This opportunity is to work with the Rural Municipalities of Alberta as a Claims Adjuster (outside field rep) with regular travel within your assigned coverage territory: Red Deer and Central Alberta. The ideal candidate has experience in insurance or risk and enjoy’ s in person contact with clients, vendors and members. This an individual will be exposed to public sector insurance claims handling. This role will include site attendance and on-site in person investigation for property and general liability losses for members assigned in your region.
The losses you handle will normally be first party losses but may include some investigation with third parties as well. For larger or complex losses, you will work with the in-house examining team and liaise with inside and outside legal counsel for litigated claims.
The Claims Adjuster will have access to highly confidential member and association information, and it is expected and required information be held in the strictest confidence.
Key Responsibilities Include:
Must have familiarity with insurance and/or risk management.
Has experience reading and interpreting policy wordings
Be detail orientated to ensure claims are investigated thoroughly and settled fairly.
Ensure claimants and member clients are treated with courtesy and respect throughout the claims settlement process.
Performing investigation, evaluation, negotiation, and disposition of various types of claims, primarily of a first party nature. Successful accomplishment requires sound investigative strategies and excellent client care skills as the direct contact point for many of our insureds.
Appointing, controlling, and directing external service providers including task adjusters and other experts.
Handle your own file pending, and assist Examiners as task adjuster in adjustment of claim files.
Meet and negotiate with members, and give direction to experts in various fields depending on the needs of the situation.
Assist in claim inquiries and ensure all claims are promptly investigated.
Ensure coordinated and timely investigation through communication with third party adjusters, and outside experts;
Review and interpret property and liability policy wordings, acts, regulations and legislation in order to confirm coverage;
Set reserves and authorize payment within scope of authority and settle claims in the most cost effective and timely manner possible;
Control indemnity and expenses through proactive claims handling techniques, including the pursuit of subrogation where applicable;
Ensure all claims negotiations are conducted with integrity and that settlements are accurate and fair;
Attend training as necessary to ensure skills evolve with changes in the industry;
Assist the Claims Manager as necessary;
Participate in Association activities and events as required by the Directors and/or the Board.
Enthusiastically support change, share experiences, and actively seek new challenges
Meets regularly with department colleagues to discuss claims operations, and offers ideas to improve processes and procedures as required.
Independent and reliable- Is able to work with minimal supervision. Is self-motivated and self-directed.
Develop a thorough understanding of the Municipal Government Act and the defences available for liability.
Be adaptable to learning new skill sets utilized in risk management.
Education: (the minimum level of education necessary to adequately perform the duties).
Preference will be given to a candidate with a CIP designation, or who is enrolled in courses offered through the Insurance Institute of Canada with the committed goal of obtaining CIP.
Completion of a CRM designation would be considered an asset.
Proficient in Microsoft Office, particularly Word and Excel.
Experience in an office environment using computerized information systems.
Minimum 2 years claims adjusting experience or equivalent;
Experience in aligned industries will be considered;
Analytical, decision making and resource management skills;
Strong Business Planning and negotiation skills
Flexibility and ability to problem solve;
Strong communication skills, including listening, interviewing, negotiating, and must be able to flex style appropriate to audience
Demonstrate organizational skills with the ability to manage conflicting priorities in an effective manner
Proactive and positive approach to member service ensuring that all enquiries are effectively dealt with in a timely manner
Strong interpersonal skills enabling an ability to effectively deal with conflict and difficult situations
Strong commitment to the association goals and philosophy;
An understanding of the concept of Reciprocal Insurance Exchanges and the unique Insured - Insurer client relationship they represent.
Valid Alberta Driver’s License – Regular travel is required
This position will be remote with regular travel within assigned territory.