How to hire a liability claims representative

Liability claims representative hiring summary. Here are some key points about hiring liability claims representatives in the United States:

There are a total of 38,503 liability claims representatives in the US, and there are currently 13,563 job openings in this field.
The median cost to hire a liability claims representative is $1,633.
Small businesses spend $1,105 per liability claims representative on training each year, while large companies spend $658.
It takes between 36 and 42 days to fill the average role in the US.
It takes approximately 12 weeks for a new employee to reach full productivity levels.
HR departments typically allocate 15% of their budget towards recruitment efforts.
Huntingtown, MD, has the highest demand for liability claims representatives, with 7 job openings.

How to hire a liability claims representative, step by step

To hire a liability claims representative, you need to identify the specific skills and experience you want in a candidate, allocate a budget for the position, and advertise the job opening to attract potential candidates. To hire a liability claims representative, you should follow these steps:

Here's a step-by-step liability claims representative hiring guide:

Step 1: Identify your hiring needs
Step 2: Create an ideal candidate profile
Step 3: Make a budget
Step 4: Write a liability claims representative job description
Step 5: Post your job
Step 6: Interview candidates
Step 7: Send a job offer and onboard your new liability claims representative
Step 8: Go through the hiring process checklist

What does a liability claims representative do?

A liability claims representative works at insurance companies where they are in charge of processing and settling insurance claims, ensuring accurate and efficient client service. They are responsible for conducting assessments, reviewing reports from examiners, and tracking any discrepancies such as underpayment or overpayment, reporting them right away. There are also times when they must meet with clients and inspect damages, conduct interviews and evaluations, estimate and negotiate settlements with external parties, and coordinate with other professionals to gain insights. Moreover, a liability claims representative maintains an active communication line with staff, resolving issues in a timely manner.

Learn more about the specifics of what a liability claims representative does

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Identify your hiring needs

First, determine the employments status of the liability claims representative you need to hire. Certain liability claims representative roles might require a full-time employee, whereas others can be done by part-time workers or contractors.

Determine employee vs contractor status

Is the person you're thinking of hiring a US citizen or green card holder?

A liability claims representative's background is also an important factor in determining whether they'll be a good fit for the position. For example, liability claims representatives from different industries or fields will have radically different experiences and will bring different viewpoints to the role. You also need to consider the candidate's previous level of experience to make sure they'll be comfortable with the job's level of seniority.

This list shows salaries for various types of liability claims representatives.

Type of Liability Claims Representative	Description	Hourly rate
Liability Claims Representative	Claims adjusters, appraisers, examiners, and investigators evaluate insurance claims. They decide whether an insurance company must pay a claim, and if so, how much... Show more	$15-29
Worker's Compensation Claims Examiner	Worker's Compensation Claims Examiners are responsible for managing the overall process of compensation claims for workers. They review accurate submission of claim documents, determine the appropriateness of compensation, and finalize the amount before authorizing payment to the respective worker... Show more	$15-40
Claims Adjudicator	Claims adjudicators determine the amount of money an insurance policy owner is entitled to receive. Other names they are known for are claims adjusters and medical bill advocates... Show more	$14-30

Create an ideal candidate profile
Common skills:
- Litigation
- Claims Handling
- Customer Service
- Law Enforcement Agencies
- Insurance Claims
- Reservations
- Bodily Injury Claims
- Claims Process
- Coverage Issues
- Insurance Coverage
- Repair Facilities
- Medical Claims
- Negotiation
- Diary Management
Check all skills
Responsibilities:
- Investigate, evaluate, and manage call to complete coverage analysis confirming or denying coverage using Xactimate estimating software.
- Investigate and conclude property and casualty liability claims including those in litigation with the highest overall production of the claims representatives.
- Participate in arbitration hearings through writing contentions, compiling evidence and personally representing files.
- Control expenses by developing and following resolutions and/or litigation plans to drive claim to resolution.
- Facilitate training seminars for new employees to familiarize them with various corporate procedures including exposure recognition, fraud detection and arbitration.
- Complete field inspection of losses including accurate scope of damages, photographic evidence collection, written estimates utilizing Xactimate estimating software.
More liability claims representative duties

Make a budget

Including a salary range in the liability claims representative job description is a good way to get more applicants. A liability claims representative salary can be affected by several factors, such as the location of the job, the level of experience, education, certifications, and the employer's prestige.

