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Zurich Insurance

Global insurer providing property, casualty, life

Claims Specialist - Personal Auto Lines

Claims AdjudicationUpdated on Nov 14
Full-time$60k - $70kHybrid

About the Job

Requirements

  • A university degree and at least two years of experience in claims or insurance; or completion of Zurich’s certified apprenticeship program, an associate degree, and at least two years of claims or insurance experience; or a high school diploma or equivalent and at least four years of claims or insurance experience; or completion of Zurich’s claims training program and at least one year of claims or insurance experience.
  • Experience with Microsoft Office.
  • Knowledge of insurance regulations, markets, and products.
  • Prior experience handling auto claims, insurance claims, or related customer service, with an understanding of auto insurance policies, coverage, and regulations.

Responsibilities

  • Document claims files by accurately capturing and updating data and information according to best practices for low- to medium-exposure and complexity personal-lines claims.
  • Determine liability by gathering and analyzing relevant facts, applying applicable law, and establishing basic negligence principles.
  • Verify policies and determine coverage by analyzing applicable coverages and deciding whether the loss is covered.
  • Work toward timely claim resolution by developing a file-handling strategy and case assessment, and escalating issues when necessary.
  • Set timely reserves and review them throughout the claims cycle within assigned authority by estimating and validating claim values.
  • Evaluate damages by calculating applicable damages or the range of damages permitted by law.
  • Negotiate claim settlements by establishing an appropriate negotiation strategy and using available tools and resources within assigned authority.
  • Meet quality standards by following best practices.
  • Provide customer service by proactively communicating information, responding to inquiries, following customer protocols, and potentially participating in customer marketing efforts.
  • Manage expenses by using approved vendor networks and managing work assigned to external contractors; depart from approved vendors with manager approval when it is in the insured’s interest.
  • Ensure legal compliance by following provincial and federal laws and regulations and internal control requirements.
  • Refer claims to subrogation and fraud teams by identifying potential subrogation and fraud cases.
  • Contribute to profitable growth by providing risk information and trends to the business unit or client as needed.
  • Protect Zurich’s reputation by keeping claims information confidential.
  • Maintain professional and technical knowledge by participating in training opportunities, staying informed about industry trends, networking, and participating in professional societies.

Desired Qualifications

  • At least two years of experience handling personal auto-lines claims.
  • Strong oral and written communication skills.
  • Advanced analytical and problem-solving skills.
  • Effective time management and ability to handle multiple tasks simultaneously.
  • Collaborative team orientation and experience working cross-functionally.
  • Ability to explain complex financial or actuarial concepts.
  • Ability to assess scope and exposure for claims of moderate complexity.
  • Understanding of indemnity and expense reserving processes.
  • Ability to develop and execute negotiation strategies.
  • Ability to recognize nuances in interactions with customers and stakeholders.
  • Ability to present clear claim-resolution recommendations to stakeholders.
  • French fluency is required for Montréal candidates and is an asset for Waterloo candidates.
  • For Montréal candidates, oral and written English fluency is required to facilitate communication with internal and external stakeholders outside Quebec.

About the Company

Zurich Insurance

Global insurer providing property, casualty, life

Zurich Insurance Group provides global multi-line insurance for individuals, families, small and mid-sized businesses, public entities, and multinational corporations in more than 200 countries. Its Property & Casualty arm covers personal lines like car and home, plus a wide range of commercial coverages (property, casualty, motor fleet, marine, construction, energy, financial lines, international programs); its Life business offers protection, savings, retirement, and unit-linked products. The Farmers Group manages Farmers Exchanges in the United States. The company also provides risk engineering and prevention services to help customers reduce risk and build climate resilience, with products sold through agents, brokers, bank partners, and direct channels. Its goal is to provide financial protection and risk management solutions that help customers manage uncertainty and build resilience over the long term.

Company size
10,001+
Company stage
IPO
Headquarters
Zurich, Switzerland
Founded
1872

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