Liability claims representative vs claims director

The differences between liability claims representatives and claims directors 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 claims director. Additionally, a claims director has an average salary of $118,250, 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 director are customer service, litigation, and oversight.

Liability claims representative vs claims director overview

	Liability Claims Representative	Claims Director
Yearly salary	$45,654	$118,250
Hourly rate	$21.95	$56.85
Growth rate	-6%	-6%
Number of jobs	13,563	13,299
Job satisfaction	-	-
Most common degree	Bachelor's Degree, 81%	Bachelor's Degree, 68%
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 claims director do?

A claims director spearheads and oversees the daily operations of an insurance company's claims department. They have the authority to make decisions and changes, set goals and timelines, establish guidelines and budgets, liaise with key external partners, coordinate managers and teams, delegate responsibilities, and conduct research and analysis to find opportunities that will optimize the department's operations. Moreover, a claims director leads and encourages staff to reach goals, all while implementing the company's claims policies and regulations, developing new ones as needed.

Liability claims representative vs claims director salary

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

	Liability Claims Representative	Claims Director
Average salary	$45,654	$118,250
Salary range	Between $33,000 And $61,000	Between $73,000 And $190,000
Highest paying City	Somerville, MA	-
Highest paying state	New Jersey	-
Best paying company	The Travelers Companies	-
Best paying industry	Insurance	-

Differences between liability claims representative and claims director education

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

	Liability Claims Representative	Claims Director
Most common degree	Bachelor's Degree, 81%	Bachelor's Degree, 68%
Most common major	Business	Business
Most common college	Stanford University	Stanford University

Liability claims representative vs claims director demographics

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

	Liability Claims Representative	Claims Director
Average age	44	44
Gender ratio	Male, 43.1% Female, 56.9%	Male, 58.2% Female, 41.8%
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, 10.7% Unknown, 4.4% Hispanic or Latino, 17.0% Asian, 5.3% White, 62.2% American Indian and Alaska Native, 0.5%
LGBT Percentage	10%	10%

Differences between liability claims representative and claims director 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 director example responsibilities.

Create project team that comply with new Medicare reporting requirements achieving successful reporting to CMS.
Maintain relationships with attorneys and manage litigation strategy; ensure strong relationships with insureds, brokers and third party administrators.
Redesign processes and procedures for managing litigation through the implementation of an aggressive process for managing discovery and case typing.
General knowledge of CPT, ICD-9, HCPCS, DRG and Medicode (UCR), bundling and unbundling.
File and respond to online arbitration matters.
Facilitate annual updates to all new and revise CPT codes assuring accurate claims payment.

Liability claims representative vs claims director 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 director skills

Customer Service, 17%
Litigation, 11%
Oversight, 9%
Coverage Issues, 6%
Claims Handling, 5%
Claims Operations, 5%

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Liability Claims Representative
Liability Claims Representative vs Claims Director

Updated January 8, 2025

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