Field Claims Representative
About the job
- For the entry-level role, have a bachelor's degree.
- For the experienced role, have one or more years of claims-handling experience, or equivalent experience in place of a bachelor's degree.
- For the experienced role, be able to completely assess auto, property, and bodily-injury damages.
- Be available and communicative during regular business hours.
- Be able to work unsupervised.
- Have excellent verbal and written communication skills and strong interpersonal skills.
- Have problem-solving, negotiation, organizational, and prioritization skills.
- Follow up with others in a timely manner.
- Have a valid driver's license.
- Reside within the territory surrounding Schaumburg/Lake County, Illinois.
- Complete thorough claim investigations.
- Interview insureds, claimants, and witnesses.
- Consult police and hospital records.
- Evaluate claim facts and policy coverage.
- Inspect property and auto damages and write repair estimates.
- Prepare reports of findings and secure settlements with insureds and claimants.
- Use claims-handling software, a company car, and mobile applications to adjust losses in a paperless environment.
- Provide professional customer service.
- Once eligible, become a certified and active Arbitration Panelist.
- For the experienced role, multi-line claims experience is preferred.
- AINS, AIC, or CPCU designations are preferred.
About the company
Cincinnati Financial provides property and casualty insurance through The Cincinnati Insurance Companies, distributed by independent agents to reach a broad market. It offers personal lines (homeowners, auto, personal liability) and commercial lines (general liability, property, casualty), plus life insurance, disability income, and annuities through Cincinnati Life. The products work by underwriting policies and investing premiums to generate income; customers pay premiums and receive coverage when incidents occur, while the company earns returns on its investment portfolio. The independent-agent distribution and multi-line product mix help it serve individuals and businesses across a wide range of needs, differentiating it from peers that rely on direct sales or narrower lines. The goal is to provide steady protection and financial security to clients while growing through prudent underwriting and investment management.
Company Size
5,001-10,000
Company Stage
IPO
Headquarters
Fairfield, Ohio
Founded
1950
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Simplify's Take
What believers are saying
- First-quarter 2026 net written premiums rose 7% as 108 agencies joined.
- Investment income grew 12% in Q2 2026, lifting record book value to $108.64.
- Pricing discipline sustained 87.8% current accident-year ratio before catastrophes through first-half 2026.
What critics are saying
- Q2 2026 combined ratio hit 100.8% after $61 million higher catastrophe losses.
- California wildfire re-underwriting and Ohio convective storms expose earnings to recurring weather shocks.
- A January 2027 claims chief retirement risks execution during rising severity and social inflation.
What makes Cincinnati Financial unique
- Independent agents and policy-by-policy underwriting create durable local-market distribution power.
- 66 straight annual dividend increases signal conservative capital stewardship and long-term discipline.
- Management doubled net written premiums since 2018 without abandoning underwriting profitability.
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Benefits
- Paid Vacation
- 401(k) Company Match
- Stock Options
- Hybrid Work Options