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Claims Subrogation Specialist

Location: Murray, Utah

Work Arrangement: In-Office

Job Type: Full Time

About the Role

We're looking for a Claims Subrogation Specialist to join Bear River Mutual Insurance. As a Claims Subrogation Specialist, you'll support our claims department by investigating, evaluating, negotiating, and resolving first- and third-party subrogation claims. You'll help pursue recoveries, control costs, and support timely, accurate claim outcomes for our policyholders and business partners.

You'll manage an active caseload involving auto and homeowners claims, evaluate recovery opportunities, communicate with insureds, vendors, counsel, and other insurance carriers, and maintain thorough documentation throughout the claim process.

This role is a strong entry point for someone looking to begin a career in claims, while also offering meaningful opportunities for experienced candidates. More experienced applicants may have opportunities to file, respond to, and hear inter-company arbitrations, as well as collaborate with inside and outside counsel to pursue subrogation through legal means.

This position is based in Murray, Utah. At Bear River Mutual, we value in-person collaboration and believe some of our best work happens when we are working together, building relationships, and learning from one another.

What You'll Be Responsible For

• Identify, evaluate, and interpret subrogation potential using sound judgment and claims knowledge.
• Manage subrogation and arbitration for personal auto property damage claims, including coverage verification, liability assessment, demand preparation, negotiation, and recovery activities.
• Collaborate with customers, insurance carriers, vendors, counsel, and internal teams to resolve multi-party property damage claims.
• Coordinate with frontline claims staff and leadership to support smooth handoffs, timely responses, and reduced arbitration or litigation risk.
• Pursue recovery from tort carriers, arbitrate when necessary, and maintain thorough documentation, detailed file notes, and supporting evidence.
• Track key performance indicators, including cycle time, recovery rate, and reserve accuracy, and communicate status updates, risks, and next steps to stakeholders.
• Initiate outbound and respond to inbound communications with insureds, vendors, counsel, and other insurance carriers.
• Print, prepare, and mail official correspondence related to recovery efforts.
• File new claim reports received through inbound demands for claims that have not yet been reported.
• Assist the total loss department with administrative paperwork and telephone communications.
• Contribute to special projects and other tasks as assigned.

Success in This Role

In this role, you'll:

• Support effective claim recoveries while helping control costs for the organization.
• Manage multiple claims, tasks, communications, and deadlines with accuracy and follow-through.
• Use critical thinking and sound judgment to evaluate facts, liability, coverage, and recovery opportunities.
• Communicate professionally and clearly with policyholders, carriers, vendors, counsel, and internal team members.
• Build strong working relationships across the claims department and with external business partners.
• Maintain organized, accurate documentation that supports timely and effective claim resolution.
• Contribute to a culture of collaboration, accountability, service, and continuous improvement.

About You

• You Put People First: You treat others with dignity and respect, build positive relationships, and communicate with professionalism and empathy.
• You Stay Connected: You collaborate effectively, share information openly, and recognize the value of working together toward common goals.
• You Are Accountable: You take ownership of your caseload, exercise sound judgment, and follow through on commitments. You can be counted on to do what you say you'll do.
• You Deliver Service: You understand that your work supports our policyholders, business partners, and employees by helping claims move toward timely and fair resolution.
• You Value Relationships: You build trust by listening carefully, communicating clearly, and working constructively with customers, carriers, vendors, counsel, and colleagues.
• You Care About Quality: You take pride in producing accurate, thorough work and understand that strong documentation and attention to detail lead to better outcomes.
• You Balance Urgency with Judgment: You know when to move quickly and when to slow down, review the facts, and make thoughtful decisions.
• You Embrace Continuous Improvement: You are open to feedback, willing to learn, and interested in improving processes, outcomes, and your own claims knowledge.
• You Are Adaptable: You remain flexible as priorities shift, new information becomes available, or claim circumstances change.
• You Balance Experience with Curiosity: Whether you're bringing prior claims experience or building new expertise, you're committed to learning, growing, and contributing to the team.

Qualifications

Required Qualifications

• High school diploma or equivalent.
• Experience working in a dynamic, fast-paced environment.
• Exceptional communication, negotiation, and organizational skills.
• Strong critical thinking and problem-solving capabilities.
• Self-motivated with the ability to work independently and exercise sound judgment.
• Familiarity with professional office environments.
• Proficiency with Windows-based computer systems.

Preferred Qualifications

• Bilingual proficiency in English and Spanish.
• Bachelor's degree or advanced degree.
• Experience in call center/customer service, claims, collections, recovery, liability assessment, arbitration, or related work.

What We Offer

• Competitive compensation with opportunities to participate in our performance-based bonus and profit-sharing programs
• Comprehensive medical, dental, and vision coverage, plus employer-funded Health Savings Account (HSA) contributions for eligible medical plans
• Company-paid life insurance and long-term disability coverage
• A 401(k) with company match and a company-sponsored pension plan to help support your long-term financial goals
• Generous paid time off, company-paid holidays, and a floating holiday to support work-life balance
• Education reimbursement for approved programs to support your professional growth
• Employee discounts on Bear River Mutual personal insurance products
• The opportunity to work with talented, dedicated professionals who are committed to serving our policyholders and supporting one another
• A collaborative environment built on our core values of People First, Connected, Accountable, and Service
• The stability and strength of an organization that has proudly served Utah families for more than a century

Ready to Join Us?

If you're looking for meaningful work, enjoy solving problems, and want to build or grow a career in claims with an organization that has a strong legacy and a bright future, we'd love to hear from you.

Why Bear River Mutual?

Established in 1909, Bear River Mutual is Utah's oldest and largest personal lines property and casualty insurer.

As a mutual insurance company, we're owned by our policyholders, not shareholders. That means we make decisions with a long-term perspective, always focused on serving our members, supporting our employees, and strengthening the communities we serve.

With fewer than 200 employees, every team member has the opportunity to make a meaningful impact. Here, your work is visible, your ideas matter, and your contributions help shape the future of our organization.

Our Values

Our values guide how we work, how we serve others, and how we make decisions every day.

• People First: We treat every person with dignity and respect. We listen, communicate openly, and approach every interaction with professionalism, empathy, and care.
• Connected: We work as one team. We collaborate across departments, share information openly, and recognize that our collective success is greater than any individual achievement.
• Accountable: We do what we say we'll do. We take ownership of our work, act with integrity, and make thoughtful decisions that support our members, agents, and colleagues.
• Service: We care for people. We strive to provide prompt, dependable support and create positive experiences in every interaction.