For example, the average salary for a liability claims representative in North Dakota may be lower than in New Jersey, and an entry-level engineer typically earns less than a senior-level liability claims representative. Additionally, a liability claims representative with lots of experience in the field may command a higher salary as a result.

Average liability claims representative salary

$45,654yearly

$21.95 hourly rate

Entry-level liability claims representative salary

$33,000 yearly salary

Updated December 13, 2025

Average liability claims representative salary by state

Rank	State	Avg. salary	Hourly rate
1	Massachusetts	$49,733	$24
2	Washington	$48,302	$23
3	Kansas	$48,284	$23
4	California	$48,000	$23
5	New York	$47,584	$23
6	Wisconsin	$46,166	$22
7	Georgia	$45,346	$22
8	Missouri	$44,822	$22
9	Indiana	$44,526	$21
10	Connecticut	$43,493	$21
11	Colorado	$42,718	$21
12	Texas	$42,194	$20
13	Minnesota	$41,413	$20
14	Oregon	$41,124	$20
15	Nevada	$41,018	$20
16	Virginia	$40,756	$20
17	Illinois	$40,519	$19
18	Ohio	$40,435	$19
19	Florida	$40,059	$19
20	Arizona	$38,216	$18

Average liability claims representative salary by company

Rank	Company	Average salary	Hourly rate	Job openings
1	The Travelers Companies	$51,203	$24.62	126
2	CNA Insurance	$50,868	$24.46	68
3	Liberty Mutual Insurance	$49,616	$23.85	176
4	Gallagher	$49,024	$23.57
5	Federated Insurance	$48,736	$23.43	9
6	Federated Life Insurance Company	$48,575	$23.35	8
7	Partners Healthcare Solutions Inc	$48,575	$23.35
8	Clearcover	$48,574	$23.35
9	The Independent Traveler	$48,573	$23.35	64
10	The Plymouth Rock Company Incorporated	$48,236	$23.19	20
11	GEICO	$48,065	$23.11	42
12	The Hill Group	$48,033	$23.09
13	Sedgwick LLP	$47,836	$23.00	1,042
14	Piedmont Healthcare	$42,432	$20.40	1
15	GAINSCO Auto Insurance	$40,027	$19.24	4
16	San Bernardino County	$39,196	$18.84
17	All-Ways-Care Services	$36,319	$17.46
18	Enterprise Holdings	$32,317	$15.54

Writing a liability claims representative job description
A liability claims representative job description should include a summary of the role, required skills, and a list of responsibilities. It's also good to include a salary range and the first name of the hiring manager. To help get you started, here's an example of a liability claims representative job description:
Liability claims representative job description example
Job Details
Do you have 1-5 years' experience handling auto liability and/or commercial general liability claims and are looking to make a change to work for a company that values work/life balance? Federated Insurance has a career opportunity for you in this office-based Commercial Auto and Liability ClaimsRepresentative position. No specific state experience is required.

This is an in-office position that will work out of our Tampa, FL office, located at 600 North Westshore Blvd. A work from home option is not available.

Responsibilities
- Gather evidence and document claims facts.
- Determine the value of damaged items.
- Understand and explain insurance policy coverage to clients and third parties.
- Negotiate settlements with clients or third parties.
- Resolve claims, which may include paying or denying claims.
- Communicate with clients, physicians, attorneys, contractors and others to ensure claims are resolved in a prompt, fair, and courteous way.
- Occasionally handle defending policyholders in court, compromising, or recovering outstanding dollars.
Minimum Qualifications
- A four year degree in a business-related field.
- 1-5 years' experience in handling auto or general liability claims.
- Strong analytical, computer, and time management skills
- Excellent written and verbal communication skills
Salary: $58,500-$78,100 (Starting salary will be determined based on skills and experience.)
About Us
At Federated Insurance, we do life-changing work, focused on our clients' success. For our employees, we provide tremendous opportunities for growth. Over 95% of them believe our company has an outstanding future. We make lives better, and we're looking for employees who want to make a difference in others' lives, all while enhancing their own.

