General Liability Adjuster

About Reserv

Reserv is an insurtech creating and incubating cutting-edge AI and automation technology to bring efficiency and simplicity to claims. Founded by insurtech veterans with deep experience in SaaS and digital claims, Reserv is venture-backed by Bain Capital and Altai Ventures and began operations in May 2022. We are focused on automating highly manual tasks to tackle long-standing problems in claims and set a new standard for TPAs, insurance technology providers, and adjusters alike.

We have ambitious (but attainable!) goals and need people who can work in an evolving environment. If building a leading TPA and the prospect of tackling the long-standing challenges of the claims role sounds exciting, we can’t wait to meet you.

Location

Candidates must reside in an eligible U.S. state throughout employment. We are unable to hire candidates residing in California, Alaska, Hawaii, U.S. territories, or outside the United States.

About the role

Come join an amazing and collaborative team! We are seeking a highly organized and customer-focused General Liability Adjuster to join our team. The successful candidate will be responsible for speaking to customers on the phone, educating and helping the customer work through their claim to the best possible outcome. Your role will also be responsible for handling an inventory of claims, triaging critical claims, and delivering service to all constituents of the claim. General Liability claims consist of Premise, Habitational, Risk Transfer, Construction, and more. You will be an expert in these areas and have experience with complex injuries. This role is 100% remote!

Who you are

• You are motivated and growth-oriented. You're excited by the prospect of building a tech-driven claims org.
• Passionate adjuster who cares about the customer and their experience.
• You exercise empathy and patience towards everyone you interact with.
• Sense of urgency - at all times. That does not mean working at all hours.
• Creativity is in you! You can find the right exit ramp (pun intended) for the resolution of the claim that is in the insured’s best interest.
• Conflict-enjoyer. Conflict does not have to be adversarial, but it HAS to be conversational.
• Are you curious? You have to want to know the whole story so you can make the right decisions early and action them to a prompt resolution.
• Anti-status quo. You don’t just wish things were done differently, you action on it.
• Communicative. (we'd love to know what this means to you)
• And did we mention, you have a sense of humor? Claims are hard enough as it is!
• You are collaborative and a team player. 
• You have a strong understanding of premise, Habitational, Risk Transfer, and other general liability including policy interpretation.

What you'll do

• You will handle all aspects of General Liability claims not limited to but including Slip and Falls, Habitational, Risk Transfer, Construction, and more. Provide prompt, courteous and high-quality customer service to all policyholders and claimants by answering customer calls, filing claims, and resolving customer requests.
• Gather necessary information from customers to initiate the claim and explain policy, coverage, and appropriate course of action.
• Manage an inventory of claims, analyze coverage and identify any potential coverage issues.
• Establish initial reserves for all potential exposures, and adjust as appropriate throughout the claim.
• Ensure compliance with specific state regulations, policy provisions, and standard operating procedures.
• Communicate with involved parties and negotiate appropriate settlements with claimants, insureds, and attorneys within approved payment authority.
• Provide input for continuous development of claims guidelines, best practices, and process improvements.
• Oversee and direct outside investigative service providers, client counsel and investigative services to resolve the claim while closely with the client. 
• Engage in learning opportunities to build knowledge of personal lines claims, court decisions impacting the claims function, current guidelines in claims function, and policy changes and modifications.

Qualifications

• Active adjuster license required: resident state license if available, otherwise a Designated Home State (DHS) license.
• Minimum of 3-5 years of experience ideally with;
• • GL - General Liability (Premise, Habitational, Auto, Garagekeepers, BOP’s, Dwelling)
  • Construction Liability.
  • Employers Liability.
  • Liquor Liability/Dram Shop.
  • Complex claims involving litigation. 
  • Policy interpretation. Drafting Reservation of Rights letters, coverage declinations. 
  • Third-party bodily injury.
  • Third-party litigated bodily injury/property damage.
• Active adjuster license: resident-state license where available, otherwise a Designated Home State (DHS) license. Willing to obtain any additional required licenses within 60 days, including state testing.
• Knowledge of state regulations, policy provisions, and standard operating procedures.
• Ability to analyze and evaluate complex data and make sound decisions based on established guidelines, policies, and procedures.
• Curious and motivated by problem solving and questioning the status quo.
• Desire to engage in learning opportunities and continuous professional development.
• Ability to collaborate with colleagues within and outside your department.
• Willingness to travel for client and claims needs.
• Bachelor's degree. JD, Professional insurance designations preferred.

Benefits

• Generous health-insurance package with nationwide coverage, vision, & dental
• 401(k) retirement plan with employer matching
• Competitive PTO policy – we want our employees fresh, healthy, happy, and energized!
• Generous family leave policy after 8 months of continuous work
• 100% remote (home-based) role designed to support your work-life balance
• Apple laptop, large second monitor, and other quality-of-life equipment you may want. Technology is something that should make your life easier, not harder!

Additionally, we will

• Listen to your feedback to enhance and improve upon the long-standing challenges of an adjuster and the claims role
• Work toward reducing and eliminating all the administrative work from an adjuster role
• Foster a culture of empathy, transparency, and empowerment in a remote-first environment

At Reserv, we value diversity in backgrounds, perspectives, and life experiences and believe that diversity in viewpoints and critical thinking drives innovation, first-principles thinking, and success. We welcome applicants from all backgrounds and encourage those from all walks of life to apply. If you believe you are a good fit for this role, we would love to hear from you!