Field Claims Representative
About the job
- A bachelor's degree or direct equivalent experience handling property and casualty claims.
- A minimum of 3 years handling multi-line property and casualty claims with an emphasis on property claims.
- Knowledge of insurance coverage, including insurance policies, endorsements, and forms.
- Above-average written and verbal communication skills.
- Ability to resolve complex issues, organize and interpret data, and handle multiple assignments.
- Ability to effectively deal with a diverse group of individuals.
- Ability to accurately handle mathematical problems involving geometry, financial calculations, sums, unit costs, and personal and business finance documents.
- Ability to drive an automobile, possess a valid driver's license, and maintain a driving record consistent with the Company's underwriting guidelines for coverage.
- Ability to work in the United States without current or future sponsorship.
- Investigate and assemble facts, determine policy coverage, evaluate the amount of loss, and analyze legal liability.
- Handle multiline property and casualty claims in an assigned territory, with an emphasis on property claims.
- Work toward claim resolution and attend arbitrations, mediations, depositions, or trials as necessary.
- Ensure that claim payments are issued in a timely and accurate manner.
- Handle investigations by phone, mail, and on-site investigations.
- Provide service to agents, insureds, and others to ensure claims resolve accurately and timely.
- Field claims handling experience.
- Knowledge of Xactimate software.
About the company
Auto-Owners Insurance is a large insurance provider offering life, home, auto, and business coverage. It works through a network of local, independent agents who sell and service policies for individuals and businesses. Customers receive tailored insurance plans and premiums based on risk, with claims handling and policy management supported by the agency network and the company’s underwriting. The company differentiates itself with a strong, established presence (Fortune 500 since 2002) and a focus on employee and agent partnerships, earning certifications like Great Place To Work and industry service awards. Its goal is to provide dependable insurance products through a stable, agent-driven model while investing in its people and community to deliver reliable protection and service.
Company Size
1,001-5,000
Company Stage
N/A
Total Funding
N/A
Headquarters
Lansing, Michigan
Founded
1916
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Simplify's Take
What believers are saying
- Carpe Data integration since November 2023 speeds small-commercial underwriting and improves risk selection.
- Agency Revolution expands marketing automation to 6,300 agencies, strengthening retention and cross-sell.
- Auto-Owners sold a Worthington building in 2025, signaling capital discipline and portfolio pruning.
What critics are saying
- A former claims manager was charged July 2026 with fraud, damaging trust and controls.
- June 2026 Michigan appeal added $315,605 from an $11,798 bill, exposing litigation leverage.
- Direct writers like Lemonade keep compressing underwriting and service expectations faster than Auto-Owners.
What makes Auto-Owners Insurance unique
- Auto-Owners stays mutual, independent-agent only, and A+ rated by AM Best in 2026.
- Its 6,300-agent distribution creates deep local relationships that national direct writers lack.
- The 2025 Prewitt Group milestone shows unusually sticky agency partnerships across decades.
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Benefits
- 401(k) Retirement Plan
- 401(k) Company Match
- Paid Vacation
- Paid Sick Leave
- Remote Work Options
- Flexible Work Hours