You will have opportunities to grow in your career. Our employees are encouraged to ask questions and learn on the job, and we are committed to promoting from within. We recognize your contributions with an exceptional rewards package that includes competitive pay and bonus programs, incredibly affordable health insurance, generous pension and 401(k) benefits, and gift matching and paid volunteer time to support your involvement in the community. Learn more about our Benefits.

All candidates must be legally authorized to work in the United States for any employer. Federated will not sponsor candidates for employment visa status, such as an H1-B visa. Federated does not interview or hire students or recent graduates with J-1 or F-1 visas or similar temporary work authorization.

If California Resident, please review Federated's enhanced Privacy Policy.

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Post your job
To find liability claims representatives for your business, try out a few different recruiting strategies:
- Consider internal talent. One of the most important talent pools for any company is its current employees.
- Ask for referrals. Reach out to friends, family members, and your current work to ask if they know any liability claims representatives they would recommend.
- Recruit at local colleges. Attend job fairs at local colleges to recruit entry-level liability claims representatives with the right educational background.
- Social media platforms. LinkedIn, Facebook, and Twitter have more than 3.5 billion users, and they're a great place for company branding and reaching potential job candidates.
Post your job online:
- Post your liability claims representative job on Zippia to find and recruit liability claims representative candidates who meet your exact specifications.
- Use field-specific websites.
- Post a job on free websites.
Interview candidates
To successfully recruit liability claims representatives, your first interview needs to engage with candidates to learn about their interest in the role and experience in the field. You can go into more detail about the company, the role, and the responsibilities during follow-up interviews.
Remember to include a few questions that allow candidates to expand on their strengths in their own words. Asking about their unique skills might reveal things you'd miss otherwise. At this point, good candidates can move on to the technical interview.
The right interview questions can help you assess a candidate's hard skills, behavioral intelligence, and soft skills.
Send a job offer and onboard your new liability claims representative
Once you've found the liability claims representative candidate you'd like to hire, it's time to write an offer letter. This should include an explicit job offer that includes the salary and the details of any other perks. Qualified candidates might be looking at multiple positions, so your offer must be competitive if you like the candidate. Also, be prepared for a negotiation stage, as candidates may way want to tweak the details of your initial offer. Once you've settled on these details, you can draft a contract to formalize your agreement.
You should also follow up with applicants who don't get the job with an email letting them know that you've filled the position.
To prepare for the new liability claims representative first day, you should share an onboarding schedule with them that covers their first period on the job. You should also quickly complete any necessary paperwork, such as employee action forms and onboarding documents like I-9, benefits enrollment, and federal and state tax forms. Finally, Human Resources must ensure a new employee file is created for internal record keeping.
Go through the hiring process checklist
- Determine employee type (full-time, part-time, contractor, etc.)
- Submit a job requisition form to the HR department
- Define job responsibilities and requirements
- Establish budget and timeline
- Determine hiring decision makers for the role
- Write job description
- Post job on job boards, company website, etc.
- Promote the job internally
- Process applications through applicant tracking system
- Review resumes and cover letters
- Shortlist candidates for screening
- Hold phone/virtual interview screening with first round of candidates
- Conduct in-person interviews with top candidates from first round
- Score candidates based on weighted criteria (e.g., experience, education, background, cultural fit, skill set, etc.)
- Conduct background checks on top candidates
- Check references of top candidates
- Consult with HR and hiring decision makers on job offer specifics
- Extend offer to top candidate(s)
- Receive formal job offer acceptance and signed employment contract
- Inform other candidates that the position has been filled
- Set and communicate onboarding schedule to new hire(s)
- Complete new hire paperwork (i9, benefits enrollment, tax forms, etc.)
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How much does it cost to hire a liability claims representative?

Recruiting liability claims representatives involves both the one-time costs of hiring and the ongoing costs of adding a new employee to your team. Your spending during the hiring process will mostly be on things like promoting the job on job boards, reviewing and interviewing candidates, and onboarding the new hire. Ongoing costs will obviously involve the employee's salary, but also may include things like benefits.

You can expect to pay around $45,654 per year for a liability claims representative, as this is the median yearly salary nationally. This can vary depending on what state or city you're hiring in. If you're hiring for contract work or on a per-project basis, hourly rates for liability claims representatives in the US typically range between $15 and $29 an hour.

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How to hire a Liability Claims Representative

Updated December 13, 2025

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How to hire a liability claims representative