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Public Insurance Adjuster Jobs in Colorado (NOW HIRING)

Claims Adjuster

Denver, CO · On-site

$85K/yr

Network Adjusters is seeking skilled insurance claims adjusters with experience in General Liability, Professional Liability, or Employment & Public Officials Liability for a third-party claims ...

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Public Insurance Adjuster information

See Colorado salary details

$20.5K

$78.5K

$116.2K

How much do public insurance adjuster jobs pay per year?

As of Aug 28, 2026, the average yearly pay for public insurance adjuster in Colorado is $78,527.00, according to ZipRecruiter salary data. Most workers in this role earn between $50,500.00 and $105,200.00 per year, depending on experience, location, and employer.

What is a public insurance adjuster?

Public insurance adjusters are licensed professionals who help policyholders navigate the process of filing and settling insurance claims. Unlike company adjusters, who represent the insurance company, public adjusters work on behalf of the policyholder to ensure they receive a fair settlement. They assess damages, prepare claim documentation, and negotiate with insurers to maximize the payout. Public insurance adjusters typically charge a fee based on a percentage of the settlement. Hiring a public adjuster can be especially beneficial for large or complex claims.

What are the key skills and qualifications needed to thrive as a public insurance adjuster?

To thrive as a Public Insurance Adjuster, you need strong analytical skills, knowledge of insurance policies, and often a state-specific license or certification. Familiarity with claims management software, estimating tools like Xactimate, and digital documentation systems is typically required. Exceptional negotiation, interpersonal communication, and attention to detail help build trust with clients and effectively resolve claims. These skills are essential for accurately representing policyholders’ interests and ensuring fair claim settlements in a complex regulatory environment.

What are some common challenges faced by public insurance adjusters during the claims process?

Public insurance adjusters often encounter challenges such as negotiating with insurance companies, managing complex documentation, and ensuring clients understand the claims process. They must meticulously evaluate property damage, prepare detailed reports, and advocate for fair settlements, which can involve navigating disagreements or delays from insurers. Additionally, adjusters need strong communication and organizational skills to balance multiple cases while maintaining client trust and satisfaction throughout the claims process.

What is the difference between Public Insurance Adjuster vs Independent Insurance Adjuster?

AspectPublic Insurance AdjusterIndependent Insurance Adjuster
CredentialsLicensing required in most states, insurance knowledgeLicensing varies, often requires insurance or claims knowledge
Work EnvironmentWorks on behalf of policyholders, often in offices or on-siteWorks for insurance companies or as freelancers, on-site inspections
Employer & Industry UseHired by policyholders to negotiate claimsEmployed by insurance companies or as independent contractors
Search & Comparison IntentPublic Insurance Adjuster vs Independent Insurance Adjuster

The main difference between a Public Insurance Adjuster and an Independent Insurance Adjuster lies in whom they represent. Public Adjusters advocate for policyholders during claims, while Independent Adjusters typically work for insurance companies or as contractors. Both roles require licensing and insurance knowledge, but their work environment and employer relationships differ significantly.

Is hiring a public insurance adjuster a good idea?

Hiring a public insurance adjuster can be beneficial for policyholders who need assistance navigating complex insurance claims, as they advocate for the insured's interests and help maximize claim settlements. They typically have expertise in insurance policies, claim procedures, and may hold relevant certifications. However, their fees are usually a percentage of the settlement, so it is important to weigh the potential benefits against the costs.

What does a public insurance adjuster get paid?

Public insurance adjusters typically earn a fee based on a percentage of the insurance claim settlement, commonly ranging from 5% to 15%. Their income depends on the size of claims they handle and their experience, with some earning a substantial income for complex or large claims. They often work on a contingency basis and may need licensing and certification to practice legally.
Infographic showing various Public Insurance Adjuster job openings in Colorado as of August 2026, with employment types broken down into 91% Full Time, and 9% Contract. Highlights an 82% In-person, and 18% Remote job distribution, with an average salary of $78,527 per year, or $37.8 per hour.

$85K/yr

Other

Medical, Dental, Vision, Life, Retirement, PTO

Re-posted 5 days ago


Job description

Network Adjusters is seeking skilled insurance claims adjusters with experience in General Liability, Professional Liability, or Employment & Public Officials Liability for a third-party claims adjuster position. As a claims adjuster you will investigate, evaluate, determine liability, negotiate, and settle assigned multi-line commercial claims in accordance with Network Adjusters' Best Practices. This position provides quality claim handling and exceptional customer service throughout the entire claims process while engaging in indemnity, expense & diary management.


