Liability claims representative vs claims adjuster

The differences between liability claims representatives and claims adjusters can be seen in a few details. Each job has different responsibilities and duties. While it typically takes 4-6 years to become a liability claims representative, becoming a claims adjuster takes usually requires 2-4 years. Additionally, a claims adjuster has an average salary of $51,116, which is higher than the $45,654 average annual salary of a liability claims representative.

The top three skills for a liability claims representative include litigation, claims handling and customer service. The most important skills for a claims adjuster are insurance carriers, auto claims, and customer service.

Liability claims representative vs claims adjuster overview

	Liability Claims Representative	Claims Adjuster
Yearly salary	$45,654	$51,116
Hourly rate	$21.95	$24.57
Growth rate	-6%	-6%
Number of jobs	13,563	13,221
Job satisfaction	-	-
Most common degree	Bachelor's Degree, 81%	Bachelor's Degree, 66%
Average age	44	44
Years of experience	6	4

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 claims adjuster do?

A claim's adjuster is responsible for the handling of the insurance claims and investigating the extent of property damage and processing the business or a person's liability. Claims adjusters have a broad range of duties such as damage inspection to evaluate incident reports, communicating with property owners and spectators as well as referring to legal documents. They must also have excellent analytical and critical-thinking skills to calculate payments and analyze the complexities of multiple sources. Claims adjusters should also provide timely reports for reference and possible disputes.

Liability claims representative vs claims adjuster salary

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

	Liability Claims Representative	Claims Adjuster
Average salary	$45,654	$51,116
Salary range	Between $33,000 And $61,000	Between $40,000 And $64,000
Highest paying City	Somerville, MA	Los Angeles, CA
Highest paying state	New Jersey	New Jersey
Best paying company	The Travelers Companies	Merchants Insurance Group
Best paying industry	Insurance	Insurance

Differences between liability claims representative and claims adjuster education

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

	Liability Claims Representative	Claims Adjuster
Most common degree	Bachelor's Degree, 81%	Bachelor's Degree, 66%
Most common major	Business	Business
Most common college	Stanford University	Stanford University

Liability claims representative vs claims adjuster demographics

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

	Liability Claims Representative	Claims Adjuster
Average age	44	44
Gender ratio	Male, 43.1% Female, 56.9%	Male, 45.1% Female, 54.9%
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, 11.8% Unknown, 4.4% Hispanic or Latino, 16.8% Asian, 5.2% White, 61.2% American Indian and Alaska Native, 0.5%
LGBT Percentage	10%	10%

Differences between liability claims representative and claims adjuster 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.

Claims adjuster example responsibilities.

Achieve targeted performance goals to manage costs and support Allstate's industry-leading operational standards.
Maintain a full caseload of WC files for a Louisiana customer, for six months, while managing this team.
Manage California branch operations including supervision of 5 WC adjusting and support staff
Apply strong customer service, organizational and multitasking skills to efficiently manage auto insurance claims.
Manage strict confidentiality of documents and comply with HIPAA regulations stipulate by the facility and government.
Manage file inventory by utilizing CCC pathways diary system documenting claim file activities in accordance with establish procedures

Liability claims representative vs claims adjuster skills

Common liability claims representative skills

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

Common claims adjuster skills

Insurance Carriers, 13%
Auto Claims, 8%
Customer Service, 8%
Litigation, 7%
Xactimate, 6%
Claims Handling, 5%

Liability Claims Representative vs. similar jobs

Liability Claims Representative related careers

Liability Claims Representative related jobs

What similar roles do

Zippia Careers
Business and Financial Industry
Liability Claims Representative
Liability Claims Representative vs Claims Adjuster

Updated January 8, 2025

Browse business and financial jobs