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Workers' Compensation Claims Adjuster jobs at AmTrust Financial - 778 jobs

  • Claims Adjuster III, Agriculture

    Amtrust Financial 4.9company rating

    Workers' compensation claims adjuster job at AmTrust Financial

    Requisition ID 2025-19590 Category Claims - Agriculture Type Regular Full-Time Works independently to manage Workers' Compensation cases, including complex and catastrophic claims. Note commercial Workers' Compensation experience in California is required. Responsibilities DISTINGUISHING CHARACTERISTICS: Administers complex non-litigated and litigated workers' compensation cases and integrates the delivery of benefits associated with sickness and long-term disability benefits. Provides technical guidance, mentoring and support to claims assistants and clerical staff. ESSENTIAL DUTIES AND RESPONSIBILITIES: To perform this job successfully, the employee must be able to efficiently and effectively perform each of the following essential functions. Reasonable accommodation may be made for individuals with disabilities. The functions of this job include but are not limited to; Set up claims and make timely three point contacts Ensure the privacy and security of Protected Health Information (PHI) Analyze claim, investigate and estimate proper reserves Develop and maintain relevant plan of action Set up and maintain timely benefit payments (Includes wage statement calculation and diary management) Identification and pursuit of subrogation Timely review and maintenance of incoming mail Timely response to Request for Authorization or referral for Utilization Review Consistent communication and claim reviews with all parties, including our Claims Services Account Manager in relation to brokers and policy holders. The agricultural accounts are generally higher volume policies, fast-paced and seasonal, and special handling is oftentimes required. Timely evaluation of reserve adequacy Proactively maintaining current status of claims Identify, rate and reserve for possible permanent disability Evaluate claim for settlement purposes Timely excess Carrier Reporting Close cases in a timely and expedient manner Other duties as may be assigned Must be able to work at least 40 hours per week, Monday thru Friday and be available to work extended hours as situations arise. Qualifications Requires 3 to 5 years of commercial Workers' Compensation experience Any combination equivalent High School graduation and/or two year community college or experience in business or closely related field. Litigated and non-litigated claims experience required. Basic mathematical skills required for calculations and ratings. Knowledge and understanding of workers' compensation claims administration required. Through knowledge of Self-Insurance regulations, Case Law, Labor Code. Must possess strong time management, organization and problem solving skills. Ability to read, analyze, and interpret common scientific and technical journals, financial reports, and legal documents. Ability to write letters, memos and reports that conform to prescribed style, format and grammatical correctness. Ability to effectively present information to top management. Extensive clear and tactful communications required via writing, reading, telephone calls, note taking, letter writing, memoranda, etc. Must be able to negotiate. Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, and percentages. Ability to define problems, collect data, establish facts, and draw valid conclusions. Ability to interpret an extensive variety of technical instructions in mathematical or diagram form and deal with several abstract and concrete variables. Must be Current on Worker's Compensation education training hours. Your employer reserves the right to modify the description of the duties and the requirements of this job at any time upon reasonable notice. The expected salary range for this role is $87,600-$95,000.00. Please note that the salary information shown above is a general guideline only. Salaries are based upon a wide range of factors considered in making the compensation decision, including, but not limited to, candidate skills, experience, education and training, the scope and responsibilities of the role, as well as market and business considerations. #LI-GH1 What We Offer AmTrust Financial Services offers a competitive compensation package and excellent career advancement opportunities. Our benefits include: Medical & Dental Plans, Life Insurance, including eligible spouses & children, Health Care Flexible Spending, Dependent Care, 401k Savings Plans, Paid Time Off. AmTrust strives to create a diverse and inclusive culture where thoughts and ideas of all employees are appreciated and respected. This concept encompasses but is not limited to human differences with regard to race, ethnicity, gender, sexual orientation, culture, religion or disabilities. AmTrust values excellence and recognizes that by embracing the diverse backgrounds, skills, and perspectives of its workforce, it will sustain a competitive advantage and remain an employer of choice. Diversity is a business imperative, enabling us to attract, retain and develop the best talent available. We see diversity as more than just policies and practices. It is an integral part of who we are as a company, how we operate and how we see our future. Connect With Us! Not ready to apply? Connect with us for general consideration.
    $87.6k-95k yearly 3d ago
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  • Subrogation Adjuster I

    Amtrust Financial Services, Inc. 4.9company rating

    Workers' compensation claims adjuster job at AmTrust Financial

    Amtrust Financial Services, a fast-growing commercial insurance company, is seeking a Subrogation Claims Investigator. The successful candidate will directly handle subrogation related claims. The This adjuster role is responsible for prompt and independent investigations and review of subrogation claims through effective coverage analysis and liability investigation. In this role, the adjuster is responsible for negotiations and interactions with insureds, claimants, adverse parties, and counsel. The successful candidate will evaluate risk transfer opportunities as well as ensuring appropriate investigation of the underlying facts and circumstances is carried out, proper experts are retained and utilized where necessary, selection and utilization of counsel is appropriate, and proper negotiation strategy is employed. This position reports to a line of business supervisor or manager. This position may require hybrid attendance in an AmTrust location. The expected salary range for this role is $46,600 - $60,000. Please note that the salary information shown above is a general guideline only. Salaries are based upon a wide range of factors considered in making the compensation decision, including, but not limited to, candidate skills, experience, education and training, the scope and responsibilities of the role, as well as market and business considerations. Responsibilities * Investigates the claim or coverage by making timely and appropriate contact with involved or interested parties including but not limited to the insured or employer. representatives, claimant or injured party, witnesses, producers, and adverse parties. * Documents strategy, action plan, and summary of correspondence in a clear, succinct, and fact-based manner. * Notifies all potential parties, legal representatives, and insurance companies of our subrogation interest. * Ensures quality and timely service is provided to all internal and external customers, whether directly or indirectly. * While working with internal or assigned Legal Counsel, will build strong relationships, and apply company principles and standards. * Effectively negotiates and resolves litigated and non-litigated subrogation claims, and leverages relationships to achieve optimal outcomes. * Manages and controls loss adjustment expenses while pursuing the best potential recovery outcomes. * Builds and leverages critical thinking and decision-making skills to gather, assess, analyze, question, verify, interpret, and understand key or root issues. * Effectively prioritizes work while driving claims resolution for the best potential outcome. * Escalates claims decisions regarding settlement determination when appropriate to management. * Performs other functional duties as assigned. Qualifications Minimum Qualifications * Bachelor's degree or equivalent experience. * State licensure as required. * Demonstrated proficiency with MS Office suites. * Demonstrated skills in loss investigations, evaluations, and negotiations. * Knowledge of insurance liability, theory, and practices. Preferred: * Multi-jurisdictional exposure preferred. * Ability to obtain licensure as required. * Some ability to travel may be required. Unique Minimum Qualifications: * Sound technical experience with negotiations and investigations. * Candidate should have knowledge of commercial general liability, commercial automobile, property and/or Workers' Compensation insurance coverages. * Ability to review and interpret contracts, legal documents, and medical records. * Knowledge of jurisdictional statutes and case law. * Ability to communicate effectively and clearly with many different parties both verbally and written. * Knowledge of claim procedures, policies, state and federal laws and insurance regulations. * Experience with litigation, mediation, and arbitration What We Offer AmTrust Financial Services offers a competitive compensation package and excellent career advancement opportunities. Our benefits include: Medical & Dental Plans, Life Insurance, including eligible spouses & children, Health Care Flexible Spending, Dependent Care, 401k Savings Plans, Paid Time Off. AmTrust strives to create a diverse and inclusive culture where thoughts and ideas of all employees are appreciated and respected. This concept encompasses but is not limited to human differences with regard to race, ethnicity, gender, sexual orientation, culture, religion or disabilities. AmTrust values excellence and recognizes that by embracing the diverse backgrounds, skills, and perspectives of its workforce, it will sustain a competitive advantage and remain an employer of choice. Diversity is a business imperative, enabling us to attract, retain and develop the best talent available. We see diversity as more than just policies and practices. It is an integral part of who we are as a company, how we operate and how we see our future.
    $46.6k-60k yearly Auto-Apply 60d+ ago
  • Claims Adjuster