CLAIMS ADJUSTER JOB DESCRIPTION:

Handle primarily third-party liability damage insurance claims with varying degrees of complexity and severity under General Liability, Professional Liability, and Employment Liability & Public Officials Liability coverages. This includes but is not limited to, third party property damage, bodily injuries, wrongful employment practices, wrongful acts, and professional liability claims handling.


CLAIMS ADJUSTER RESPONSIBILITES:

  • Provide superior customer service to meet the needs of the insured, claimant, all internal and external customers, including carrier clients.
  • Fulfill specific client requirements including reporting of claim details and analysis.
  • Review and analyze coverage and apply policy conditions, provisions, exclusions and endorsements.
  • Recognize and apply jurisdictional issues that impact the claim (i.e.: negligence laws, financial responsibility limits, immunity, etc.)
  • Investigate facts to establish negligence, determine liability, other sources of recovery as appropriate by contacting and interviewing appropriate parties.
  • Manage liability and other claim types requiring specialized investigation and utilization of external experts in accordance with local laws.
  • Establish and maintain appropriate claim and expense reserves in a timely fashion.
  • Develop and continually update a plan of action for file resolution including maintaining an effective diary.
  • Document claim file activities in accordance with established procedures.
  • Write denial letters, reservation of rights, tenders and other routine and complex correspondence to insureds and claimants.
  • Confer with higher level technical claim personnel for guidance and direction to ensure files are handled properly.
  • Determine settlement amounts based on independent judgment, application of applicable limits and deductibles.
  • Negotiate settlements within authority limits.
  • Identify subrogation opportunities.
  • Meet all quality standards and expectations based on Best Practices.
  • Assure compliance with state specific regulations.
  • Effectively manage multiple competing priorities to ensure timely payment, follow-up and claim resolution.


CLAIMS ADJUSTER QUALIFICATIONS:

  • College/Technical degree or equivalent business experience.
  • Minimum of 3 years of claims handling experience in either General Liability, Professional Liability, Employment Liability or Public Officials Liability.
  • Obtain Adjusters licenses as required to meet business need.
  • Complete continuing education to maintain licenses.
  • Strong verbal and written communication skills.
  • General software skills including MS Word, Outlook and Excel.
  • Customer service and empathy skills.
  • Solid analytical and decision-making skills in order to evaluate claims and make sound decisions.
  • Excellent negotiation skills and ability to effectively handle conflict.
  • Strong organization and time management skills.
  • Ability to multi-task and adapt to a changing environment.
  • Attention to detail, ensuring accuracy.
  • Strong investigative skills and creativity to achieve optimal results.
  • Ability to maintain confidentiality.
  • Knowledge of Security Industry and/or Elevator Industry is beneficial.


CLAIMS ADJUSTER BENEFITS:

  • Training/Development and growth opportunities
  • 401(k) with company match / retirement planning
  • Paid time off / company paid holidays
  • Comprehensive health plans including dental and vision coverage
  • Flex spending account
  • Company paid life insurance
  • Company paid long term disability
  • Supplemental life insurance
  • Opportunity to buy into short term disability
  • Strong work/family and employee assistance programs


We have openings in Farmingdale, New York and Denver, Colorado. Remote work may be available for experienced candidates who meet the required criteria.


The starting salary for this position is $85,000 and up, depending on factors such as licensure, certifications, and relevant experience. Become a part of a dynamic, energetic workforce in which you can make a difference. We are committed to encouraging your professional growth through a variety of training and development opportunities.


Founded in 1958, Network Adjusters has built a reputation as a leading provider of insurance claims administration and independent adjusting services. Serving the insurance industry for almost seven decades, Network Adjusters, Inc. brings together the best elements of third-party claims administration and independent adjusting services. From our primary offices in New York and Denver to our national network of experts, our superior experience and ongoing training are the keys to successfully managing our clients claims and handling specialized insurance needs. All of our Claim Directors have extensive backgrounds working with major insurance carriers, giving us a thorough understanding of factors critical claims handling. It all adds up to measurable results—the proof is in our extensive track record of settled claims and unmatched recovery abilities.