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Insurance Subrogation Jobs in Boston, MA (NOW HIRING)

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Insurance Subrogation information

See Boston, MA salary details

$21.2K

$81.1K

$120K

How much do insurance subrogation jobs pay per year?

As of Jul 31, 2026, the average yearly pay for insurance subrogation in Boston, MA is $81,132.00, according to ZipRecruiter salary data. Most workers in this role earn between $52,100.00 and $108,600.00 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.
Infographic showing various Insurance Subrogation job openings in Boston, MA as of July 2026, with employment types broken down into 1% As Needed, 71% Full Time, 22% Part Time, and 6% Contract. Highlights an 95% Physical, 2% Hybrid, and 3% Remote job distribution, with an average salary of $81,132 per year, or $39 per hour.

Full-time

Medical, Dental, Vision, Retirement, PTO

Re-posted 16 days ago


Safety Insurance rating

7.8

Company rating: 7.8 out of 10

Based on 5 frontline employees who took The Breakroom Quiz

186th of 300 rated insurance


Job description

Safety Insurance is proud to be one of the leading property and casualty insurance providers in Massachusetts. We are committed to supporting independent agents and their customers through our unwavering dedication to excellence. Our success is built on a simple philosophy: deliver the highest quality insurance products at competitive rates while providing exceptional service at every step.

At Safety Insurance, we don't just offer jobs - we offer careers that are challenging, fulfilling, and designed to grow with you.

Our people are our greatest asset. A diverse workforce makes us stronger, more innovative, and better equipped to serve our customers. At Safety, we empower our employees to be their best by fostering an inclusive environment and offering resources that support their careers, education, and families. We also understand the importance of work-life balance. That's why we offer hybrid work options, flexible schedules, and a 37.5-hour workweek. Conveniently located in the heart of Boston's financial district, our downtown office is a positive space where employees can stay connected to both each other and the pulse of the city.

Safety's benefits go beyond the basics. In addition to competitive salaries, our comprehensive benefits package includes:

  • Medical, vision, and dental insurance

  • 3 weeks accrued PTO

  • 100% matching 401(k) retirement plan

  • 100% tuition reimbursement

  • Free on-site fitness center

  • Complimentary coffee and breakfast service

  • ...and much more!

Join Safety Insurance and discover a career that's built to support your success - both personally and professionally.

Job Summary

This position adjusts physical damage only claims for business and private passenger auto policies. The adjuster sets up the claim, investigates the accident or loss, determines coverage applicability or exclusions, makes a liability and deductible decision, applies the appropriate surcharge when applicable and processes payments of both direct and subrogation claims.

Responsibilities

  • Set up claims from information received via fax, mail or phone call from our agent, insured, claimant or other person

  • Determine and apply coverage and limits.

  • Gather information from witnesses, claimants and insureds to assess coverage, liability and damages.

  • Handle private passenger and commercial auto claims. Identify bailment and subrogation opportunities.

  • Make liability and deductible decisions and process payments.

  • Fosters and maintain relationships with agents and policyholders through effective communication and excellent customer service skills.

  • Resolve claim issues with insureds, claimants and attorneys.

  • Apply accurate jurisdictional Standards of Fault and appropriate negligence statutes to establish liability.

  • Judiciously utilize vendors to assist with investigations, when necessary.

  • Identify the at-fault party, his/her insurance carrier, if any, and negotiate adverse subrogation claims.

  • Perform other duties as required.

  • College degree or commensurate experience required.
  • 2+ years of experience handling personal and commercial auto claims preferred.
  • Demonstrated success handling auto claims.
  • Licensed in New England states preferred.
  • Superior organizational skills and attention to detail required.
  • Customer service experience required.
  • Excellent communication skills required.
  • Ability to work cooperatively within a team environment.

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