    Network Adjusters, Inc. 4.1company rating

    Farmingdale, NY jobs

    Network Adjusters is seeking experienced General Liability and/or Construction Defect Claims Adjusters to join our third-party administrative insurance handling team. This role supports the investigation, evaluation, negotiation, and resolution of third-party construction defect claims, including property damage and liability exposures, while delivering consistent, high-quality claims management in alignment with industry best practices. This position offers the opportunity to work within a trusted organization committed to integrity, reliability, and professional development through ongoing training and growth opportunities. About the Role Construction Defect Claims Adjusters are responsible for managing complex third-party claims related to construction projects from inception through closure. Claims may include third-party property damage, bodily injury, and other specialized construction-related exposures of varying complexity and severity. In this role, you will investigate losses, analyze policy language, evaluate damages, determine coverage, negotiate settlements, and handle litigated matters as needed while maintaining clear, professional communication with all involved parties. Adjusters routinely conduct site inspections, gather statements from claimants, witnesses, and contractors, coordinate with external experts, and ensure all claim activity complies with state-specific regulations and Network Adjusters' Best Claims Practices. This is a desk-based role. Responsibilities Apply in-depth knowledge of General Liability and Construction Defect claims to manage complex third-party property damage, bodily injury, and related losses Deliver high-quality customer service to insureds, claimants, carrier clients, and internal stakeholders Review and analyze coverage by applying policy conditions, provisions, exclusions, and endorsements, and address jurisdictional considerations such as negligence laws, immunity, and financial responsibility limits Investigate claims to determine liability and potential sources of recovery by contacting, interviewing, and coordinating with appropriate parties and external experts Effectively manage litigated claims, including coordination with defense and coverage counsel Establish, document, and maintain appropriate claim and expense reserves in a timely manner Develop and execute plans of action for claim resolution, including diary management and timely follow-up Determine settlement values using independent judgment, applicable limits, and deductibles, and negotiate settlements within assigned authority Draft denial letters, reservation of rights, tenders, and other routine or complex claim correspondence Identify and pursue subrogation opportunities when applicable Prepare client-specific reports and detailed claim analyses, and consult with senior technical staff to ensure proper file handling Document all claim activity in accordance with established procedures and Best Practices Ensure compliance with all state-specific regulatory requirements and quality standards Manage multiple competing priorities to ensure timely payments, follow-up, and claim resolution Qualifications 2-5 years of claims handling experience, preferably in third-party General Liability and/or Construction Defect College or technical degree, or equivalent relevant business experience Ability to obtain and maintain required adjuster licenses, including completion of continuing education Strong analytical, investigative, decision-making, and negotiation skills, with the ability to manage conflict effectively Excellent verbal and written communication skills, with a customer-focused and empathetic approach Strong organizational and time management skills with the ability to multitask in a fast-paced environment High attention to detail, accuracy, confidentiality, and sound judgment Proficiency in MS Word, Outlook, Excel, and standard business software Bilingual proficiency preferred but not required Compensation & Benefits Salary: $75,000-$100,000 annually (based on licensure, certifications, and experience) Training, development, and career growth opportunities 401(k) with company match and retirement planning Paid time off and company-paid holidays Comprehensive medical, dental, and vision insurance Flexible Spending Account (FSA) Company-paid life insurance and long-term disability Supplemental life insurance and optional short-term disability Strong work/family and employee assistance programs Employee referral program Location 📍 Farmingdale, NY (On-site) Remote opportunities may be available for experienced candidates who meet all required criteria. About Network Adjusters Founded in 1958, Network Adjusters has built a reputation as a leading provider of insurance claims administration and independent adjusting services. Serving the insurance industry for nearly seven decades, Network Adjusters, Inc. brings together the best elements of third-party claims administration and independent adjusting services. From our primary offices in New York, Denver, and Kentucky to our national network of experts, our superior experience and ongoing training are the keys to successfully managing our clients claims and handling specialized insurance needs. All our Claim Directors have extensive backgrounds working with major insurance carriers, giving us a thorough understanding of factors critical claims handling. It all adds up to measurable results-the proof is in our extensive track record of settled claims and unmatched recovery abilities.
    $75k-100k yearly 4d ago
  • Farm and Ranch Claims Adjuster

    Munich Re 4.9company rating

    Columbus, OH jobs

    All locations Amelia, United States; Austin, United States; Atlanta, United States; Charlotte, United States; Columbus, United States; Dallas, United States; Denver, United States; Des Moines, United States; Houston, United States; Philadelphia, United States; American Modern Insurance Group, Inc., a Munich Re company, is a widely recognized specialty insurance leader that delivers products and services for residential property - such as manufactured homes and specialty dwellings - and the recreational market, including boats, personal watercraft, classic cars, and more. We provide specialty product solutions that cover what the competition often can't. Headquartered in Amelia, Ohio, and with associates located across the United States, we are part of Munich Re's Global Specialty Insurance division. Our employees receive boundless opportunity to grow their careers and make a difference every day. This position has a hybrid schedule, 40-50% of the time in the office in Amelia, OH. Remote working arrangements will be considered for qualified candidates in other geographical locations. American Modern Insurance Group is developing a new Farm and Ranch division and we are looking for an experienced Adjuster to join our Virtual Desk team. In this role, you will have exposure to various kinds of claims such as Farm Auto, Farm Dwelling, Farm Equipment and Farm Structures. We are looking for a highly motivated and detail-oriented individual to investigate, evaluate, and settle farm and ranch claims in accordance with company policies and procedures. The successful candidate will have a strong understanding of agricultural operations, insurance principles, and claims adjusting practices. This role requires excellent communication and interpersonal skills, as well as the ability to work independently and as part of a team. Key Responsibilities: Investigate and evaluate farm and ranch claims, including but not limited to: Crop damage Livestock losses Equipment and property damage Business interruption Conduct virtual inspections and interviews with policyholders, witnesses, and other stakeholders. Gather and analyze data, including financial records, agricultural reports, and other relevant documents. Determine the extent of damages and losses, and calculate claim settlements in accordance with policy terms and conditions. Communicate claim decisions and settlements to policyholders, agents, and other stakeholders. Maintain accurate and detailed records of claims activity, including documentation of investigations, evaluations, and settlements. Stay up-to-date with industry developments, regulatory changes, and company policies and procedures. Qualifications Bachelor's degree in a relevant field (e.g., business, construction management, or a related field). At least two years of experience in farm and ranch claims adjusting Strong knowledge of agricultural operations, including crop and livestock production Familiarity with insurance principles, including policy terms, conditions, and exclusions Excellent communication, interpersonal, and problem-solving skills Ability to work independently and as part of a team Strong analytical and organizational skills, with attention to detail and ability to prioritize tasks Proficient in Microsoft Office, with ability to learn company-specific software and systems We are proud to offer our employees, their domestic partners, and their children, a wide range of insurance benefits: Two options for your health insurance plan (PPO or High Deductible). Prescription drug coverage (included in your health insurance plan). Vision and dental insurance plans. Additional insurance coverages provided at no cost to you, such as basic life insurance equal to 1x annual salary and AD&D coverage that is equal to 1x annual salary. Short and Long Term Disability coverage. Supplemental Life and AD&D plans that you can purchase for yourself and dependents (includes Spouse/domestic partner and children). Voluntary Benefit plans that supplement your health and life insurance plans (Accident, Critical Illness and Hospital Indemnity). In addition to the above insurance offerings, our employees also enjoy: A robust 401k plan with up to a 5% employer match. A retirement savings plan that is 100% company funded. Paid time off that begins with 24 days each year, with more days added when you celebrate milestone service anniversaries. Eligibility to receive a yearly bonus as a Munich Re employee. A variety of health and wellness programs provided at no cost. Paid time off for eligible family care needs. Tuition assistance and educational achievement bonuses. A corporate matching gifts program that further enhances your charitable donation. Paid time off to volunteer in your community. The salary range for this role is between $60,000 and $100,000 annually plus bonus and benefits mentioned above. At American Modern, we see Diversity and Inclusion as a solution to the challenges and opportunities all around us. Our goal is to foster an inclusive culture and build a workforce that reflects the communities in which we live and work. We strive to provide a workplace where all of our colleagues feel respected, valued and empowered to achieve their very best every day. We recruit and talent with a focus on providing our customers the most innovative products and services. We are an equal opportunity employer. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Apply Now Save job
    $60k-100k yearly 4d ago
  • Farm and Ranch Claims Adjuster

    Munich Re 4.9company rating

    Austin, TX jobs

    All locations Amelia, United States; Austin, United States; Atlanta, United States; Charlotte, United States; Columbus, United States; Dallas, United States; Denver, United States; Des Moines, United States; Houston, United States; Philadelphia, United States; American Modern Insurance Group, Inc., a Munich Re company, is a widely recognized specialty insurance leader that delivers products and services for residential property - such as manufactured homes and specialty dwellings - and the recreational market, including boats, personal watercraft, classic cars, and more. We provide specialty product solutions that cover what the competition often can't. Headquartered in Amelia, Ohio, and with associates located across the United States, we are part of Munich Re's Global Specialty Insurance division. Our employees receive boundless opportunity to grow their careers and make a difference every day. This position has a hybrid schedule, 40-50% of the time in the office in Amelia, OH. Remote working arrangements will be considered for qualified candidates in other geographical locations. American Modern Insurance Group is developing a new Farm and Ranch division and we are looking for an experienced Adjuster to join our Virtual Desk team. In this role, you will have exposure to various kinds of claims such as Farm Auto, Farm Dwelling, Farm Equipment and Farm Structures. We are looking for a highly motivated and detail-oriented individual to investigate, evaluate, and settle farm and ranch claims in accordance with company policies and procedures. The successful candidate will have a strong understanding of agricultural operations, insurance principles, and claims adjusting practices. This role requires excellent communication and interpersonal skills, as well as the ability to work independently and as part of a team. Key Responsibilities: Investigate and evaluate farm and ranch claims, including but not limited to: Crop damage Livestock losses Equipment and property damage Business interruption Conduct virtual inspections and interviews with policyholders, witnesses, and other stakeholders. Gather and analyze data, including financial records, agricultural reports, and other relevant documents. Determine the extent of damages and losses, and calculate claim settlements in accordance with policy terms and conditions. Communicate claim decisions and settlements to policyholders, agents, and other stakeholders. Maintain accurate and detailed records of claims activity, including documentation of investigations, evaluations, and settlements. Stay up-to-date with industry developments, regulatory changes, and company policies and procedures. Qualifications Bachelor's degree in a relevant field (e.g., business, construction management, or a related field). At least two years of experience in farm and ranch claims adjusting Strong knowledge of agricultural operations, including crop and livestock production Familiarity with insurance principles, including policy terms, conditions, and exclusions Excellent communication, interpersonal, and problem-solving skills Ability to work independently and as part of a team Strong analytical and organizational skills, with attention to detail and ability to prioritize tasks Proficient in Microsoft Office, with ability to learn company-specific software and systems We are proud to offer our employees, their domestic partners, and their children, a wide range of insurance benefits: Two options for your health insurance plan (PPO or High Deductible). Prescription drug coverage (included in your health insurance plan). Vision and dental insurance plans. Additional insurance coverages provided at no cost to you, such as basic life insurance equal to 1x annual salary and AD&D coverage that is equal to 1x annual salary. Short and Long Term Disability coverage. Supplemental Life and AD&D plans that you can purchase for yourself and dependents (includes Spouse/domestic partner and children). Voluntary Benefit plans that supplement your health and life insurance plans (Accident, Critical Illness and Hospital Indemnity). In addition to the above insurance offerings, our employees also enjoy: A robust 401k plan with up to a 5% employer match. A retirement savings plan that is 100% company funded. Paid time off that begins with 24 days each year, with more days added when you celebrate milestone service anniversaries. Eligibility to receive a yearly bonus as a Munich Re employee. A variety of health and wellness programs provided at no cost. Paid time off for eligible family care needs. Tuition assistance and educational achievement bonuses. A corporate matching gifts program that further enhances your charitable donation. Paid time off to volunteer in your community. The salary range for this role is between $60,000 and $100,000 annually plus bonus and benefits mentioned above. At American Modern, we see Diversity and Inclusion as a solution to the challenges and opportunities all around us. Our goal is to foster an inclusive culture and build a workforce that reflects the communities in which we live and work. We strive to provide a workplace where all of our colleagues feel respected, valued and empowered to achieve their very best every day. We recruit and talent with a focus on providing our customers the most innovative products and services. We are an equal opportunity employer. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Apply Now Save job
    $60k-100k yearly 4d ago
  • Farm and Ranch Claims Adjuster

