Full-Time
Claims Representative
Federated Insurance
1,001-5,000 employees
Mutual insurer of property, casualty, life
Compensation Overview
$63.8k - $78k/yr
No H1B Sponsorship
Rancho Cordova, CA, USA
In Person
Bachelor's
 Customer Experience & Support (1) |
|---|
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- Currently pursuing or have obtained a four-year degree.
- Experience in a customer service role in industries such as retail, hospitality, logistics, banking, equipment dealerships, equipment rental, sales, or similar fields.
- Ability to make confident decisions based on available information.
- Strong analytical, computer, and time management skills.
- Excellent written and verbal communication skills.
- Work with policyholders, attorneys, and others to resolve claims in a prompt, fair, and courteous way.
- Explain policy coverage to policyholders and third parties.
- Complete thorough investigations and document facts relating to claims.
- Resolve claims, which may include paying, settling, or denying claims, defending policyholders in court, compromising, or recovering outstanding dollars.
- Leadership experience.
Federated Insurance provides property, casualty, and life insurance services for businesses and farmers in the United States. Its products include tailored coverage options, risk management services, and ongoing support to help policyholders protect assets and ensure business continuity. The company collects insurance premiums and invests the funds to meet policyholder obligations, operating as a mutual company owned by its policyholders rather than shareholders. This structure emphasizes long-term value and customer success over short-term profits. Federated is distinguished by its mutual ownership, strong financial stability (A.M. Best rating of A Superior), and a focus on mid- to large-sized businesses and farmers, offering personalized solutions across various industries. Its goal is to help clients manage risk, safeguard assets, and maintain business operations through stable, long-term coverage.
Company Size
1,001-5,000
Company Stage
N/A
Total Funding
N/A
Headquarters
Owatonna, Minnesota
Founded
1904
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Simplify's Take
What believers are saying
- April 21, 2026 policyholder meeting reported $3.5 billion premium and $6.6 billion surplus.
- Federated kept its A+ A.M. Best rating for 27 consecutive years in 2026.
- June 11, 2026 myTRAINING deepens sticky risk-management relationships with association members.
What critics are saying
- Open 2026 coverage lawsuits, including Kennedy and Charter Oak, drain underwriting profits.
- HDVI integration can distract management and dilute Federated's conservative mutual culture by 2027.
- A severe commercial auto loss cycle would crush margins and expose reliance on niche segments.
What makes Federated Insurance unique
- Federated's mutual structure prioritizes policyholder value, not quarterly shareholder returns, in 2026.
- Its direct client service model pairs face-to-face agents with industry-specific risk management.
- The August 1, 2026 HDVI acquisition adds telematics underwriting for trucking fleets.
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Benefits
Health Insurance
401(k) Retirement Plan
401(k) Company Match
Performance Bonus
Company News
Bel-Aire Mechanical named 2026 SMACNA Safety Innovator of the Year. Safety Innovator of the Year Award, presented in collaboration with SMACNA Premier Partners Milwaukee Tool and Federated Insurance, honors a company that demonstrates a safety practice that has led to measurable improvement in its safety program. Bel-Aire Mechanical, LLC, a Legence Company, has been named the 2026 SMACNA Safety Innovator of the Year. The award will be presented during the SMACNA Annual Convention in Orlando, Florida, on Monday, October 26. The Safety Innovator of the Year Award, presented in collaboration with SMACNA Premier Partners Milwaukee Tool and Federated Insurance, honors a company that demonstrates an innovative safety idea, concept, or best practice that has led to measurable improvement in its safety program or culture. Bel-Aire Mechanical received this recognition for its innovative use of artificial intelligence and natural language processing to enhance its health and safety program. By redesigning the pre-task planning process with the SmartTagIt app, Bel-Aire captures field-level safety conversations and uses AI to transcribe and analyze them. This provides Safety and Project Management teams with actionable insights into hazard recognition, planning, employee engagement, and areas for improvement. Instead of using pre-task planning as a checklist, Bel-Aire developed a process focused on meaningful conversations. AI reviews key elements such as hazard identification, mental