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Liability Claims Examiner Jobs (NOW HIRING)

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 ...

... Claims Examiner - Liability PRIMARY PURPOSE :To analyze complex or technically difficult general liability claims to determine benefits due; to work with high exposure claims involving litigation and ...

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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.

How to become a liability claims examiner?

To become a liability claims examiner, candidates typically need a bachelor's degree in fields like insurance, business, or law. Relevant skills include attention to detail, communication, and knowledge of insurance policies; obtaining industry certifications such as the Chartered Property Casualty Underwriter (CPCU) can enhance prospects. Gaining experience through internships or entry-level claims roles is also beneficial.

How much do liability claims examiners make in the US?

Liability claims examiners in the US typically earn a median annual salary of around $50,000 to $70,000, depending on experience, location, and employer. Entry-level positions may start lower, while experienced examiners or those with specialized skills can earn higher wages, often supplemented with benefits and opportunities for advancement.

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?

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.

More about Liability Claims Examiner jobs
Infographic showing various Liability Claims Examiner job openings in the United States as of August 2026, with employment types broken down into 1% As Needed, 70% Full Time, 10% Part Time, and 19% Contract. Highlights an 94% Physical, 3% Hybrid, and 3% Remote job distribution.

Senior Claims Examiner

Lowe's

Mooresville, NC

Full-time

Re-posted 11 days ago


Lowe's rating

6.8

Company rating: 6.8 out of 10

Lowe's

Based on 5,242 frontline employees who took The Breakroom Quiz

6.2

Company rating compared to similar companies: 6.2 out of 10

National retailers average

Based on 96,181 frontline employees who took The Breakroom Quiz

The best things about working at Lowe's

  • 91%

    91% say they get paid time off

    say they get paid time off

  • 80%

    80% say their health insurance is affordable

    say their health insurance is affordable

  • 75%

    75% say they have respectful managers

    say they have respectful managers

Featured by Lowe's, based on 5242 Breakroom Quiz responses from their frontline employees


Job description


Do your Best Work in Mooresville
This position is based at our headquarters in Mooresville, North Carolina. Our corporate office is a space where you can collaborate and do your best work. Take a walk, grab a bite (or a cup of coffee), work out or get a check-up – we invest in you so you can find your inspiration.
Your Impact
The primary purpose of this role is to investigate, evaluate and resolve complex personal injury, product liability and property damage general liability claims against Lowe's and/or its subsidiaries in a manner consistent with the Lowe's objectives and values. This position is responsible for gathering appropriate information, evaluating alleged damages, determining liability and compensability, negotiating settlements, and reporting obtained information.
What You Will Do
Investigates, evaluates and resolves complex personal injury, product liability, and property damage general liability claims against the Company and/or its subsidiaries in a manner consistent with the Company's objectives and values
Gathers appropriate information, evaluates alleged damages, determining liability and compensability and negotiating settlements and reporting obtained information
Collaborates with other claims examiners on a team, focusing on bodily injury or property damage in a particular jurisdiction, acting as a leader for the team of Claims Examiners by integrating Lowe's culture, team training, and jurisdiction-specific training into the on-boarding process
Conducts investigations of claims by interviewing claimants and witnesses, obtaining official reports, and by comparing claim information with evidence
Serves as an escalation point for Claims Examiners on issues that cannot be satisfactorily resolved by the Claims Examiner, this position investigates complaints made by customers or stores against claims examiners
Maintains a functional knowledge of the relevant laws and legal principles in order to resolve claims
Works consistently with Store Operations, Human Resources, and Loss Prevention to resolve claims in a timely and efficient manner while maintaining adequate production s and while fulfilling reasonable customer service expectations
Prepares reports by collecting and summarizing information as required
Settles claims within his/her authority and in an appropriate manner consistent with Lowe's objectives and values by determining liability, by obtaining demands and making offers to claimants, requesting settlement checks, making filings with regulatory agencies, and disposing of salvage, pursuing subrogation when appropriate
Controls claim costs, provides excellent customer service and resolves complaints to the satisfaction of the customer
Complies with federal and state regulations and service standards
Minimum Qualifications
High school diploma or GED or equivalent years of experience in lieu of education requirement, if applicable
6 Years Experience as a Claims Examiner or materially relevant knowledge, skills and abilities from other professions (e.g., loss prevention, customer service, investigative experience, legal experience, property estimating experience)
Preferred Skills/Education
Lowe's finance or accounting experience
Relevant professional licenses and/or certifications, including a North Carolina insurance adjuster license
About Lowe's
Lowe's Companies, Inc. (NYSE: LOW) is a FORTUNE® 100 home improvement company with total fiscal 2025 sales of more than $86 billion. Lowe's employs approximately 300,000 associates and operates over 1,750 home improvement stores, 540 branches and 120 distribution centers. Based in Mooresville, N.C., Lowe's supports the communities it serves through programs focused on creating safe, affordable housing, improving community spaces, helping to develop the next generation of skilled trade experts and providing disaster relief to communities in need. For more information, visit 
Lowes.com
.  
Lowe's is an equal opportunity employer and administers all personnel practices without regard to race, color, religious creed, sex, gender, age, ancestry, national origin, mental or physical disability or medical condition, sexual orientation, gender identity or expression, marital status, military or veteran status, genetic information, or any other category protected under federal, state, or local law.
Starting rate of pay may vary based on factors including, but not limited to, position offered, location, education, training, and/or experience. For information regarding our benefit programs and eligibility, please visit https://talent.lowes.com/us/en/benefits.

Working at Lowe's

Perks for frontline workers

From Lowe's, via Breakroom

  • Bonus opportunities

  • Tuition-free education assistance

  • Flexible scheduling options

  • 401(K) with up to 4.25% company match

  • Up to 10 weeks of paid maternity leave & 4 weeks of paid parental leave

  • Paid time off

  • Access to comprehensive healthcare options

  • Employee stock purchase plan

What to expect from working at Lowe's

From Lowe's

About Lowe's, in their own words

From Lowe's

Since 1921, home improvers of all stripes have relied on us to have the products and services they need. Our commitment to our customers drives every decision we make, from the products on our shelves to developing a more sustainable supply chain and robust philanthropy. We set the standard for corporate responsibility and thoughtful customer service in home improvement retail.

Walk into any of our stores, distribution centers, or offices, and you'll find a driven team of collaborators, builders, and visionaries. As an associate, you will be empowered to learn and grow in your career. From solving customer problems to providing disaster relief, your hard work will help us build a solid foundation for the success of future generations.

Company values

From Lowe's

Our Core Behaviors:

  • Focus on Customers
  • Deliver Results
  • Take Action
  • Show Courage
  • Continue Learning

Our Values:

  • Service Minded
  • Collaborative
  • Inclusive
  • Respectful
  • Driven to Win

What Lowe's employees say

Pay

Benefits

Hours and flexibility

Workplace

Get the full story on Breakroom


Lowe's logo

About Lowe's

Sourced by ZipRecruiter

Lowe's Companies, Inc. (NYSE: LOW) is a FORTUNE® 50 home improvement company serving approximately 19 million customer transactions a week in the United States and Canada. With fiscal year 2021 sales of over $96 billion, Lowe's and its related businesses operate or service nearly 2,200 home improvement and hardware stores and employ over 300,000 associates. Based in Mooresville, N.C., Lowe's supports the communities it serves through programs focused on creating safe, affordable housing and helping to develop the next generation of skilled trade experts. For more information, visit Lowes.com.

Industry

Retail

Company size

10,000+ Employees

Headquarters location

Mooresville, NC, US

Year founded

1946