    Munich Re 4.9company rating

    Houston, TX jobs

    All locations Amelia, United States; Austin, United States; Atlanta, United States; Charlotte, United States; Columbus, United States; Dallas, United States; Denver, United States; Des Moines, United States; Houston, United States; Philadelphia, United States; American Modern Insurance Group, Inc., a Munich Re company, is a widely recognized specialty insurance leader that delivers products and services for residential property - such as manufactured homes and specialty dwellings - and the recreational market, including boats, personal watercraft, classic cars, and more. We provide specialty product solutions that cover what the competition often can't. Headquartered in Amelia, Ohio, and with associates located across the United States, we are part of Munich Re's Global Specialty Insurance division. Our employees receive boundless opportunity to grow their careers and make a difference every day. This position has a hybrid schedule, 40-50% of the time in the office in Amelia, OH. Remote working arrangements will be considered for qualified candidates in other geographical locations. American Modern Insurance Group is developing a new Farm and Ranch division and we are looking for an experienced Adjuster to join our Virtual Desk team. In this role, you will have exposure to various kinds of claims such as Farm Auto, Farm Dwelling, Farm Equipment and Farm Structures. We are looking for a highly motivated and detail-oriented individual to investigate, evaluate, and settle farm and ranch claims in accordance with company policies and procedures. The successful candidate will have a strong understanding of agricultural operations, insurance principles, and claims adjusting practices. This role requires excellent communication and interpersonal skills, as well as the ability to work independently and as part of a team. Key Responsibilities: Investigate and evaluate farm and ranch claims, including but not limited to: Crop damage Livestock losses Equipment and property damage Business interruption Conduct virtual inspections and interviews with policyholders, witnesses, and other stakeholders. Gather and analyze data, including financial records, agricultural reports, and other relevant documents. Determine the extent of damages and losses, and calculate claim settlements in accordance with policy terms and conditions. Communicate claim decisions and settlements to policyholders, agents, and other stakeholders. Maintain accurate and detailed records of claims activity, including documentation of investigations, evaluations, and settlements. Stay up-to-date with industry developments, regulatory changes, and company policies and procedures. Qualifications Bachelor's degree in a relevant field (e.g., business, construction management, or a related field). At least two years of experience in farm and ranch claims adjusting Strong knowledge of agricultural operations, including crop and livestock production Familiarity with insurance principles, including policy terms, conditions, and exclusions Excellent communication, interpersonal, and problem-solving skills Ability to work independently and as part of a team Strong analytical and organizational skills, with attention to detail and ability to prioritize tasks Proficient in Microsoft Office, with ability to learn company-specific software and systems We are proud to offer our employees, their domestic partners, and their children, a wide range of insurance benefits: Two options for your health insurance plan (PPO or High Deductible). Prescription drug coverage (included in your health insurance plan). Vision and dental insurance plans. Additional insurance coverages provided at no cost to you, such as basic life insurance equal to 1x annual salary and AD&D coverage that is equal to 1x annual salary. Short and Long Term Disability coverage. Supplemental Life and AD&D plans that you can purchase for yourself and dependents (includes Spouse/domestic partner and children). Voluntary Benefit plans that supplement your health and life insurance plans (Accident, Critical Illness and Hospital Indemnity). In addition to the above insurance offerings, our employees also enjoy: A robust 401k plan with up to a 5% employer match. A retirement savings plan that is 100% company funded. Paid time off that begins with 24 days each year, with more days added when you celebrate milestone service anniversaries. Eligibility to receive a yearly bonus as a Munich Re employee. A variety of health and wellness programs provided at no cost. Paid time off for eligible family care needs. Tuition assistance and educational achievement bonuses. A corporate matching gifts program that further enhances your charitable donation. Paid time off to volunteer in your community. The salary range for this role is between $60,000 and $100,000 annually plus bonus and benefits mentioned above. At American Modern, we see Diversity and Inclusion as a solution to the challenges and opportunities all around us. Our goal is to foster an inclusive culture and build a workforce that reflects the communities in which we live and work. We strive to provide a workplace where all of our colleagues feel respected, valued and empowered to achieve their very best every day. We recruit and talent with a focus on providing our customers the most innovative products and services. We are an equal opportunity employer. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Apply Now Save job
    $60k-100k yearly 4d ago
  • Farm and Ranch Claims Adjuster

    Munich Re 4.9company rating

    Atlanta, GA jobs

    All locations Amelia, United States; Austin, United States; Atlanta, United States; Charlotte, United States; Columbus, United States; Dallas, United States; Denver, United States; Des Moines, United States; Houston, United States; Philadelphia, United States; American Modern Insurance Group, Inc., a Munich Re company, is a widely recognized specialty insurance leader that delivers products and services for residential property - such as manufactured homes and specialty dwellings - and the recreational market, including boats, personal watercraft, classic cars, and more. We provide specialty product solutions that cover what the competition often can't. Headquartered in Amelia, Ohio, and with associates located across the United States, we are part of Munich Re's Global Specialty Insurance division. Our employees receive boundless opportunity to grow their careers and make a difference every day. This position has a hybrid schedule, 40-50% of the time in the office in Amelia, OH. Remote working arrangements will be considered for qualified candidates in other geographical locations. American Modern Insurance Group is developing a new Farm and Ranch division and we are looking for an experienced Adjuster to join our Virtual Desk team. In this role, you will have exposure to various kinds of claims such as Farm Auto, Farm Dwelling, Farm Equipment and Farm Structures. We are looking for a highly motivated and detail-oriented individual to investigate, evaluate, and settle farm and ranch claims in accordance with company policies and procedures. The successful candidate will have a strong understanding of agricultural operations, insurance principles, and claims adjusting practices. This role requires excellent communication and interpersonal skills, as well as the ability to work independently and as part of a team. Key Responsibilities: Investigate and evaluate farm and ranch claims, including but not limited to: Crop damage Livestock losses Equipment and property damage Business interruption Conduct virtual inspections and interviews with policyholders, witnesses, and other stakeholders. Gather and analyze data, including financial records, agricultural reports, and other relevant documents. Determine the extent of damages and losses, and calculate claim settlements in accordance with policy terms and conditions. Communicate claim decisions and settlements to policyholders, agents, and other stakeholders. Maintain accurate and detailed records of claims activity, including documentation of investigations, evaluations, and settlements. Stay up-to-date with industry developments, regulatory changes, and company policies and procedures. Qualifications Bachelor's degree in a relevant field (e.g., business, construction management, or a related field). At least two years of experience in farm and ranch claims adjusting Strong knowledge of agricultural operations, including crop and livestock production Familiarity with insurance principles, including policy terms, conditions, and exclusions Excellent communication, interpersonal, and problem-solving skills Ability to work independently and as part of a team Strong analytical and organizational skills, with attention to detail and ability to prioritize tasks Proficient in Microsoft Office, with ability to learn company-specific software and systems We are proud to offer our employees, their domestic partners, and their children, a wide range of insurance benefits: Two options for your health insurance plan (PPO or High Deductible). Prescription drug coverage (included in your health insurance plan). Vision and dental insurance plans. Additional insurance coverages provided at no cost to you, such as basic life insurance equal to 1x annual salary and AD&D coverage that is equal to 1x annual salary. Short and Long Term Disability coverage. Supplemental Life and AD&D plans that you can purchase for yourself and dependents (includes Spouse/domestic partner and children). Voluntary Benefit plans that supplement your health and life insurance plans (Accident, Critical Illness and Hospital Indemnity). In addition to the above insurance offerings, our employees also enjoy: A robust 401k plan with up to a 5% employer match. A retirement savings plan that is 100% company funded. Paid time off that begins with 24 days each year, with more days added when you celebrate milestone service anniversaries. Eligibility to receive a yearly bonus as a Munich Re employee. A variety of health and wellness programs provided at no cost. Paid time off for eligible family care needs. Tuition assistance and educational achievement bonuses. A corporate matching gifts program that further enhances your charitable donation. Paid time off to volunteer in your community. The salary range for this role is between $60,000 and $100,000 annually plus bonus and benefits mentioned above. At American Modern, we see Diversity and Inclusion as a solution to the challenges and opportunities all around us. Our goal is to foster an inclusive culture and build a workforce that reflects the communities in which we live and work. We strive to provide a workplace where all of our colleagues feel respected, valued and empowered to achieve their very best every day. We recruit and talent with a focus on providing our customers the most innovative products and services. We are an equal opportunity employer. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Apply Now Save job
    $60k-100k yearly 4d ago
  • Farm and Ranch Claims Adjuster

