Claims Representative

EMC Insurance Companies

Claims Representative investigating and resolving low-complexity third-party auto, casualty, and premises liability claims for EMC. Evaluating coverage, liability, damages, reserves, settlements, and customer inquiries remotely across the United States.

Posted 8/18/2026full-timeRemote • 🇺🇸 United StatesJunior💰 $46,990 - $71,385 per yearWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in low-complexity third-party auto, casualty, and premises liability claims handling, including coverage analysis, liability assessment, and negotiation. Proficient in documentation, communication, and maintaining claim reserves while ensuring compliance with insurance regulations.

Highest-signal resume keywords

Claims Handling ExperienceCoverage AnalysisLiability AssessmentNegotiation SkillsInsurance Certifications

ATS Keywords

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Applicant Tracking System Keywords

Tip: use these terms in your resume and cover letter to boost ATS matches.

Hard Skills

Claims Adjusting ProcessDocumentation ReviewMedical TerminologyLegal Aspects of LiabilityBodily Injury EvaluationProperty Damage EvaluationClaim Reserve ManagementSubrogation IdentificationSettlement DocumentationClaims Systems Knowledge

Soft Skills

Organizational SkillsWritten CommunicationVerbal CommunicationInvestigative AbilitiesProblem-Solving Skills

Certifications & Qualifications

AICINS

Industry Keywords

Third-Party ClaimsAuto LiabilityCasualty ClaimsPremises LiabilityInsurance ContractsClaim SummariesClient-Specific Handling InstructionsClaim DiariesExcess Carrier NotificationsLegal Liability

About the role

Key responsibilities & impact

Investigate and evaluate low-complexity third-party auto, casualty, and premises liability claims, including coverage analysis and liability assessment
Initiate timely contact with insureds, claimants, witnesses, clients, and other involved parties, typically within 24 hours of claim assignment
Obtain statements, gather documentation, review police/fire reports, and identify subrogation or recovery opportunities
Establish and maintain appropriate claim reserves based on exposure and claim developments
Secure and review medical records, bills, invoices, receipts, and other supporting documentation for claim evaluation
Prepare excess carrier notifications and escalate complex claims to leadership when additional expertise is required
Respond to inquiries regarding claim status, coverage, liability, and damages
Draft reservation of rights and denial letters with appropriate management approval
Negotiate and resolve claims within assigned authority, recommend settlements exceeding authority limits, and issue payments accordingly
Prepare bodily injury and property damage evaluations and settlement documentation
Ensure proper execution of releases and agreements
Maintain active claim diaries, follow client-specific handling instructions, prepare claim summaries and reports, participate in file reviews, and stay current through ongoing training

Requirements

What you’ll need

Associate degree or equivalent relevant experience
One year of claims handling, insurance, or related experience
Low-complexity third-party auto, casualty, and premises liability claims handling experience strongly preferred
Bachelor’s degree may be considered in lieu of the claim handling or insurance experience requirement
AIC, INS, or other insurance-related certifications preferred
Basic knowledge of the claims adjusting process
Basic knowledge of insurance contracts, medical terminology, and legal aspects of court procedures affecting legal liability
Good knowledge of computers, including claims systems
Strong organizational, written, and verbal communication skills, including documentation
Good investigative and problem-solving abilities

Benefits

Comp & perks

Outstanding benefits with life, medical, dental, vision and prescription drug coverage
Competitive paid time off plan
Full day of volunteer time off annually
401(k) plan match
Pension plan
OneEMC bonus plan
Recognition and anniversary awards
Professional development and growth opportunities
Tuition reimbursement
Wellness initiatives to improve team member well-being and reduce health insurance costs
Flexibility to dress for your day
Opportunities for alternative work arrangements