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Liability Claims Examiner Jobs (NOW HIRING)

TEEMA Group

$85K - $95K/yr

Commercial Auto & General Liability Claims Examiner II Role Summary Empower your professional journey in a role that values intellectual curiosity and file ownership over high-volume "churn." As a ...

TEEMA Group

$85K - $95K/yr

Commercial Auto & General Liability Claims Examiner II Role Summary Empower your professional journey in a role that values intellectual curiosity and file ownership over high-volume "churn." As a ...

Lowe's

Senior Claims Examiner

Mooresville, NC · On-site

What You Will Do Investigates, evaluates and resolves complex personal injury, product liability ... claims examiners on a team, focusing on bodily injury or property damage in a particular ...

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Liability Claims Examiner information

What does a Liability Claims Examiner do?

A Liability Claims Examiner is responsible for investigating, evaluating, and processing insurance claims related to liability issues, such as accidents or damages caused by policyholders. They review claim applications, gather evidence, interview involved parties, and determine the validity and extent of the insurer's liability. Their work ensures that claims are settled accurately and in accordance with policy terms, often requiring collaboration with attorneys, adjusters, and other professionals.

Is claim adjusting a dying field?

Claim adjusting remains a vital part of the insurance industry, with demand driven by ongoing claims processing and risk management. While automation and technology like claims management software are increasing, skilled adjusters are still needed to handle complex cases and provide customer service, ensuring the field continues to offer employment opportunities.

What are the most common challenges faced by Liability Claims Examiners, and how can they be managed effectively?

Liability Claims Examiners often encounter challenges such as managing a high volume of complex cases, staying current with evolving laws and regulations, and handling sensitive communications with claimants and legal representatives. Effective time management, strong organizational skills, and ongoing professional development are crucial for success. Building collaborative relationships with legal teams, investigators, and other adjusters also helps in thoroughly evaluating claims and reaching fair resolutions.

What are the key skills and qualifications needed to thrive as a Liability Claims Examiner, and why are they important?

To thrive as a Liability Claims Examiner, you need a solid understanding of insurance policies, claims investigation, and legal principles, often supported by a bachelor’s degree in business, insurance, or a related field. Familiarity with claims management software, industry databases, and relevant certifications like AIC (Associate in Claims) are typically required. Strong analytical thinking, attention to detail, negotiation skills, and effective communication set top performers apart. These skills ensure accurate claim evaluations, minimize risk, and maintain compliance while delivering fair outcomes for all parties involved.

What is the difference between Liability Claims Examiner vs Claims Adjuster?

AspectLiability Claims ExaminerClaims Adjuster
CredentialsHigh school diploma or equivalent; some roles require insurance licensesHigh school diploma; insurance licenses often required
Work EnvironmentOffice-based, reviewing claims and documentationOffice or field-based, inspecting damages and interviewing claimants
Industry UsageInsurance companies, third-party administratorsInsurance companies, independent agencies
Primary FocusEvaluating liability and coverage for claimsAssessing damages and determining claim payouts

Liability Claims Examiners primarily focus on evaluating the liability aspect of insurance claims, often reviewing documentation and legal considerations. Claims Adjusters, on the other hand, assess damages and determine the appropriate payout. Both roles require similar credentials and work within the insurance industry, but their core responsibilities differ, making them distinct yet related careers.

How much do claims examiners make in the US?

Claims examiners in the US typically earn a median annual salary of around $45,000 to $65,000, depending on experience, location, and employer. Those with specialized skills or certifications may earn higher wages, and the role often involves reviewing insurance claims and assessing liability.

How do I become a claims examiner?

To become a liability claims examiner, candidates typically need a high school diploma or equivalent, with some roles preferring an associate's or bachelor's degree in fields like insurance, business, or related areas. Relevant skills include attention to detail, communication, and knowledge of insurance policies; obtaining certifications such as the Chartered Property Casualty Underwriter (CPCU) can enhance prospects. On-the-job training is common, and familiarity with claims processing software is beneficial.

Is a claims examiner a stressful job?

A claims examiner, particularly in liability claims, can experience stress due to the need to evaluate complex cases accurately and meet deadlines. The role often involves handling sensitive information and making critical decisions, which can contribute to job-related stress, especially during high workload periods or when dealing with difficult claimants. However, stress levels vary depending on the work environment and individual coping skills.
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Liability Claims Examiner jobs near you
Infographic showing various Liability Claims Examiner job openings in the United States as of July 2026, with employment types broken down into 91% Full Time, 7% Part Time, and 2% Contract. Highlights an 86% Physical, 4% Hybrid, and 10% Remote job distribution.
Liability Claims Examiner

Liability Claims Examiner

Vanguard Claims Administration

Woodbury, NJ • On-site

Full-time

Re-posted 10 days ago

Job description

We currently have an opening for a Liability Claims Examiner. The role of Vanguard’s Liability Examiner is to investigate and evaluate insurance claims, determining liability, handling construction defect and managing the claims process, often including litigation and settlement negotiations, to ensure timely and cost-effective resolutions for our clients.

Job Requirements:

  • Handling liability and construction defect claims from inception until completion; reviewing liability claims, litigated by counsel or insurance adjuster managed; maintaining a point person role reporting to the proper client and ensuring all time lines are properly followed; resolving claims by denial, settlement or referral to another insurance company.
  • Performs complete liability, coverage and bodily injury investigations. Reviews and evaluates claim based on evidence obtained to determine responsible parties, liability exposure, questions of fraud or other pertinent issues.
  • Claims in Construction Defects are often involved and require contract analysis, managing litigation/arbitration with numerous defendants and coverage issues that may involve multiple policy years, varied insurers and types of insurance coverage specific to the construction trades industry.
  • Reads, analyzes and interprets insurance policies and endorsements, applicable state and local statutes, case law and applies to claim situations
  • Orders bills and reports from medical providers of injured parties, obtain police/ambulance/fire reports, medical histories and ISO reports to determine facts and prior accident information
  • Prepares and maintains file documentation, communicates with insureds, claimants or attorneys regarding progress of claim. Negotiate settlements of claims with insureds, claimants and others up to authority limits
  • Draft reports to clients with recommendations for claim disposition
  • Attend Mediations/Arbitrations/Trials as necessary
  • Manage legal expenses, reserves and financial transactions
  • SOC 2 Compliance Responsibilities
    • Handle all claimant, policyholder, client, and company information in accordance with SOC 2 security, confidentiality, and data integrity standards.
    • Ensure sensitive data is stored, transmitted, and processed securely, following company policies and procedures.
    • Maintain accuracy and completeness of information in all systems, reports, and documentation.
    • Promptly report any actual or suspected security incidents, policy violations, or data handling concerns to management.
    • Participate in training and awareness initiatives to stay current on SOC 2 requirements and best practices.
    • Support audit readiness by providing documentation, evidence, or explanations of compliance activities when requested.
  • Performs additional responsibilities as needed to support business operations and compliance objectives.

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