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Insurance Subrogation Jobs in Kentucky (NOW HIRING)

TEKsystems

Claims Specialist

Lexington, KY

$15 - $16/hr

... in insurance and claims operations. The Claims Support Specialist will serve as a key point of ... Subrogation * Workers' Compensation * Medical Claims * Litigation Support Required Qualifications

TEKsystems

Claims Specialist

Lexington, KY

$15 - $16/hr

... in insurance and claims operations. The Claims Support Specialist will serve as a key point of ... Subrogation * Workers' Compensation * Medical Claims * Litigation Support Required Qualifications

Machinify

Administrative Clerk - Mailroom

La Grange, KY

$23/hr

About the Opportunity As part of the Subrogation Division, the Administrative Clerk assists the day ... Eligibility for company-paid benefits including life insurance, short-term disability, and parental ...

Machinify

Administrative Clerk - Mailroom

La Grange, KY · On-site

$23/hr

About the Opportunity As part of the Subrogation Division, the Administrative Clerk assists the day ... Eligibility for company-paid benefits including life insurance, short-term disability, and parental ...

Cna

Claims Consultant, Life Sciences

Louisville, KY

Realizes and addresses subrogation/salvage opportunities or potential fraud occurrences by ... Thorough knowledge of the commercial insurance industry, products, policy language, coverage, and ...

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All JobsInsurance Subrogation JobsInsurance Subrogation Jobs in Kentucky

Insurance Subrogation information

See Kentucky salary details

$16.9K

$64.9K

$96K

How much do insurance subrogation jobs pay per year?

As of Aug 12, 2026, the average yearly pay for insurance subrogation in Kentucky is $64,861.00, according to ZipRecruiter salary data. Most workers in this role earn between $41,700.00 and $86,900.00 per year, depending on experience, location, and employer.

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 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.

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.

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 are popular job titles related to Insurance Subrogation jobs in Kentucky? For Insurance Subrogation jobs in Kentucky, the most frequently searched job titles are:
What job categories do people searching Insurance Subrogation jobs in Kentucky look for? The top searched job categories for Insurance Subrogation jobs in Kentucky are:
What cities in Kentucky are hiring for Insurance Subrogation jobs? Cities in Kentucky with the most Insurance Subrogation job openings:
Insurance Subrogation jobs near you
Infographic showing various Insurance Subrogation job openings in Kentucky as of August 2026, with employment types broken down into 1% As Needed, 73% Full Time, 20% Part Time, and 6% Contract. Highlights an 91% Physical, 1% Hybrid, and 8% Remote job distribution, with an average salary of $64,861 per year, or $31.2 per hour.

Senior Claims Adjuster - Workers' Compensation

MSIG Holdings USA, Inc.

Georgetown, KY • On-site

$59K - $77K/yr

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

Re-posted 4 days ago

Job description

MSIG USA continues to grow!
Company Overview:
MSIG USA is the US-based subsidiary of MS&AD Insurance Group Holdings, Inc., one of the world's top P&C carriers and a global Class 15 insurer, with A+ ratings and a reach that spans 40+ countries and regions. Leveraging our 350-year heritage, MSIG USA brings the financial strength, expertise, and global footprint to offer commercial insurance solutions that address your business's unique risks.
Summary/Job Purpose:
This position is responsible to adjust assigned claims within delegated limits of authority, conduct timely and thorough investigations, handle subrogation claims, and complete fair and equitable claim settlements in accordance with MSMM Claim Handling Guidelines and/or requirements of principals regarding TPA business to ensure services are provided in a fair, equitable and timely manner.
Essential Functions:
Percentage of Time:
  • Receives new claim assignments of a moderate to complex nature and analyzes the nature of the claim to determine required investigation and handling. Determines and identifies indemnity issues or questions of coverage in accordance with MSMM Claims Handling Guidelines and/or requirements of principals regarding TPA business.
  • Performs timely and thorough investigations including necessary survey arrangement in compliance with all jurisdictional requirements and/or entitlements.
  • Conducts an informed case analysis to initiate reserve changes within assigned authority and makes recommendations to supervisor or manager where assigned authority is exceeded.
  • Manages, controls and negotiates timely and equitable claim payments and settlements in accordance with jurisdictional and fair claims practice requirements and company policy and procedures. Investigates, evaluates and resolves moderate level claims files.
  • Maintains current case diary and ensures retention of appropriate hard copy file documentation. Provides accurate claims system documentation as required by company claim manuals and procedures. Responsible for completion and/or submission of claim forms and reports as required by outside agencies.
  • May handle subrogation of claims within delegated limits of authority, including identification of responsible parties, preparation of claim notice, correspondence with carriers, and negotiation of settlement in accordance with MSMM Recovery Procedures.
  • May be required to assign the defense of lawsuits to approved defense counsel; directs and monitors quality and performance of defense counsel. Maintains compliance with all requirements of the company's Litigation Management Program. Reviews and adjusts, where appropriate, fee bills and legal expenses for accuracy and reasonableness.
  • Services the claim needs of our customers including insureds, claimants, brokers, etc., in accordance with company policy and procedures, and attends client visitations with underwriters and other parties to conduct presentations and reviews.
  • Maintains ongoing communication with all customers throughout the claims process in an effort to provide timely and appropriate claim status as appropriate and/or required by statutory regulations.
  • Completes timely and accurate data reports to state reporting agencies to ensured full compliance with MSMM and regulatory requirement.
  • Maintains full compliance with all regulatory Fair Claim Practices Acts and state and federal regulations.
  • Maintains full compliance with all state licensing and continuing education requirements to ensure current and appropriate filing/standing of all adjuster licenses.

Supervisory Responsibilities:
This position has no supervisory responsibilities.
Qualifications: To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
Education and Experience Required:
Diploma/Degree & Experience
  • High School Degree or G.E.D. is required. Bachelor's degree (B. A.) is preferred.
  • 5+ years of claims experience, including ability to successfully negotiate settlements, verify coverage, appropriately set reserves, successfully complete investigations and understand rules associated with state regulations
  • New York or Virginia claims handling experience is preferred.

#LI-HYBRID
Salary: The base pay range is 95k-105k . Salary determinations are based on various factors, including but not limited to, relevant work experience, skills, certifications and location.
Additional Benefits:
  • Healthcare and Retirement Benefits
  • Comprehensive medical, dental, and vision coverage
  • 401(k) with a generous employer match and profit-sharing contribution
  • Wellness incentive program
  • Life and accidental death and dismemberment (AD&D) insurance
  • Flexible spending programs
  • Short-term and long-term disability plans

Additional Benefit Programs
  • Paid time off program
  • Paid charitable leave
  • Paid parental leave
  • Tuition reimbursement program
  • Personal insurance (auto/homeowners) discounts

#LI-HYBRID #LI-Remote
It's an exciting time for our company and a great opportunity to join a financially sound and growing global insurance group!
It is the policy of MSIG USA to provide equal employment opportunity (EEO) to all persons regardless of age, color, national origin, citizenship status, physical or mental disability, race, religion, creed, gender, sex, sexual orientation, gender identity and/or expression, genetic information, marital status, status with regard to public assistance, veteran status, or any other characteristic protected by federal, state or local law. In addition, MSIG USA will provide reasonable accommodations for qualified individuals with disabilities.

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