Liability claims representative vs claim specialist

The differences between liability claims representatives and claim specialists can be seen in a few details. Each job has different responsibilities and duties. It typically takes 4-6 years to become both a liability claims representative and a claim specialist. Additionally, a liability claims representative has an average salary of $45,654, which is higher than the $43,164 average annual salary of a claim specialist.

The top three skills for a liability claims representative include litigation, claims handling and customer service. The most important skills for a claim specialist are customer service, litigation, and patients.

Liability claims representative vs claim specialist overview

	Liability Claims Representative	Claim Specialist
Yearly salary	$45,654	$43,164
Hourly rate	$21.95	$20.75
Growth rate	-6%	-6%
Number of jobs	13,563	29,505
Job satisfaction	-	-
Most common degree	Bachelor's Degree, 81%	Bachelor's Degree, 54%
Average age	44	44
Years of experience	6	6

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.

What does a claim specialist do?

A claims specialist is responsible for processing insurance claims, reviewing insurance coverage, and analyzing claims cases. Claims specialists' duties include negotiating claims settlements, validating claims to prevent fraud, creating court testimonies as needed, developing claim review plans, and checking necessary documents and related resolve claims. A claims specialist must have strong analytical and critical-thinking skills to authorize claim payment and investigate complex and unusual claims. Claims specialists should also have extensive knowledge of the insurance processes to handle various cases, following legal policies and regulatory procedures.

Liability claims representative vs claim specialist salary

Liability claims representatives and claim specialists have different pay scales, as shown below.

	Liability Claims Representative	Claim Specialist
Average salary	$45,654	$43,164
Salary range	Between $33,000 And $61,000	Between $27,000 And $67,000
Highest paying City	Somerville, MA	Newark, NJ
Highest paying state	New Jersey	New Jersey
Best paying company	The Travelers Companies	W. R. Berkley
Best paying industry	Insurance	Insurance

Differences between liability claims representative and claim specialist education

There are a few differences between a liability claims representative and a claim specialist in terms of educational background:

	Liability Claims Representative	Claim Specialist
Most common degree	Bachelor's Degree, 81%	Bachelor's Degree, 54%
Most common major	Business	Business
Most common college	Stanford University	Stanford University

Liability claims representative vs claim specialist demographics

Here are the differences between liability claims representatives' and claim specialists' demographics:

	Liability Claims Representative	Claim Specialist
Average age	44	44
Gender ratio	Male, 43.1% Female, 56.9%	Male, 31.0% Female, 69.0%
Race ratio	Black or African American, 11.5% Unknown, 4.4% Hispanic or Latino, 16.7% Asian, 5.2% White, 61.7% American Indian and Alaska Native, 0.5%	Black or African American, 11.4% Unknown, 4.4% Hispanic or Latino, 16.5% Asian, 5.1% White, 62.1% American Indian and Alaska Native, 0.5%
LGBT Percentage	10%	10%

Differences between liability claims representative and claim specialist duties and responsibilities

Liability claims representative example 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.

Claim specialist example responsibilities.

Assist in the streamlining of EDI process to manage workflow of EDI claims.
Manage claims on desk, route/queues, and ECHS within specify turn-around-time parameters.
Manage claims, route/queues, and ECHS, within specify turn- around time parameters.
Investigate, manage, negotiate and resolve claims arising out of accidents involving automobile and homeowner policies.
Upgrade CPT-4 and ICD-9 coding procedures, staying in step with many manage care plans changing reimbursement schedules.
Manage expedition of appeals via problem solving and collaboration with other departments.

Liability claims representative vs claim specialist skills

Common liability claims representative skills

Litigation, 9%
Claims Handling, 8%
Customer Service, 7%
Law Enforcement Agencies, 6%
Insurance Claims, 6%
Reservations, 6%

Common claim specialist skills

Customer Service, 19%
Litigation, 7%
Patients, 5%
Claims Handling, 4%
Quality Standards, 4%
Excellent Organizational, 4%

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Liability Claims Representative
Liability Claims Representative vs Claim Specialist

Updated January 8, 2025

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