    Munich Re 4.9company rating

    Dallas, TX jobs

    All locations Amelia, United States; Austin, United States; Atlanta, United States; Charlotte, United States; Columbus, United States; Dallas, United States; Denver, United States; Des Moines, United States; Houston, United States; Philadelphia, United States; American Modern Insurance Group, Inc., a Munich Re company, is a widely recognized specialty insurance leader that delivers products and services for residential property - such as manufactured homes and specialty dwellings - and the recreational market, including boats, personal watercraft, classic cars, and more. We provide specialty product solutions that cover what the competition often can't. Headquartered in Amelia, Ohio, and with associates located across the United States, we are part of Munich Re's Global Specialty Insurance division. Our employees receive boundless opportunity to grow their careers and make a difference every day. This position has a hybrid schedule, 40-50% of the time in the office in Amelia, OH. Remote working arrangements will be considered for qualified candidates in other geographical locations. American Modern Insurance Group is developing a new Farm and Ranch division and we are looking for an experienced Adjuster to join our Virtual Desk team. In this role, you will have exposure to various kinds of claims such as Farm Auto, Farm Dwelling, Farm Equipment and Farm Structures. We are looking for a highly motivated and detail-oriented individual to investigate, evaluate, and settle farm and ranch claims in accordance with company policies and procedures. The successful candidate will have a strong understanding of agricultural operations, insurance principles, and claims adjusting practices. This role requires excellent communication and interpersonal skills, as well as the ability to work independently and as part of a team. Key Responsibilities: Investigate and evaluate farm and ranch claims, including but not limited to: Crop damage Livestock losses Equipment and property damage Business interruption Conduct virtual inspections and interviews with policyholders, witnesses, and other stakeholders. Gather and analyze data, including financial records, agricultural reports, and other relevant documents. Determine the extent of damages and losses, and calculate claim settlements in accordance with policy terms and conditions. Communicate claim decisions and settlements to policyholders, agents, and other stakeholders. Maintain accurate and detailed records of claims activity, including documentation of investigations, evaluations, and settlements. Stay up-to-date with industry developments, regulatory changes, and company policies and procedures. Qualifications Bachelor's degree in a relevant field (e.g., business, construction management, or a related field). At least two years of experience in farm and ranch claims adjusting Strong knowledge of agricultural operations, including crop and livestock production Familiarity with insurance principles, including policy terms, conditions, and exclusions Excellent communication, interpersonal, and problem-solving skills Ability to work independently and as part of a team Strong analytical and organizational skills, with attention to detail and ability to prioritize tasks Proficient in Microsoft Office, with ability to learn company-specific software and systems We are proud to offer our employees, their domestic partners, and their children, a wide range of insurance benefits: Two options for your health insurance plan (PPO or High Deductible). Prescription drug coverage (included in your health insurance plan). Vision and dental insurance plans. Additional insurance coverages provided at no cost to you, such as basic life insurance equal to 1x annual salary and AD&D coverage that is equal to 1x annual salary. Short and Long Term Disability coverage. Supplemental Life and AD&D plans that you can purchase for yourself and dependents (includes Spouse/domestic partner and children). Voluntary Benefit plans that supplement your health and life insurance plans (Accident, Critical Illness and Hospital Indemnity). In addition to the above insurance offerings, our employees also enjoy: A robust 401k plan with up to a 5% employer match. A retirement savings plan that is 100% company funded. Paid time off that begins with 24 days each year, with more days added when you celebrate milestone service anniversaries. Eligibility to receive a yearly bonus as a Munich Re employee. A variety of health and wellness programs provided at no cost. Paid time off for eligible family care needs. Tuition assistance and educational achievement bonuses. A corporate matching gifts program that further enhances your charitable donation. Paid time off to volunteer in your community. The salary range for this role is between $60,000 and $100,000 annually plus bonus and benefits mentioned above. At American Modern, we see Diversity and Inclusion as a solution to the challenges and opportunities all around us. Our goal is to foster an inclusive culture and build a workforce that reflects the communities in which we live and work. We strive to provide a workplace where all of our colleagues feel respected, valued and empowered to achieve their very best every day. We recruit and talent with a focus on providing our customers the most innovative products and services. We are an equal opportunity employer. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Apply Now Save job
    $60k-100k yearly 4d ago
  • Farm and Ranch Claims Adjuster

    Munich Re 4.9company rating

    Philadelphia, PA jobs

    All locations Amelia, United States; Austin, United States; Atlanta, United States; Charlotte, United States; Columbus, United States; Dallas, United States; Denver, United States; Des Moines, United States; Houston, United States; Philadelphia, United States; American Modern Insurance Group, Inc., a Munich Re company, is a widely recognized specialty insurance leader that delivers products and services for residential property - such as manufactured homes and specialty dwellings - and the recreational market, including boats, personal watercraft, classic cars, and more. We provide specialty product solutions that cover what the competition often can't. Headquartered in Amelia, Ohio, and with associates located across the United States, we are part of Munich Re's Global Specialty Insurance division. Our employees receive boundless opportunity to grow their careers and make a difference every day. This position has a hybrid schedule, 40-50% of the time in the office in Amelia, OH. Remote working arrangements will be considered for qualified candidates in other geographical locations. American Modern Insurance Group is developing a new Farm and Ranch division and we are looking for an experienced Adjuster to join our Virtual Desk team. In this role, you will have exposure to various kinds of claims such as Farm Auto, Farm Dwelling, Farm Equipment and Farm Structures. We are looking for a highly motivated and detail-oriented individual to investigate, evaluate, and settle farm and ranch claims in accordance with company policies and procedures. The successful candidate will have a strong understanding of agricultural operations, insurance principles, and claims adjusting practices. This role requires excellent communication and interpersonal skills, as well as the ability to work independently and as part of a team. Key Responsibilities: Investigate and evaluate farm and ranch claims, including but not limited to: Crop damage Livestock losses Equipment and property damage Business interruption Conduct virtual inspections and interviews with policyholders, witnesses, and other stakeholders. Gather and analyze data, including financial records, agricultural reports, and other relevant documents. Determine the extent of damages and losses, and calculate claim settlements in accordance with policy terms and conditions. Communicate claim decisions and settlements to policyholders, agents, and other stakeholders. Maintain accurate and detailed records of claims activity, including documentation of investigations, evaluations, and settlements. Stay up-to-date with industry developments, regulatory changes, and company policies and procedures. Qualifications Bachelor's degree in a relevant field (e.g., business, construction management, or a related field). At least two years of experience in farm and ranch claims adjusting Strong knowledge of agricultural operations, including crop and livestock production Familiarity with insurance principles, including policy terms, conditions, and exclusions Excellent communication, interpersonal, and problem-solving skills Ability to work independently and as part of a team Strong analytical and organizational skills, with attention to detail and ability to prioritize tasks Proficient in Microsoft Office, with ability to learn company-specific software and systems We are proud to offer our employees, their domestic partners, and their children, a wide range of insurance benefits: Two options for your health insurance plan (PPO or High Deductible). Prescription drug coverage (included in your health insurance plan). Vision and dental insurance plans. Additional insurance coverages provided at no cost to you, such as basic life insurance equal to 1x annual salary and AD&D coverage that is equal to 1x annual salary. Short and Long Term Disability coverage. Supplemental Life and AD&D plans that you can purchase for yourself and dependents (includes Spouse/domestic partner and children). Voluntary Benefit plans that supplement your health and life insurance plans (Accident, Critical Illness and Hospital Indemnity). In addition to the above insurance offerings, our employees also enjoy: A robust 401k plan with up to a 5% employer match. A retirement savings plan that is 100% company funded. Paid time off that begins with 24 days each year, with more days added when you celebrate milestone service anniversaries. Eligibility to receive a yearly bonus as a Munich Re employee. A variety of health and wellness programs provided at no cost. Paid time off for eligible family care needs. Tuition assistance and educational achievement bonuses. A corporate matching gifts program that further enhances your charitable donation. Paid time off to volunteer in your community. The salary range for this role is between $60,000 and $100,000 annually plus bonus and benefits mentioned above. At American Modern, we see Diversity and Inclusion as a solution to the challenges and opportunities all around us. Our goal is to foster an inclusive culture and build a workforce that reflects the communities in which we live and work. We strive to provide a workplace where all of our colleagues feel respected, valued and empowered to achieve their very best every day. We recruit and talent with a focus on providing our customers the most innovative products and services. We are an equal opportunity employer. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Apply Now Save job
    $60k-100k yearly 4d ago
  • Automotive Claims Adjuster

