Liability claims representative vs claims representative

The differences between liability claims representatives and claims representatives 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 representative. Additionally, a liability claims representative has an average salary of $45,654, which is higher than the $38,796 average annual salary of a 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 representative are customer service, quality standards, and policy coverage.

Liability claims representative vs claims representative overview

	Liability Claims Representative	Claims Representative
Yearly salary	$45,654	$38,796
Hourly rate	$21.95	$18.65
Growth rate	-6%	-6%
Number of jobs	13,563	18,565
Job satisfaction	-	-
Most common degree	Bachelor's Degree, 81%	Bachelor's Degree, 62%
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 representative do?

A Claims Representative is an agent who works for insurance companies in order to investigate and settle claims. The agent acts as an intermediary between customers and insurance companies by evaluating the customers' facts surrounding claims and determining whether the loss is covered or should be compensated. Such a role is important because an agent makes sure that no fraud claims are being paid out. It is also highlighted that an agent works in compliance with state regulations.

Liability claims representative vs claims representative salary

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

	Liability Claims Representative	Claims Representative
Average salary	$45,654	$38,796
Salary range	Between $33,000 And $61,000	Between $28,000 And $53,000
Highest paying City	Somerville, MA	Dearborn, MI
Highest paying state	New Jersey	New Jersey
Best paying company	The Travelers Companies	W. R. Berkley
Best paying industry	Insurance	Government

Differences between liability claims representative and claims representative education

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

	Liability Claims Representative	Claims Representative
Most common degree	Bachelor's Degree, 81%	Bachelor's Degree, 62%
Most common major	Business	Business
Most common college	Stanford University	Stanford University

Liability claims representative vs claims representative demographics

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

	Liability Claims Representative	Claims Representative
Average age	44	44
Gender ratio	Male, 43.1% Female, 56.9%	Male, 37.5% Female, 62.5%
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, 11.0% Unknown, 4.4% Hispanic or Latino, 16.5% Asian, 5.1% White, 62.4% American Indian and Alaska Native, 0.5%
LGBT Percentage	10%	10%

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

Perform initial set-up and continuously manage claims in the Juris claims management system.
Investigate, evaluate, and manage call to complete coverage analysis confirming or denying coverage using Xactimate estimating software.
Prepare necessary state filings within statutory limits, manage litigation and vocational rehabilitation process, used appropriate cost containment techniques.
Assist the training department in developing CSR training in order to set expectations.
Create custom templates and guide sheets for new trainees in the CSR Internet division to ensure consistency and increase department efficiency.
Utilize proper SIU reporting procedures for extensive investigation as required.

Liability claims representative vs claims representative 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 representative skills

Customer Service, 26%
Quality Standards, 6%
Policy Coverage, 6%
Reservations, 5%
Claims Handling, 3%
Insurance Coverage, 3%

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Liability Claims Representative
Liability Claims Representative vs Claims Representative

Updated January 8, 2025

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