

How does an insurance subrogation specialist typically collaborate with other departments or external parties during the recovery process?

Insurance Subrogation Specialists frequently work closely with adjusters, claims examiners, legal teams, and sometimes external parties such as attorneys and representatives from other insurance companies. Their primary responsibility involves gathering documentation, analyzing claims, and negotiating settlements, which requires strong communication and coordination skills. Effective collaboration ensures the accurate exchange of information and expedites the recovery process, ultimately maximizing recoveries for their organization. Building strong professional relationships is key to overcoming common challenges such as delayed responses or disputed claims.

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

To excel as an Insurance Subrogation Specialist, you need a solid understanding of insurance policies, claims processing, and legal procedures, often supported by experience in insurance, claims, or related certifications. Familiarity with claims management software, case management systems, and basic legal research tools is commonly required. Strong negotiation, analytical thinking, and attention to detail are essential soft skills for resolving claims efficiently and professionally. These abilities are critical for maximizing recoveries, minimizing losses, and ensuring compliance with legal and policy requirements.

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

AspectInsurance SubrogationInsurance Claims Adjuster
Primary RoleRecover funds from third parties after a claimAssess and settle insurance claims with policyholders
CredentialsKnowledge of insurance laws, negotiation skillsLicensing, claims handling certifications
Work EnvironmentLegal and insurance settings, often involving negotiationsInsurance companies, field and office work
Industry UsageInsurance, legal, recoveryInsurance, customer service

Insurance Subrogation focuses on recovering costs from third parties after a claim, while Insurance Claims Adjusters evaluate and settle claims directly with policyholders. Both roles require insurance knowledge and certifications but serve different functions within the insurance industry.

How to become an insurance subrogation adjuster?

To become an insurance subrogation adjuster, typically one needs a high school diploma or equivalent, along with experience in insurance claims or related fields. Many employers prefer candidates with a state license or certification in claims adjusting, and strong analytical, negotiation, and communication skills are essential for success in this role.

What are popular job titles related to Insurance Subrogation jobs in Florida?

For Insurance Subrogation jobs in Florida, the most frequently searched job titles are:

What job categories do people searching Insurance Subrogation jobs in Florida look for?

The top searched job categories for Insurance Subrogation jobs in Florida are:

Insurance Subrogation jobs near you
Infographic showing various Insurance Subrogation job openings in Florida as of September 2026, with employment types broken down into 1% As Needed, 77% Full Time, 17% Part Time, 4% Contract, and 1% Nights. Highlights an 83% Physical, 1% Hybrid, and 16% Remote job distribution.

Subrogation Litigation Claims Adjuster

Miami, FL • On-site

Univista Holdings
Insurance Services • 1 - 10 employees
Learn more about Univista Holdingsexternal

$45K - $65K/mo

Other

Medical, Dental, Vision, Life, Retirement, PTO

Re-posted 17 days ago

Job description

Job Details

Job Location: Miami, FL 33166

Salary Range: $45,000.00 - $65,000.00 per month

About the Role

Loyalty MGA is seeking an experienced Bilingual Pre-Litigation Adjuster to join our dynamic team onsite. This position offers a hybrid work schedule upon successfully completing the company’s probation period. This role is crucial for managing and resolving insurance claims before they escalate to litigation. If you have expertise in auto insurance claims, negotiation, and customer service, we want to hear from you. This is an excellent opportunity to advance your career in a supportive and fast‑paced environment.

Responsibilities
  • Investigate, evaluate, and settle pre‑litigation claims efficiently and fairly, including Bodily Injury, Personal Injury Protection, and Property Damage.
  • Conduct thorough reviews of case files, policy coverages, and applicable laws to determine claim liability and exposure.
  • Communicate and negotiate settlements directly with claimants, attorneys, and other stakeholders.
  • Collect and analyze statements, documentation, and evidence from involved parties to support claim resolution.
  • Maintain accurate and up‑to‑date claim files and reserves in compliance with company standards and regulatory requirements.
  • Provide exceptional customer service to all internal and external stakeholders, ensuring clear and professional communication.
  • Collaborate with the litigation team to transition cases, if necessary, while ensuring seamless handoffs.
Qualifications
  • Hold a valid all lines 6‑20 license.
  • Negotiate settlements with claimants or their representatives, ensuring fair and equitable agreements.
  • Adhere to ethical standards and guidelines while handling claims and interacting with stakeholders.
  • High school diploma or equivalent; bachelor’s degree in business, or related field preferred.
  • Strong problem‑solving skills with a focus on delivering timely and effective resolutions to customer issues.
  • Strong organizational and time management skills to handle multiple tasks efficiently.
  • Professional, energetic, and able to thrive in a fast‑paced environment and adapt to changing priorities.
  • Excellent verbal and written communication skills. Ability to articulate solutions clearly and concisely.
  • Bilingual in English and Spanish.
Benefits
  • Competitive base pay based on your experience and license.
  • Comprehensive medical insurance coverage.
  • Full dental and vision plans included.
  • Voluntary supplemental plans available.
  • Company‑paid basic life insurance policy.
  • 401(k) plan with company match.
  • Paid time off: 2.5 weeks to start, increasing with tenure.
  • Dedicated sick time separate from PTO.
  • Performance bonus tied directly to results.
  • Employee referral program with rewards for bringing great talent in.
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