Claims Examiner – Property

Hiscox

Claims Examiner handling 1st Party Property claims at Hiscox. Hybrid role requiring resolution of claims and documentation in an engaging team environment.

Posted 6/17/2026full-timeChicago • Arizona, Connecticut, Illinois, Massachusetts, New York • 🇺🇸 United StatesJunior💰 $70,000 - $85,000 per yearWebsite

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Hard Skills

claims analysisclaims adjustingclaims documentationnegotiationinvestigationsreserves assessment1st Party commercial claimscustomer servicefraud detection

Soft Skills

analytical skillsverbal communicationwritten communication

Certifications & Qualifications

insurance adjuster’s license

Industry Keywords

claims examinerclaims teamoperational supportbusiness income lossesperiod of restorationcoverage lettersreservation of rightsdenial lettersBest Practicesregulatory compliance

About the role

Key responsibilities & impact

The Claims Examiner adjudicates assigned claims within given authority and provides operational support to the claims team.
Adjusts and resolves moderate claims that includes all phases 1st Party commercial claims for our Property Team
Accurately reviews and assesses coverage for all losses
Completes full in depth investigations to confirm how coverage is relevant and applies it to the loss
Manages smaller business income losses and the period of restoration
Accurately documents claim files with all relevant claim documentation, correspondence and notes in compliance with company policies and applicable regulatory authorities
Accurately assesses reserves for indemnity and expense payments
With minimal supervision, drafts coverage letters, including reservation of rights and denial letters
Drives 1st Party Best Practices to manage expense and exposure on losses
Has a high level of customer service
Identifies suspected fraudulent claims and tracks with special investigations unit
Participates in Claims projects as needed

Requirements

What you’ll need

1+ years of 1st Party Commercial claims handling experience
Advanced knowledge of claims analysis and adjusting practices
In depth knowledge of standards for claims documentation
Proven ability to actively and effectively negotiate settlement of moderate to complex claims
Strong analytical skills
Strong verbal and written communication skills
Active insurance adjuster’s license preferred
B.A./B.S degree from an accredited College or University preferred

Benefits

Comp & perks

Competitive salary and bonus (based on personal & company performance)
401(k) with competitive company matching
Comprehensive health insurance, vision, dental and FSA plans (medical, limited purpose, and dependent care)
Company paid group term life, short- term disability and long-term disability coverage
24 Paid time off days, 2 Hiscox Days, 10 paid holidays, and ability to purchase 5 PTO days
Paid parental leave
4 week paid sabbatical after every 5 years of service
Financial Adoption Assistance and Medical Travel Reimbursement Programs
Annual reimbursement up to $600 for health club membership or fees associated with any fitness program
Company paid subscription to Headspace to support employees’ mental health and wellbeing
Dynamic, creative and values-driven culture
Modern and open office spaces, complimentary drinks