health check-ins, planning, and positive reinforcement, creating a continuous feedback loop for proactive coaching and increased management accountability. This approach has made safety conversations more visible, measurable, and improvable, while promoting peer-to-peer learning and a culture where employees feel respected and heard. The results have been substantial. In 2025, Bel-Aire recorded over 800,000 man-hours with no recordable incidents and achieved a 40% reduction in near-misses and incidents. The company also improved conversation quality by 40%, with Question Quality 40% above the national benchmark and Planning 20% above the benchmark. More than 1.5 million work hours have been tracked through the platform, providing data that supports ongoing safety improvements. This innovative approach has also helped secure several high-value data center construction contracts. "We are honored to receive the 2026 SMACNA Safety Innovator of the Year Award. At Bel-Aire Mechanical, a Legence Company, safety is not just a priority - it is the foundation of our culture. This recognition belongs to every employee whose commitment to Safety, Quality, and Production as one mindset has created an environment where innovation thrives, and everyone is empowered to ensure each person returns home safely every day," said Scott Kienast, EHS Director, Bel-Aire Mechanical. As part of the Safety Innovator of the Year Award, SMACNA, in collaboration with Premier Partners Milwaukee Tool and Federated Insurance, donates to a charity chosen by the winner. This year, Bel-Aire Mechanical selected Merging Vets & Players (MVP), a nonprofit organization that brings together veterans and former professional athletes to provide community, connection, and support as they navigate the transition to life after service or professional sports. Through its innovative use of technology and its continued focus on meaningful employee engagement, Bel-Aire Mechanical demonstrates how AI can complement the human side of safety. Its approach is helping create safer, smarter, and more connected teams while providing a model for how innovation can drive continuous improvement across the construction industry. Aug 19, 2026 - Member Update
High Definition Vehicle Insurance (HDVI) has been acquired by Federated Mutual Insurance Company as of 1 August 2026. The commercial trucking insurance provider will operate as an autonomous subsidiary of Federated Insurance whilst retaining its current staff and agency partnerships. HDVI has grown from a startup to an insurance carrier operating across 26 US states over eight years. The company works with more than 100 agencies and 500 producers to insure hundreds of fleets and thousands of drivers annually. HDVI uses telematics data to assess risk and provide safety tools for commercial trucking fleets. The acquisition aims to strengthen both organisations and accelerate HDVI's growth in the commercial auto insurance market. Ardea Partners served as financial adviser to HDVI, whilst Stonybrook Capital advised Federated Insurance on the transaction.
Exclusive: Federated Insurance to acquire trucking insurtech HDVI Federated Insurance to Acquire Insurtech Firm HDVI Federated Insurance is reportedly acquiring HDVI, a Chicago-based insurtech company specializing in commercial auto insurance for trucking fleets. This information comes from individuals familiar with the transaction. Original Source: https://www.theinsurer.com/ti/news/exclusive-federated-insurance-to-acquire-trucking-insurtech-hdvi-2026-08-05/
Federated insurance(r) introduces myTRAINING Program to support risk management & employee training. Date posted June 11, 2026 Federated Insurance is proud to announce myTRAINING Program, a resource designed to simplify employee training while supporting risk management efforts for association members and their businesses. Take the stress out of employee training. myTRAINING Program provides businesses with a streamlined approach to planning, creating, and scheduling group training sessions. Recognizing that effective employee training is a key element of risk management, this program offers resources to help companies ensure their teams are equipped with the knowledge they need to work efficiently and safely. With myTRAINING Program, users can choose from pre-designed programs that include industry-specific risk management guidance or develop custom training plans addressing unique needs. The program allows users to schedule monthly or quarterly sessions in advance, assign training responsibilities to team members, and track progress through downloadable attendance sheets. These resources aim to reduce the time and stress typically associated with managing employee training, with most programs created and assigned in 10 minutes or less. Access more