Remote Disaster Risk Management Jobs in Michigan

Job Title: Senior Claims Adjuster - Casualty

Location: Remote In Multiple States/ Hybrid only in Michigan (dependent upon on proximity of office location)

Reports To: Kelly Cumberworth

Employment Type: Full-Time

Job Requisition ID:

Requisition Begin Date: 03/10/2026

Requisition End Date 05/10/2026 (Posting may close earlier if filled or business needs change.)

Help us insure it

Tokio Marine HCC - Public Risk Group,a member of the Tokio Marine group of companies, is a market leader in providing specialized insurance products for municipal entities. We cover counties, cities, townships, villages, police departments, prisons, fire departments and more. We serve the growing insurance and risk management needs of medium and large governmental entities and provide property and casualty insurance coverages in multiple states.

We insure a variety of public entities such as, cities, townships, police and fire departments in over 20 states throughout the Country. Our package policy provides a variety of coverages to support our insureds needs, including Law Enforcement Liability, Public Officials liability, Employment Practices Liability, Commercial General Liability, Property, First and Third-Party Auto, Inland Marine, Equipment Breakdown and more.

Role Overview

We are currently looking for aSenior Claims Adjusterto join ourcasualty/liability team to primarily handle a diverse range of Commercial General Liability and Third-Party Auto Liability claims. These claims include General Liability bodily injury and property damage claims from slip/trip and falls, negligent road signage/design and negligent maintenance of utilities and infrastructure, and Auto Liability bodily injury and property damage claims. This position does not involve first party property damage or auto claims. The work of our claims department is diverse, dynamic, and engaging.

Key Responsibilities

• Review insurance policies to determine coverage.

• Investigate claims by conducting telephone interviews and/or preparing written correspondence with insureds, claimants and witnesses.

• Review police reports, medical records, independent adjuster reports, appraiser reports and more to determine liability and damages.

• Review state and federal laws to determine potential defenses such as governmental immunity.

• Assign and supervise independent adjusters and appraisers for on-site investigations when necessary.

• Assign defense counsel and manage litigation, as necessary.

• Determine and monitor indemnity and expense reserves throughout the life of the claim through resolution/closure in accordance with adjuster authority limits.

• Maintain claim files and documents in accordance with company policy and procedure.

• Seek approval when necessary for coverage and/or liability denials in accordance with company policy.

• Prepare internal large loss reports for executive circulation.

• Prepare loss reports for reinsurers as required by contracts.

• Collaborate with teammates, management, inter-departmental units, agents, insureds and others.

• Attend mediations, settlement conferences and trials as needed.

What You Bring

• Minimum of 5 years of relevant and progressive professional experience in insurance claims.

• Ability to apply broad knowledge of principles, practices, and procedures.

• Excellent written and verbal communications skills with an emphasis on confidentiality, tact, and diplomacy.

• Exceptional organizational and analytical skills; demonstrate ability to manage multiple tasks simultaneously.

• Knowledgeable of industry changes, legal updates, and technical developments related to applicable area of the Company's business to proactively respond to changing business environment.

• Intermediate proficiency and experience using Microsoft Office package (Excel, PowerPoint, Word).

• Adjuster's license required.

What We Offer

• Competitive salary and comprehensive benefit package

• Strong learning culture with ongoing development opportunities

• Opportunities for growth and career advancement

• Comprehensive medical, vision, and dental coverage, with eligibility beginning on your first day of employment

• Basic life and disability insurance

• 401(k) plan with 6% company match

• 20 days of PTO and two floating holidays (prorated)

• Approximately 11 paid holidays and volunteer time off

• Paid parental leave

• Access to our award-winning wellness program, including mental health services, fitness network membership, and a complimentary Headspace subscription

• Student loan matching program

• Employee discount program

• An opportunity to do meaningful work and love what you do

Disclaimer

You do not need to disclose your criminal history or participate in a background check until a conditional job offer is made to you. After making a conditional offer and running a background check, if the Company is concerned about a conviction that is directly related to the job, you will be given the chance to explain the circumstances surrounding the conviction or challenge the accuracy of the background report. The Company will consider for employment all qualified applicants, including those with criminal histories, in a manner consistent with the requirements of applicable federal, state and local laws, such as the Violent Crime Control and Law Enforcement Act of 1994 (18 USC 1033(e))(the "VCCLEA"), which restricts financial institutions and insurers such as TMHCC from employing individuals with certain types of criminal convictions. Where the hiring and employment of individuals is not restricted by the foregoing, the Company will consider qualified applicants with arrest or conviction history in compliance with applicable law such as the California Fair Chance Act, the Los Angeles Fair Chance Initiative for Hiring Ordinance, the Los Angeles County Fair Chance Ordinance, the San Diego Fair Chance Ordinance, and the San Francisco Fair Chance Ordinance.]

About Us

Tokio Marine HCC is a global industry-leading specialty insurance group, backed by the strength and stability of the Tokio Marine Group. Offering over 100 classes of specialty insurance, we empower clients to pursue opportunities confidently through our "Mind Over Risk" philosophy. More than an insurance company, we are an organization built on innovation, unity, and trust.

At our core, we are Always Advancing, driven by innovation and an entrepreneurial spirit that keeps us moving forward. Our people are Experts in Tomorrow, using curiosity and smart working to anticipate what's next. With a culture rooted in Reaching Out, we foster genuine collaboration and support, ensuring every individual has the opportunity to succeed and make a difference.

Applying our Mind Over Risk philosophy to writing insurance allows our customers to take on opportunity with confidence. That philosophy defines our way of thinking, unites us as a team, and differentiates us from our competitors. We are much more than just an insurance company; we are a good company.

Equal Opportunity Employer

TMHCC is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to age, ancestry, citizenship, color, family or medical care leave, gender identity, genetic information, marital status, medical condition, national origin, physical or mental disability, protected veteran or military status, race, ethnicity, religion, sex (including pregnancy), sexual orientation, or any other characteristic protected by applicable local laws, regulations and ordinances.

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