    First Chicago Insurance Company 4.3company rating

    Oak Brook, IL jobs

    We are First Chicago Insurance Company! We currently have offices in Bedford Park, IL, (about one mile south of Chicago Midway Airport), as well as Richardson, Texas (Dallas area). Due to our significant growth, we are pleased to announce that we have a new Claims office in Oak Brook, IL! If you are an experienced Non-Standard Auto CLAIMS PROFFESSIONAL (with many years of auto and especially nonstandard auto related experience) we'll make sure you are COMPENSATED AS A PROFFESSIONAL!! We are seeking experienced Non-Standard Auto Liability Claims Specialist to join our new office in Oak Brook! This talented individual must possess previous experience in the investigation, determination of coverage, prompt evaluation of both First- and Third-Party auto property damage claims with an eye towards prompt, courteous and economical resolution of both First and Third Party related property damage claims. DUTIES & RESPONSIBILITIES: Review and determine course of action on each file assigned, utilizing technical knowledge and experience for the purpose of supporting final disposition of a loss Conduct thorough investigations and keep accurate and relevant documentation of file activity on each claim assigned including coverage liability, status and damages that are applicable for each claim Honor/decline/negotiate first and third-party liability claims upon completion of coverage/policy investigation and analysis of damages and liability Work directly with internal and external customers to develop evidence and establish facts on assigned claims Organize, plan and prioritize work activities to keep up with current assignments and to ensure prompt conclusion of claims Prepare and present claim evaluations for the appropriate settlement authority Notify the Underwriting Department of any adverse information uncovered in the course of the investigation Familiarity with unfair claim practices in states where we do business Conduct business with vendors in a professional manner while maintaining a reasonable expense factor and upholding the company's reputation for quality service Provide customer service both to internal and external customers Handle other duties as assigned QUALIFICATIONS REQUIRED: Minimum 2-3 years previous auto insurance or other auto related experience A MUST! Non-Standard Auto claims handling experience a plus! Excellent analytical, organizational, interpersonal and communication (verbal, written, phone) skills General working knowledge of policies, file procedures, state rules and regulations Ability to pass written examinations where required by state statutes to become a licensed Claims Adjuster Preferred: Prior claims experience Ability to use on-line claims system Bi-lingual a plus! First Chicago Insurance Company provides a competitive benefits package to all full- time employees. Following are some of the perks First Chicago employees receive: Competitive Salaries Flexible Work Schedules Remote and Hybrid Commitment to your Training & Development Medical and Dental Telemedicine Benefit 401k with a generous company match Paid Time Off and Paid Holidays Tuition Reimbursement Training Programs Wellness Program Fun company sponsored events And so much more!
    $38k-45k yearly est. 2d ago
  • Farm and Ranch Claims Adjuster

    Munich Re 4.9company rating

    Amelia, OH jobs

    All locations Amelia, United States; Austin, United States; Atlanta, United States; Charlotte, United States; Columbus, United States; Dallas, United States; Denver, United States; Des Moines, United States; Houston, United States; Philadelphia, United States; American Modern Insurance Group, Inc., a Munich Re company, is a widely recognized specialty insurance leader that delivers products and services for residential property - such as manufactured homes and specialty dwellings - and the recreational market, including boats, personal watercraft, classic cars, and more. We provide specialty product solutions that cover what the competition often can't. Headquartered in Amelia, Ohio, and with associates located across the United States, we are part of Munich Re's Global Specialty Insurance division. Our employees receive boundless opportunity to grow their careers and make a difference every day. This position has a hybrid schedule, 40-50% of the time in the office in Amelia, OH. Remote working arrangements will be considered for qualified candidates in other geographical locations. American Modern Insurance Group is developing a new Farm and Ranch division and we are looking for an experienced Adjuster to join our Virtual Desk team. In this role, you will have exposure to various kinds of claims such as Farm Auto, Farm Dwelling, Farm Equipment and Farm Structures. We are looking for a highly motivated and detail-oriented individual to investigate, evaluate, and settle farm and ranch claims in accordance with company policies and procedures. The successful candidate will have a strong understanding of agricultural operations, insurance principles, and claims adjusting practices. This role requires excellent communication and interpersonal skills, as well as the ability to work independently and as part of a team. Key Responsibilities: Investigate and evaluate farm and ranch claims, including but not limited to: Crop damage Livestock losses Equipment and property damage Business interruption Conduct virtual inspections and interviews with policyholders, witnesses, and other stakeholders. Gather and analyze data, including financial records, agricultural reports, and other relevant documents. Determine the extent of damages and losses, and calculate claim settlements in accordance with policy terms and conditions. Communicate claim decisions and settlements to policyholders, agents, and other stakeholders. Maintain accurate and detailed records of claims activity, including documentation of investigations, evaluations, and settlements. Stay up-to-date with industry developments, regulatory changes, and company policies and procedures. Qualifications Bachelor's degree in a relevant field (e.g., business, construction management, or a related field). At least two years of experience in farm and ranch claims adjusting Strong knowledge of agricultural operations, including crop and livestock production Familiarity with insurance principles, including policy terms, conditions, and exclusions Excellent communication, interpersonal, and problem-solving skills Ability to work independently and as part of a team Strong analytical and organizational skills, with attention to detail and ability to prioritize tasks Proficient in Microsoft Office, with ability to learn company-specific software and systems We are proud to offer our employees, their domestic partners, and their children, a wide range of insurance benefits: Two options for your health insurance plan (PPO or High Deductible). Prescription drug coverage (included in your health insurance plan). Vision and dental insurance plans. Additional insurance coverages provided at no cost to you, such as basic life insurance equal to 1x annual salary and AD&D coverage that is equal to 1x annual salary. Short and Long Term Disability coverage. Supplemental Life and AD&D plans that you can purchase for yourself and dependents (includes Spouse/domestic partner and children). Voluntary Benefit plans that supplement your health and life insurance plans (Accident, Critical Illness and Hospital Indemnity). In addition to the above insurance offerings, our employees also enjoy: A robust 401k plan with up to a 5% employer match. A retirement savings plan that is 100% company funded. Paid time off that begins with 24 days each year, with more days added when you celebrate milestone service anniversaries. Eligibility to receive a yearly bonus as a Munich Re employee. A variety of health and wellness programs provided at no cost. Paid time off for eligible family care needs. Tuition assistance and educational achievement bonuses. A corporate matching gifts program that further enhances your charitable donation. Paid time off to volunteer in your community. The salary range for this role is between $60,000 and $100,000 annually plus bonus and benefits mentioned above. At American Modern, we see Diversity and Inclusion as a solution to the challenges and opportunities all around us. Our goal is to foster an inclusive culture and build a workforce that reflects the communities in which we live and work. We strive to provide a workplace where all of our colleagues feel respected, valued and empowered to achieve their very best every day. We recruit and talent with a focus on providing our customers the most innovative products and services. We are an equal opportunity employer. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Apply Now Save job
    $60k-100k yearly 4d ago
  • Property Field Claims Adjuster (St. Paul, MN)

    American Family Insurance 4.5company rating

    North Saint Paul, MN jobs

    You will work in the field and report to the Property Claim Manager, and handle homeowner property field claims in the St. Paul, MN area. You must be located within this metro area. A company fleet vehicle is provided with the position and there's an option to use the vehicle for personal use. In this primarily field-based role, you will spend 80% of your time working in the field, directly interacting with customers. On occasion, you may be asked to travel to an office location for in-person engagement activities such as team meetings, training, and cultural events Position Compensation Range: $57,000.00 - $94,000.00 Pay Rate Type: Salary Compensation may vary based on the job level and your geographic work location. Relocation support is offered for eligible candidates. Primary Accountabilities Investigates origin and cause of claims by contacting the appropriate parties including insureds, claimants, agents, attorneys, contractors, experts, special investigation unit, other adjusters, public personnel, etc. Identifies complex issues and seeks assistance as needed. Handles claims on a good faith basis. Handles both 1st party and 3rd party claims under multiple policy types and numerous endorsements. Conducts on-site inspections when needed, evaluates damages, and handles claim negotiations with insureds, claimants, attorneys, public adjusters. Responds to customer inquiries, makes appropriate decisions and closes file as needed. Interprets and determines policies, leases, by-laws, declarations, articles and contract coverages and applies to all parties for assigned losses. Proactively provides all parties with claim process and status as appropriate; answers questions or redirects to other areas. May be required to complete other assignments, job duties, or participate in projects based upon skills, achievements, or experience. Specialized Knowledge & Skills Requirements Demonstrated experience providing customer-driven solutions, support, or service. Demonstrated experience handling 1st and 3rd party, multi-line claims across our operating territories, or other equivalent experience. Demonstrated experience handling moderately complex claims, or other equivalent experience. Solid knowledge and understanding of policies and endorsements related to casualty coverages, or other equivalent knowledge. Solid knowledge and understanding of each phase of the claim handling process, or other equivalent knowledge. Licenses Valid driver's license required plus an acceptable driving record. Obtain state specific property casualty claims licensing as required. Travel Requirements Up to 50%. Catastrophe duty up to 75% as applicable. Physical Requirements Ascending or descending ladders, stairs, scaffolding, ramps, poles and the like. This position may require employees to visit areas that have a higher hazard than a typical office such as customer homes, body shops, or other locations. Moving self in different positions to accomplish tasks in various environments including tight and confined spaces. Adjusting or moving objects up to 50 pounds in all directions. Working Conditions Low temperatures. High temperatures. Outdoor elements such as precipitation and wind. Noisy environments. Hazardous conditions. Poor ventilation. Small and/or enclosed spaces. Additional Information Offer to selected candidate will be made contingent on the results of applicable background checks Offer to selected candidate is contingent on signing a non-disclosure agreement for proprietary information, trade secrets, and inventions Sponsorship will not be considered for this position unless specified in the posting The candidate(s) selected for this role will be employed by AFICS, Inc. (American Family Insurance Claims Services, Inc.), an affiliate of American Family Mutual Insurance Company, S.I #LI-Remote We provide benefits that support your physical, emotional, and financial wellbeing. You will have access to comprehensive medical, dental, vision and wellbeing benefits that enable you to take care of your health. We also offer a competitive 401(k) contribution, a pension plan, an annual incentive, 9 paid holidays and a paid time off program (23 days accrued annually for full-time employees). In addition, our student loan repayment program and paid-family leave are available to support our employees and their families. Interns and contingent workers are not eligible for American Family Insurance Group benefits. We are an equal opportunity employer. It is our policy to comply with all applicable federal, state and local laws pertaining to non-discrimination, non-harassment and equal opportunity. We also consider qualified applicants with criminal histories, consistent with applicable federal, state and local law. American Family Insurance is committed to the full inclusion of all qualified individuals. If a reasonable accommodation is needed to participate in the job application or interview process, to perform essential job functions, and/or to receive other benefits and privileges of employment, please email to request a reasonable accommodation. #LI-MR1
    $57k-94k yearly 4d ago
  • Liability Adjuster