in myshield(r). Association member clients can access myTRAINING Program and other risk management resources in mySHIELD, Federated Insurance's personalized digital platform for clients. Those new to mySHIELD can contact their local Federated(R) marketing representative to learn more. At Federated Insurance, It's Our Business to Protect yours(r). Founded in 1904, Federated Mutual Insurance Company is a national insurance and risk management organization that supports the property, casualty, and life insurance needs of clients in select industries. The organization has more than 500 recommendations from local, state, regional, and national associations and buying groups and is rated A+ (Superior) by industry analyst A.M. Best(R). At Federated Insurance, It's Our Business to Protect Yours.(R)
Federated Insurance celebrates record-setting year at 122nd annual policyholders meeting. Staff Writer Owatonna Peoples Press Federated Mutual Insurance Company hosted its 122nd Annual Meeting of Policyholders on Tuesday, April 21, 2026, in Owatonna, Minnesota. Chairman, President and CEO Nicholas Lower presided over the meeting, reflecting on Federated's continued growth and commitment to its policyholders, employees, association partners, and the communities where its employees live and work. He began by thanking the company's more than 47,000 policyholders. "Every day, we are privileged to protect the future of American business owners who drive progress, create opportunities, and strengthen the communities they serve," said Lower. "For 122 years, they have trusted Federated Insurance to provide tailored coverage, equitable premiums, and proactive risk management solutions. It is an honor to partner with them. We remain steadfast in our mission to meet their evolving needs and enhance their success." Lower credited Federated's more than 3,000 employees for the company's strong 2025 financial results. "World-class organizations operate with excellence, a client-focused mission, forward-thinking strategies, and superior financial results. By this definition, Federated(R) stands among the elite. Yet, what truly sets us apart is our world-class people. It's their dedication that drives our operational achievement, fosters collaboration, and ensures we deliver superior value to our policyholders, who deserve only the best," he said. Company highlights from 2025 include: Total assets, $15.0 billion; total invested assets, $13.3 billion; policyholders' surplus, $6.6 billion; total property and casualty and life premium, $3.5 billion; property and casualty net premium, $3.059 billion; and total property and casualty accounts is more than 47,000. Federated Life Insurance Company saw a total collected premium of $338 million, $3.05 billion in assets, and $817 million in capital and surplus. Federated was rated A+ (Superior) by insurance industry analyst A.M. Best(R) for the 27th consecutive year. Federated was named to the 2025 Ward's 50(R) group of top performers for property-casualty and life-health. The 2025 Federated Challenge(R) raised a record-breaking $4,945,000 for Minnesota's three Big Brothers Big Sisters(R) agencies and Big Brothers Big Sisters of America(R). Since 2005, the Federated Challenge has raised more than $62 million for youth mentoring. Federated was named to the 2025 National Corporate Mentoring Honor Roll in recognition of outstanding support of youth mentoring. An impressive $451,793 was raised through employee donations and Federated's corporate gift during the United Way(R) Workplace Campaign. These funds benefit United Way organizations across the country. As part of Federated's 2025 employee gift matching program, employees supported more than 200 charitable programs across the nation, resulting in $130,000 in matched contributions. Federated earned a place on both the Forbes America's Best-in-State Employers 2025 and Newsweek Most Admired Workplaces 2026 lists for its exceptional workplace environment. Federated partnered with Wallin Education Partners to award five local students from Owatonna High School with Wallin Scholarships in 2025. This was part of the company's five-year commitment to supporting 25 students with multi-year scholarships for an investment total of $575,000. Meeting proceedings included the re-election of current Board Members Steven Clark, James Giesler, Sarah Person, and Camelia Clarke for additional three-year terms. "We are in a strong financial position," Lower said. "As a mutual company, this financial strength allows us to reinvest in products, risk management services, innovative technology, and our Direct Client Service Model, which enables us to provide face-to-face service to clients across the country. Our future, our clients' future, and our association partners' future have never been brighter."