Bodily Injury Claims Specialist

Auto-Owners Insurance

Bodily injury claims specialist evaluating coverage, liability, damages, and settlements for Auto-Owners Insurance. Investigating complex claims and supporting negotiations, mediations, and trials across Minnesota locations.

Posted 8/4/2026full-timeLake Elmo • Minnesota • 🇺🇸 United StatesMid-LevelSenior💰 $65,500 - $96,100 per yearWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in insurance claims management, including conducting investigations, evaluating coverage, and negotiating settlements. Proficient in understanding policy language and maintaining required adjuster licenses while delivering exceptional customer service.

Highest-signal resume keywords

Insurance Claims ManagementInvestigation TechniquesPolicy InterpretationClaims NegotiationAdjuster License Maintenance

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Claims Handling ProceduresLegal Liability AnalysisLoss EvaluationComplex Claims ManagementClaims Settlement Techniques

Soft Skills

Customer ServiceOrganizational SkillsDecision-MakingCommunication Skills

Certifications & Qualifications

Adjuster License

Industry Keywords

Insurance PoliciesClaims NegotiationsMediationsSettlement ConferencesConfidential Information Handling

About the role

Key responsibilities & impact

Assemble facts, determine coverage, evaluate loss amounts, analyze legal liability, and make payments according to coverage, damage, and liability determinations
Study insurance policies, endorsements, and forms to understand coverage
Follow claims handling procedures and participate in claim negotiations and settlements
Deliver customer service to agents, insureds, and others
Devise alternative service approaches based on circumstances
Meet with people involved in claims, including outside the office
Conduct investigations by telephone, email, mail, and on site
Maintain required adjuster licenses within company or statutory time frames
Handle complex and unusual exposure claims through on-site investigations and participation in mediations, settlement conferences, and trials
Handle confidential information according to company standards and applicable law
Assist in evaluating and selecting outside counsel
Maintain punctual attendance at an assigned schedule and company-approved work location

Requirements

What you’ll need

Minimum of three years of insurance claims-related experience
Ability to organize and conduct investigations involving complex issues
Ability to assimilate information and reach logical, timely decisions
Ability to understand, interpret, and communicate policy language effectively
Ability to disseminate appropriate claim-handling techniques so others understand the issues
Maintain appropriate adjuster’s license(s), if required by statute in the employed jurisdiction
Ability to work in the U.S. without current or future sponsorship

Benefits

Comp & perks

Merit-based work-from-home program after initial in-person training
Friendly work environment
Structured training program
Employee mentoring
Matched 401(k)
Fully funded pension plan once vested
Medical, prescription, dental and vision insurance
Associate, spouse and child life insurance
Supplemental sick pay
Long-term disability
Health care flexible spending accounts
Dependent care flexible spending accounts
Generous paid time off including holidays, vacation days, personal time, sick leave and parental leave
Adoption assistance
Discounts on personal insurance
Education matching gift program
Student loan assistance program
Gym membership and fitness class reimbursement program
Several bonus opportunities