    Munich Re 4.9company rating

    Amelia, OH jobs

    American Modern Insurance Group, Inc., a Munich Re company, is a widely recognized specialty insurance leader that delivers products and services for residential property - such as manufactured homes and specialty dwellings - and the recreational market, including boats, personal watercraft, classic cars, and more. We provide specialty product solutions that cover what the competition often can't. Headquartered in Amelia, Ohio, and with associates located across the United States, we are part of Munich Re's Global Specialty Insurance division. Our employees receive boundless opportunity to grow their careers and make a difference every day. American Modern Insurance Group offers flexibility with our hybrid work environment. Employees are typically in the office 40-50% of the time to allow for face to face collaboration. We are located in Amelia, OH, a suburb of Cincinnati, Ohio. Candidates must be located near our office. American Modern Insurance Group is seeking an experienced Liability Adjuster to join our Liability team. We are looking for a skilled professional with at least four years of experience in handling auto and premise liability claims. As a Liability Adjuster, you will be responsible for managing auto and premise liability claims within a designated region or nationwide. Your key responsibilities will include determining coverage, liability, and damages, and exercising independent discretion and judgment in claim handling. What You'll Do: Analyze, investigate, and assess the applicability of coverage under the policy. Conduct necessary investigative activity including securing recorded statements, obtaining relevant documentation, and utilizing experts and independent adjusters. Investigate and document claimed damages adhering to established claims processes/workflows. Evaluate and negotiate settlement of bodily injury and property damage claims with individuals and attorneys. Adhere to state mandated compliance requirements. Identify and refer appropriately when fraud, salvage, subrogation, and/or litigation potential exists. Manage external vendors to productively handle claims and service our customer while controlling expenses. You may be a good fit, if you: At least four or more years of Auto, Premises Property damage and Bodily Injury claims handling experience. Experience with claims systems and applications as well as Microsoft Office products. Proven research and investigative skills. Must be a self-motivating, results-driven individual, who is comfortable with change. Ability and desire to work with limited direction and multi-task in a fast-paced and "team first" environment. Good understanding of insurance and medical terminology required. Demonstrated problem-solving and decision-making skills. Proven analytical abilities to review and analyze data. Industry-related training or coursework such as AIC, CPCU, or SCLA Applicants requiring employer sponsorship of a visa will not be considered for this position. We are proud to offer our employees, their domestic partners, and their children, a wide range of insurance benefits: Two options for your health insurance plan (PPO or High Deductible). Prescription drug coverage (included in your health insurance plan). Vision and dental insurance plans. Additional insurance coverages provided at no cost to you, such as basic life insurance equal to 1x annual salary and AD&D coverage that is equal to 1x annual salary. Short and Long Term Disability coverage. Supplemental Life and AD&D plans that you can purchase for yourself and dependents (includes Spouse/domestic partner and children). Voluntary Benefit plans that supplement your health and life insurance plans (Accident, Critical Illness and Hospital Indemnity). In addition to the above insurance offerings, our employees also enjoy: A robust 401k plan with up to a 5% employer match A retirement savings plan that is 100% company funded. Paid time off that begins with 24 days each year, with more days added when you celebrate milestone service anniversaries. Eligibility to receive a yearly bonus as a Munich Re employee. A variety of health and wellness programs provided at no cost. Paid time off for eligible family care needs. Tuition assistance and educational achievement bonuses. A corporate matching gifts program that further enhances your charitable donation. Paid time off to volunteer in your community. If you're looking for a new challenge or a company where you can grow and develop your skills, we encourage you to apply for this exciting opportunity. Join our team and start building a rewarding career with American Modern Insurance Group, Inc. At American Modern, we see Diversity and Inclusion as a solution to the challenges and opportunities all around us. Our goal is to foster an inclusive culture and build a workforce that reflects the communities in which we live and work. We strive to provide a workplace where all of our colleagues feel respected, valued and empowered to achieve their very best every day. We recruit and talent with a focus on providing our customers the most innovative products and services. Apply Now Save job
    $47k-60k yearly est. 3d ago
  • Experienced CA WC Adjuster - Remote - Multi-Industry (Trucking, Staffing, Valet)

    Cannon Cochran Management 4.0company rating

    Irvine, CA jobs

    Overview Workers' Compensation Claim Consultant (CA Jurisdiction Only) - Remote Salary: $77,000-$87,000 annually Schedule: Monday-Friday, 8:00 AM-4:30 PM PST Experience Required: 5+ Years (Litigated & Some Complex Claims) 🚨 Please Note This is not an HR, risk management, or consulting position. This is an experienced California Workers' Compensation adjusting role requiring hands-on claim investigation, evaluation, negotiation, and settlement. Candidates must have direct experience investigating, evaluating, reserving, negotiating, and resolving claims as an adjuster or adjuster supervisor within a carrier, TPA, or similar claims environment. Applicants without hands-on adjusting experience will not be considered. Build Your Career With Purpose at CCMSI At CCMSI, we partner with global clients to solve their most complex risk management challenges, delivering measurable results through advanced technology, collaborative problem-solving, and an unwavering commitment to their success. We don't just process claims-we support people. As the largest privately owned Third Party Administrator (TPA), CCMSI delivers customized claim solutions that help our clients protect their employees, assets, and reputations. We are a certified Great Place to Work , and our employee-owners are empowered to grow, collaborate, and make meaningful contributions every day. Job Summary We're seeking an experienced Workers' Compensation Claim Consultant to handle California jurisdiction claims for a multi-account desk supporting clients in the trucking & warehouse, valet/shuttle services, and staffing agency industries. This fully remote position requires strong litigated claim handling experience, the ability to independently manage complex files, and a commitment to CCMSI's best practice standards. You'll join a collaborative team of four other consultants, working together to deliver high-quality, timely, and accurate claim service to our clients. Responsibilities When we hire adjusters at CCMSI, we look for professionals who understand that every claim represents a real person's livelihood, take ownership of outcomes, and see challenges as opportunities to solve problems. Conduct timely 3-point contact per CCMSI best practices. Investigate, evaluate, and adjust California workers' compensation claims with independence and sound judgment. Establish, maintain, and justify detailed reserve levels. Administer indemnity and award payments in accordance with CA jurisdictional requirements. Negotiate settlements consistent with corporate standards, client instructions, and state law. Maintain a current and thorough diary, ensuring all deadlines and statutory requirements are met. Pursue subrogation recovery as applicable. Prepare claim status reports, reserve analyses, and updates for client meetings. Conduct claim reviews with clients and participate in discussions as needed. Communicate effectively with injured workers, employers, providers, and attorneys throughout the claim lifecycle. Ensure all documentation meets CCMSI best practice requirements. Qualifications Qualifications - Required 5+ years of California WC adjusting experience, including litigated files and some complex exposure. Adjuster designation required. Strong working knowledge of California WC laws, timelines, benefits, and litigation processes. Proficiency with Microsoft Office (Word, Excel, Outlook). Excellent written and verbal communication skills, critical thinking, and decision-making ability. Nice to Have SIP certification preferred. Strong documentation habits per CCMSI best practices. Experience presenting or conducting client reviews. Bilingual (Spanish) proficiency - highly valued for communicating with claimants, employers, or vendors, but not required. Work Environment & Travel Remote role reporting to the Irvine, CA branch. Occasional travel to the office may be required for rare mandatory in-office meetings. Why You'll Love Working Here 4 weeks PTO + 10 paid holidays in your first year Comprehensive benefits: Medical, Dental, Vision, Life, and Disability Insurance Retirement plans: 401(k) and Employee Stock Ownership Plan (ESOP) Career growth: Internal training and advancement opportunities Culture: A supportive, team-based work environment How We Measure Success At CCMSI, great adjusters stand out through ownership, accuracy, and impact. We measure success by: Quality claim handling - thorough investigations, strong documentation, well-supported decisions • Compliance & audit performance - adherence to jurisdictional and client standards • Timeliness & accuracy - purposeful file movement and dependable execution • Client partnership - proactive communication and strong follow-through • Professional judgment - owning outcomes and solving problems with integrity • Cultural alignment - believing every claim represents a real person and acting accordingly This is where we shine, and we hire adjusters who want to shine with us. Compensation & Compliance The posted salary reflects CCMSI's good-faith estimate in accordance with applicable pay transparency laws. Actual compensation will be based on qualifications, experience, geographic location, and internal equity. Visa Sponsorship: CCMSI does not provide visa sponsorship for this position. ADA Accommodations: CCMSI is committed to providing reasonable accommodations throughout the application and hiring process. Equal Opportunity Employer: CCMSI complies with all applicable employment laws, including pay transparency and fair chance hiring regulations. Our Core Values At CCMSI, we believe in doing what's right-for our clients, our coworkers, and ourselves. We look for team members who: Lead with transparency We build trust by being open and listening intently in every interaction. Perform with integrity We choose the right path, even when it is hard. Chase excellence We set the bar high and measure our success. What gets measured gets done. Own the outcome Every employee is an owner, treating every claim, every decision, and every result as our own. Win together Our greatest victories come when our clients succeed. We don't just work together-we grow together. If that sounds like your kind of workplace, we'd love to meet you. #EmployeeOwned #GreatPlaceToWorkCertified #CCMSICareers #WorkersCompJobs #CaliforniaAdjuster #RemoteJobs #ClaimsConsultant #InsuranceCareers #AdjusterLife #NowHiring #LI-Remote We can recommend jobs specifically for you! Click here to get started.
    $77k-87k yearly Auto-Apply 15d ago
  • Experienced CA WC Adjuster - Remote - Multi-Industry (Trucking, Staffing, Valet)

