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Liability Claims Examiner Jobs (NOW HIRING)

... 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.

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 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 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 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.
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, 74% Full Time, 7% Part Time, and 18% Contract. Highlights an 80% Physical, 2% Hybrid, and 18% Remote job distribution.

Claims Examiner or Associate Claims Examiner- Property Claims Oak Brook IL

Oak Brook, IL • On-site


USLI
Insurance Services • 1 - 5K employees

9.1

Company rating: 9.1 out of 10

Based on 5 frontline employees who took The Breakroom Quiz

28th of 314 rated insurance

Great coworkers

Good employer

Good training


$85K - $115K/yr

Full-time

Re-posted 6 days ago


Job description

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Notice: Applicants must be authorized to work for ANY employer in the U.S. We are unable to sponsor or take over sponsorship of an employment visa at this time. However, USLI reserves its right to provide employment-based immigrant visa assistance on a discretionary basis.
Explore USLI's extensive company benefits, perks, and more below! *Not applicable to External Customer Program
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Claims Examiner or Associate Claims Examiner- Property Claims Oak Brook IL Location: Oak Brook, IL Team: Claims Job Type: Claims FT/PT Status: Full Time
Job Title: Claims Examiner or Associate Examiner- Property
Location: Oak Brook, IL
About Us: At USLI, we're not just about insurance - we are committed to making a difference, both internally and externally. Our community is built upon five values: Caring, Attitude, Respect, Empathy and Energy. Our commitment to these values leads us to make better decisions and furthers our true sense of community. By joining our team, you'll be part of a vibrant organization that values innovation, collaboration and growth. Here, you'll have the opportunity to shape the future of insurance and make a meaningful impact.
Your Role: You'll play a critical role in evaluating coverage, liability and damages for each unique claim. You'll collaborate across teams and with external stakeholders to effectively investigate, negotiate and resolve claims.
Position affords five days per month to work remotely.
Key Responsibilities:
  • Coverage review: Confirm coverage by reviewing the first notice of loss and policy details; prepare disclaimers and reservation of rights letters as necessary
  • Thorough investigation: Conduct detailed investigations into claims, including liability and damages assessment, witness interviews, scene inspections and evidence collection
  • Independent adjusters: Retain and provide directions to independent adjusters while managing all aspects of the investigation process
  • Liability analysis: Apply statutory and case law to evaluate liability exposure and ensure joint tortfeasors contribute their fair share
  • Reserve maintenance: Maintain accurate reserves reflecting liability and damages as claims develop
  • File management: Proactively manage claim files, negotiate settlements directly with claimants or attorneys, oversee defense counsel and ensure effective litigation management
  • Reporting: Prepare comprehensive reserve authority requests, reinsurance reports, serious loss reports and coverage position letters
  • Cross-team collaboration: Provide updates and collaborate with underwriting, compliance and actuarial teams to maintain healthy products

What You'll Bring:
  • Problem-solving skills: Analytical and creative problem-solving capabilities with a focus on liability and damage evaluation
  • Communication: Strong oral and written communication skills to effectively interact with all stakeholders
  • Negotiation expertise: Assertive decision-making with effective negotiation and conflict management skills
  • Organization: Strong organizational and time management skills to manage multiple priorities efficiently
  • Technical knowledge: Familiarity with insurance coverage, negligence law and claim evaluation processes

Qualifications:
  • 2+ years of relevant experience for Associate Claims Examiner
  • 7+ years of relevant experience for Claims Examiner
  • Previous experience handling first party property claims as an examiner, adjuster, paralegal, attorney or in other transferable roles
  • Excess liability experience: Experience with excess liability claims is preferred
  • Jurisdiction Knowledge: Multi-jurisdictional knowledge, advanced degrees and/or JD are a plus

Passion and drive can be just as important as experience. If you're excited about this opportunity, we'd love to hear from you!Salary range: Associate Claims Examiner: $65K - $95K; Claims Examiner: $85K - $115K
What We Offer: One of the advantages of working at USLI is the competitive salary and benefits program we offer full-time and eligible part-time employees. Benefits include performance-based triannual bonuses, medical benefits paid at 100% for full-time employees and 80% for eligible part-time employees, a profit-sharing program, free lunch every day while onsite and more than 450 annual personal and professional development courses. Explore more company benefits .
Why USLI? At USLI, we are committed to fostering a vibrant and inclusive community that celebrates the rich diversity of all ethnicities, nationalities, abilities, genders, gender identities, sexual orientations, ages, religions, socioeconomic backgrounds and life experiences. We understand the importance of continuous learning, self-reflection, acknowledging our biases and expanding our perspectives beyond our own. We actively encourage open dialogue on diversity, equity, inclusion and belonging to support a workplace where every individual feels valued, respected and empowered to contribute at their fullest potential. Join us in building a diverse and inclusive environment where our shared values drive us toward excellence.

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About USLI

Sourced by ZipRecruiter

Industry

Insurance services

Company size

1,001 - 5,000 Employees

Headquarters location

Wayne, PA, US

Year founded

1951


What USLI employees say

Pay

Hours and flexibility

Workplace

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