Liability Claims Specialist - E&S Garage (Remote)

At Selective, we don't just insure uniquely, we employ uniqueness.

Selective is a midsized U.S. domestic property and casualty insurance company with a history of strong, consistent financial performance for nearly 100 years. Selective's unique position as both a leading insurance group and an employer of choice is recognized in a wide variety of awards and honors, including listing in Forbes Best Midsize Employers in 2024 and certification as a Great Place to Work in 2024 for the fifth consecutive year.

Employees are empowered and encouraged to Be Uniquely You by being their true, unique selves and contributing their diverse talents, experiences, and perspectives to our shared success. Together, we are a high-performing team working to serve our customers responsibly by helping to mitigate loss, keep them safe, and restore their lives and businesses after an insured loss occurs.

Selective Insurance is looking for a Liability Claims Specialist-E&S Garage. This is a fully remote position.

The purpose of this position is to provide direct handling of the company's Garage auto property damage claims with a focus on First and Third party claims including Garagekeeper coverage. The position will involve both attorney represented and non-represented claimants. Responsibilities of this position include coverage analysis, investigation, evaluation, negotiation and disposition of assigned claims. This position may also entail handling of bodily injury and general liability claims and/or willingness to learn same. The individual in this position will also ensure claims are processed within company policies, procedures, and within the individual's prescribed authority with exceptional standards of performance.

• Receives assigned auto claims and independently reviews/analyzes the policy forms and endorsements to determine applicable coverages, limits, deductibles and settlement calculations, as well as subrogation recovery opportunity.
• Investigate coverage and issue applicable coverage letters.
• Gathers appropriate documentation to support the claimed damages through phone/email contact with customers, vendors, and police departments (includes estimates, proof of ownership/value, required company forms, reports, invoices, etc.)
• Reviews damage documentation to determine loss amount. Negotiates settlements based on documentation presented, vendor contact/discussions, personal knowledge and experience, customer discussions and policy language.
• Documents claim files, establishes and updates reserves throughout the life of the claim, maintains suspense system, processes expenses, prepares checks, updates MCS, and sends appropriate letters based on state regulations and company directives.
• Explores salvage and subrogation potential, as well as arbitration opportunity.
• Continuously reviews and analyzes investigative information to determine if file is eligible for fraud/SIU handling.
• Enlists the assistance of vendors and/or other resources to help with remediation services or future analysis of auto damage or settlement values.
• Ensures compliance with company, state and federal regulations.

Knowledge and Requirements

• Understanding of Garage Auto/Auto Dealer policy language and endorsements preferred
• Adjuster licenses in states requiring same (obtain within 3 months of hire)
• Effective verbal and written communication skills
• Strong time management and organizational skills
• Negotiation and claim disposition skills with proven problem-solving ability
• Strong judgment and decision making skills
• Self-starter with ability to work independently
• Moderate proficiency with standard business-related software

Education and Experience

• College degree preferred
• Min of 3 years of Commercial and or Personal Lines Auto experience preferred
• Industry training/designations preferred

Selective Insurance offers a total rewards package that includes a competitive base salary, incentive plan eligibility at all levels, and a wide array of benefits designed to help you and your family stay healthy, achieve your financial goals, and balance the demands of your work and personal life. These benefits include comprehensive health care plans, retirement savings plan with company match, discounted Employee Stock Purchase Program, tuition assistance and reimbursement programs, and paid time off plans. Additional details about our total rewards package will be provided during the recruiting process.

The actual base salary is based on geographic location, and the range is representative of salaries for this role throughout Selective's footprint. Additional considerations include relevant education, qualifications, experience, skills, performance, and business needs.

Selective is an Equal Employment Opportunity employer. That means we respect and value every individual's unique opinions, beliefs, abilities, and perspectives. We are committed to promoting a welcoming culture that celebrates diverse talent, individual identity, different points of view and experiences - and empowers employees to contribute new ideas that support our continued and growing success. Building a highly engaged team is one of our core strategic imperatives, which we believe is enhanced by diversity, equity, and inclusion. We expect and encourage all employees and all of our business partners to embrace, practice, and monitor the attitudes, values, and goals of acceptance; address biases; and foster diversity of viewpoints and opinions.