    Ccmsi 4.0company rating

    Irvine, CA jobs

    Overview Workers' Compensation Claim Consultant (CA Jurisdiction Only) - Remote Salary: $77,000-$87,000 annually Schedule: Monday-Friday, 8:00 AM-4:30 PM PST Experience Required: 5+ Years (Litigated & Some Complex Claims) 🚨 Please Note This is not an HR, risk management, or consulting position. This is an experienced California Workers' Compensation adjusting role requiring hands-on claim investigation, evaluation, negotiation, and settlement. Candidates must have direct experience investigating, evaluating, reserving, negotiating, and resolving claims as an adjuster or adjuster supervisor within a carrier, TPA, or similar claims environment. Applicants without hands-on adjusting experience will not be considered. Build Your Career With Purpose at CCMSI At CCMSI, we partner with global clients to solve their most complex risk management challenges, delivering measurable results through advanced technology, collaborative problem-solving, and an unwavering commitment to their success. We don't just process claims-we support people. As the largest privately owned Third Party Administrator (TPA), CCMSI delivers customized claim solutions that help our clients protect their employees, assets, and reputations. We are a certified Great Place to Work , and our employee-owners are empowered to grow, collaborate, and make meaningful contributions every day. Job Summary We're seeking an experienced Workers' Compensation Claim Consultant to handle California jurisdiction claims for a multi-account desk supporting clients in the trucking & warehouse, valet/shuttle services, and staffing agency industries. This fully remote position requires strong litigated claim handling experience, the ability to independently manage complex files, and a commitment to CCMSI's best practice standards. You'll join a collaborative team of four other consultants, working together to deliver high-quality, timely, and accurate claim service to our clients. Responsibilities When we hire adjusters at CCMSI, we look for professionals who understand that every claim represents a real person's livelihood, take ownership of outcomes, and see challenges as opportunities to solve problems. Conduct timely 3-point contact per CCMSI best practices. Investigate, evaluate, and adjust California workers' compensation claims with independence and sound judgment. Establish, maintain, and justify detailed reserve levels. Administer indemnity and award payments in accordance with CA jurisdictional requirements. Negotiate settlements consistent with corporate standards, client instructions, and state law. Maintain a current and thorough diary, ensuring all deadlines and statutory requirements are met. Pursue subrogation recovery as applicable. Prepare claim status reports, reserve analyses, and updates for client meetings. Conduct claim reviews with clients and participate in discussions as needed. Communicate effectively with injured workers, employers, providers, and attorneys throughout the claim lifecycle. Ensure all documentation meets CCMSI best practice requirements. Qualifications Qualifications - Required 5+ years of California WC adjusting experience, including litigated files and some complex exposure. Adjuster designation required. Strong working knowledge of California WC laws, timelines, benefits, and litigation processes. Proficiency with Microsoft Office (Word, Excel, Outlook). Excellent written and verbal communication skills, critical thinking, and decision-making ability. Nice to Have SIP certification preferred. Strong documentation habits per CCMSI best practices. Experience presenting or conducting client reviews. Bilingual (Spanish) proficiency - highly valued for communicating with claimants, employers, or vendors, but not required. Work Environment & Travel Remote role reporting to the Irvine, CA branch. Occasional travel to the office may be required for rare mandatory in-office meetings. Why You'll Love Working Here 4 weeks PTO + 10 paid holidays in your first year Comprehensive benefits: Medical, Dental, Vision, Life, and Disability Insurance Retirement plans: 401(k) and Employee Stock Ownership Plan (ESOP) Career growth: Internal training and advancement opportunities Culture: A supportive, team-based work environment How We Measure Success At CCMSI, great adjusters stand out through ownership, accuracy, and impact. We measure success by: Quality claim handling - thorough investigations, strong documentation, well-supported decisions • Compliance & audit performance - adherence to jurisdictional and client standards • Timeliness & accuracy - purposeful file movement and dependable execution • Client partnership - proactive communication and strong follow-through • Professional judgment - owning outcomes and solving problems with integrity • Cultural alignment - believing every claim represents a real person and acting accordingly This is where we shine, and we hire adjusters who want to shine with us. Compensation & Compliance The posted salary reflects CCMSI's good-faith estimate in accordance with applicable pay transparency laws. Actual compensation will be based on qualifications, experience, geographic location, and internal equity. Visa Sponsorship: CCMSI does not provide visa sponsorship for this position. ADA Accommodations: CCMSI is committed to providing reasonable accommodations throughout the application and hiring process. Equal Opportunity Employer: CCMSI complies with all applicable employment laws, including pay transparency and fair chance hiring regulations. Our Core Values At CCMSI, we believe in doing what's right-for our clients, our coworkers, and ourselves. We look for team members who: Lead with transparency We build trust by being open and listening intently in every interaction. Perform with integrity We choose the right path, even when it is hard. Chase excellence We set the bar high and measure our success. What gets measured gets done. Own the outcome Every employee is an owner, treating every claim, every decision, and every result as our own. Win together Our greatest victories come when our clients succeed. We don't just work together-we grow together. If that sounds like your kind of workplace, we'd love to meet you. #EmployeeOwned #GreatPlaceToWorkCertified #CCMSICareers #WorkersCompJobs #CaliforniaAdjuster #RemoteJobs #ClaimsConsultant #InsuranceCareers #AdjusterLife #NowHiring #LI-Remote
    $77k-87k yearly Auto-Apply 51d ago
  • Complex Adjuster Trainee

    Root Insurance 4.8company rating

    Columbus, OH jobs

    The Opportunity At Root, we offer clear career paths, structured training, and company funded licensing so adjusters can grow into their claims role with confidence. Our teams gain hands-on experience early, receive ongoing coaching, and advance through clearly defined career paths based on performance, readiness, and business needs. If you are looking to pursue a career in insurance, this opportunity might be for you! Claims Adjuster Trainee, Liability Our Claims Adjuster Trainee role offers hands-on experience, structured development, and defined advancement into complex liability work. In this role, you will complete a 6-month training program that combines formal instruction with live claim handling. You will learn how to investigate claims, evaluate coverage and liability, communicate with customers and partners, and make informed claim decisions with the support of experienced leaders. The trainee position offers a starting base salary of approximately $45,840 to $50,000, with a defined increase to $55,000 upon successful completion of training and meeting performance expectations, at which point you will transition into the Complex Adjuster role. After training, you will handle a balanced mix of claim complexity that supports continued skill development and long term success. This role is a strong fit for candidates who are motivated, customer focused, and interested in building a long term career in claims, where strong performance in the Complex Adjuster role can open opportunities in other areas such as auto physical damage, total loss, and injury claims. This position may be required to have an onsite presence in our Columbus office based on operational needs. Salary Range: $45,000 - $50,000 How You Will Make an Impact Deliver a high-quality claims experience for all policyholders and claimants by managing claims with professionalism and empathy Verify coverage and assist in determining liability for a range of accident scenarios, under guidance from senior adjusters or claims leadership Obtain detailed accident statements from drivers, passengers, and witnesses to develop clear liability perspectives Maintain consistent, prompt, and courteous contact with all involved parties throughout the claim lifecycle Use time management and organizational skills to proactively manage pending claims, tasks, and correspondence Coordinate vehicle repairs and assist customers with rental reimbursement processes Participate in team reviews of claims handling practices to strengthen understanding of policy language and claim best practices Engage in continuous learning to develop a strong understanding of: Policy interpretation Liability assessment and shared negligence scenarios Court decisions and legislation affecting claims functions Emerging claims guidelines and industry best practices Recommend process and product improvements based on observed opportunities Interact and communicate effectively with customers, peers, vendors, and managers Support the development of claims documentation and training materials as knowledge grows What You Will Need to Succeed Bachelor's degree or equivalent work experience Successful history of time management, multi-tasking, and customer-facing communication Ability to secure an adjuster insurance license within 90 days of the start date Strong written and verbal communication skills Proficient in Microsoft Office Suite and/or Google Suite High sense of professionalism while remaining empathetic Curious in nature Willingness and ability to keep learning Great attention to detail with high organizational skills Ability to approach problems with an open mind Strong decision-making capabilities Ability to complete other duties as assigned As part of Root's interview process, we kindly ask that all candidates be on camera for virtual interviews. This helps us create a more personal and engaging experience for both you and our interviewers. Being on camera is a standard requirement for our process and part of how we assess fit and communication style, so we do require it to move forward with any applicant's candidacy. If you have any concerns, feel free to let us know once you are contacted. We're happy to talk it through. Please see our Privacy Notice available HERE for more information on how we process your personal data.
    $45.8k-50k yearly 8d ago
  • PIP Appeal and Litigation Adjuster

    NJM Insurance Group 4.7company rating

    Hammonton, NJ jobs

    NJM's General Claims Legal department is seeking a PIP Appeal and Litigation (PAL) Adjuster who will be responsible for conducting a complete and thorough investigation on assigned claims and manage those claims through their life cycle. Job Responsibilities: Review, evaluate and process incoming Pre-Litigation Appeals in accordance with the PIP Internal Appeal Procedures. Review, manage and update litigated files to maximize litigation resources and ensure legal outcomes consistent with NJM litigation strategy. Evaluate and process all claims, settlements and awards consistent with the proper regulatory, statutory and NJM guidelines for the governing time periods. Communicate timely and effectively with defense counsel in preparing for trial/arbitration and attend legal proceedings as appropriate. Collaborate and communicate cross-departmentally regarding claims and appeals handling related to pending litigation. Required Skills & Qualifications: Minimum 3 years' experience working in a previous role dealing with PIP Regulations and Statutes Arbitration experience is a plus Must have strong attention to detail and ability to read, analyze and assess data Strong written and verbal communication skills Must be open to change and be able to rapidly adapt to new information or unexpected obstacles. Must be able to demonstrate strong problem-solving skills and the ability to make sound decisions Ability to multi-task Bachelor's Degree is a plus but not required Proficient skills in Microsoft, Word, Excel and Outlook. Working knowledge of all or any of the following is a plus: Guidewire Claim Center, Mitchell Decision Point, OnBase Unity Client, Agile Point Compensation: This role may be filled at PAL Adjuster, or PAL Adjuster, Senior level based on skills, experience and credentials. PAL Adjuster: $59,744 - $75,360 PAL Adjuster, Sr: $79,129 - $91,833 Compensation: Salary is commensurate with experience and credentials. Pay Range: $61,256-$77,255 Eligible full-time employees receive a competitive Total Rewards package, including but not limited to a 401(k) with employer match up to 8% and additional service-based contributions, Health, Dental, and Vision insurance, Life and Disability coverage, generous PTO, Paid Sick Leave, and paid parental leave in addition to state-mandated leave. Employees may also be eligible for discretionary bonuses. Legal Disclaimer: NJM is proud to be an equal opportunity employer. We are committed to attracting, retaining and promoting a diverse and inclusive workforce that is fully representative of the diversity that exists in the communities in which we do business.
    $79.1k-91.8k yearly Auto-Apply 10d ago
  • 1099 Adjuster Apply Here!

    Capstone ISG 3.7company rating

    Remote

    Requirements 2+ years handling property insurance claims required Candidate must have an active Xactimate account Can handle partial and full assignments Commercial and personal lines experience preferred A qualified candidate must have their own transportation, equipment and software Good writing and technology skills
    $43k-61k yearly est. 60d+ ago
  • Total Loss Adjuster

    Hagerty Insurance 4.7company rating

    Remote

    As a Total Loss Adjuster, you will handle claims where coverage is resolved and the damages to a vehicle render it a total loss. If liability is not resolved this adjuster would only handle 1st party total losses until liability is resolved. This adjuster should evaluate and settle 1st and 3rd party auto and specialty vehicle total loss claims and effectively negotiate claims to conclusion in a timely manner. Under moderate supervision using company guidelines, this adjuster should make appropriate decisions regarding settlement and resolution of the claims assigned to them. Ready to get in the driver's seat? Join us! What you'll do Makes timely and appropriate contacts with necessary parties Determines and completes appropriate level of investigation which includes but is not limited to reviewing policy contracts and communicating with underwriting Sets timely total loss reserves Notifies underwriting of total loss vehicles Obtains salvage values of total loss vehicles Prepares total loss damage evaluation, total loss letter, determination, and actual cash value of vehicle when appropriate Prepare and secure all needed paperwork Consistently provides excellent customer service Determines settlement value and negotiates proper settlement of claims within authority Provides recommendations for settlement and disposition of claims exceeding authority level Pursues subrogation when appropriate Provides backup assistance to team members when necessary Effectively manages workload and tasks to keep claims current and documented appropriately Identifies claims in which state required letters must be sent and sends those letters in a timely manner with accurate and thorough information This might describe you Prior experience in a similar role required Effective and efficient use of computer applications including MS Office products Excellent organizational skills and written and verbal communication skills Experience in multiple jurisdictions is desired Exercise decisiveness and execution within their authority Must be detailed oriented Must be able to maintain a high level of accuracy Ability to work with highly confidential information Must be licensed and bondable Ability to work independently Familiarity of public company requirements, including Sarbanes Oxley and key regulations, if applicable. Other things to note This position can be worked as remote position within the United States. Say hello to Hagerty Hagerty is an automotive enthusiast brand and the world's largest membership organization. Along with being a best-in-class provider of specialty insurance for enthusiasts, Hagerty is also home to the Hagerty Drivers Foundation, Garage + Social, Hagerty Drivers Club, Marketplace and so much more. Committed to saving driving for future generations, each and every thing Hagerty does is dedicated to the love of the automobile. Hagerty is a rapidly growing company that values a winning culture. We provide meaningful work for and invest in every single team member. At Hagerty, we share the road. We are an inclusive automotive community where all are welcomed, valued and belong regardless of race, gender, age, or car preference. We are united by our shared passion for driving, our commitment to preserve car culture for future generations and our desire to make a positive impact in the world. If you reside in the following jurisdictions: Illinois, Colorado, California, District of Columbia, Hawaii, Maryland, Minnesota, Nevada, New York, or Jersey City, New Jersey, Cincinnati or Toledo, Ohio, Rhode Island, Vermont, Washington, British Columbia, Canada please email ********************** for compensation, comprehensive benefits and the perks that set us apart. #LI-Remote EEO/AA US Benefits Overview Canada Benefits Overview UK Benefits Overview If you like wild growth and working with happy, enthusiastic over-achievers, you'll enjoy your career with us!
    $38k-49k yearly est. Auto-Apply 11d ago
  • Adjuster II - LA

    Tokio Marine Group 4.5company rating

    Los Angeles, CA jobs

    Marketing Statement: TM Claims Service (TMCS) is an independent global claims management firm established in 1987 to provide clients with a broad range of claims related services in the areas of transportation, product liability and overseas travel accident insurance. As part of the Tokio Marine Group of companies TM Claims Service provides claims handling services throughout the US and the Americas. Founded in 1879, Tokio Marine is recognized as Japan's oldest insurer and one of the largest insurance groups in the world. Tokio marine has offices in 38 countries staffed by more than 15000 employees outside of Japan. ($34.00 to $47.00 hourly) Job Summary: Adjust Marine and Inland Marine claims, which includes surveyor appointment, reserve notification, and file maintenance. Understand claims relative to loss history and application of special claims procedures as may be required for individual accounts. Responsible for pursuing recovery against liable carriers. Essential Job Functions: Process and adjust ocean and inland marine claims. Determine liability and/or necessity of surveyor with availability for occasional travel to loss sites. Review survey reports or supporting documentation for determining loss. Determine whether coverage exists for loss. Prepare necessary correspondence with assured/claimant/broker inclusive of loss control and damage prevention reporting. Handle tasks that require a high level of organization and attention to detail. Conclude all settlement agreements. Responsible for protecting all rights against third parties and/or responsible parties which may be liable. Such responsibility may include direct recovery handling. Comply with MCD business plan by conducting self audits, meet expectations of TMM/TMNF audits, and follow SLR procedures. Participate in training seminars and additional technical training courses. Responsible for complying with proper internal controls as necessary to conduct job functions and/or carry out responsibilities and/or administrative activities at Company. Qualifications: College degree preferred Strong PC skills, including Word and Excel Strong written and oral communication skills Auto industry experience preferred Minimum 3 years claims handling experience. Ability to work as part of a team EEO Statement: Tokio Marine Group of Companies (including, but not limited to the Philadelphia Insurance Companies, Tokio Marine America, Inc., TMNA Services, LLC, TM Claims Service, Inc. and First Insurance Company of Hawaii, Ltd.) is an Equal Opportunity Employer. In order to remain competitive we must attract, develop, motivate, and retain the most qualified employees regardless of age, color, race, religion, gender, disability, national or ethnic origin, family circumstances, life experiences, marital status, military status, sexual orientation and/or any other status protected by law.
    $34-47 hourly Auto-Apply 36d ago

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