What is Policy Coverage?
Policy coverage is an agreement between a person and an insurer outlining the coverage - what is covered, what is not, and other details of the agreement. Policy coverage is typically a combination of several standard forms, including a declaration page, coverage form, and endorsements. These forms delineate the coverage term, the policy limits, the grant of coverage, exclusions and other limitations of coverage, and the duties and responsibilities of the insured in the event of a loss.
How is Policy Coverage used?
Zippia reviewed thousands of resumes to understand how policy coverage is used in different jobs. Explore the list of common job responsibilities related to policy coverage below:
- Investigate policy coverage, obtain facts of loss and determine liability in automobile accidents.
- Analyze and confirm policy coverage; investigate any potential coverage issues.
- Determine correct policy coverage and apply payments accordingly.
- Analyzed reports and documents for claim payments and reviewed and interpreted policy coverage for processing first party physical damage claims.
- Reviewed and verified policy coverage on new losses.
- Determined appropriate policy coverage by investigating, evaluating and negotiating property claims cases in accordance with company and state insurance guidelines.
Are Policy Coverage skills in demand?
Yes, policy coverage skills are in demand today. Currently, 483 job openings list policy coverage skills as a requirement. The job descriptions that most frequently include policy coverage skills are material damage adjuster, liability claims examiner, and claims service representative.
How hard is it to learn Policy Coverage?
Based on the average complexity level of the jobs that use policy coverage the most: material damage adjuster, liability claims examiner, and claims service representative. The complexity level of these jobs is intermediate.
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What jobs can you get with Policy Coverage skills?
You can get a job as a material damage adjuster, liability claims examiner, and claims service representative with policy coverage skills. After analyzing resumes and job postings, we identified these as the most common job titles for candidates with policy coverage skills.
Material Damage Adjuster
- Insurance Claims
- Policy Coverage
- Repair Estimates
- ISO
- Customer Service
- Police Reports
Liability Claims Examiner
Job description:
A Liability Claims Examiner or also known as an Insurance investigator, is a person who monitors and reviews settled insurances. They will determine if the paid amount is in accordance with the corporation or company's procedure. They report possible irregularities that are happening, like underpayment and overpayment of insurances. They also evaluate insurance claims or applications and do a follow-up of the status to protect and secure the clients from having a financial loss.
- Party Claims
- Litigation
- Claims Handling
- Claims Process
- Policy Coverage
- Coverage Analysis
Claims Service Representative
Job description:
Claims service representatives evaluate customer insurance claims. Their tasks in this career include interviewing witnesses or customers and visiting accident sites to assess the scope of the claim. Also, they determine whether it is worth arranging a settlement and make sure all settlement claims are managed quickly. In addition to evaluating accidents and claims, they renew customer policies based on their history. Qualifications for the job include a firm knowledge of overall company policy, computer literacy, and excellent customer service.
- Insurance Claims
- Customer Service
- Policy Coverage
- Phone Calls
- Claims Process
- Inbound Calls
Claims Representative
Job description:
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.
- Customer Service
- Quality Standards
- Policy Coverage
- Reservations
- Claims Handling
- Insurance Coverage
Adjuster
Job description:
An adjuster is responsible for evaluating the extent of loss in the company by calculating the damage costs, determining the settlement payment to the client, and managing the reputation of the company for claims accountability. Adjusters must have extensive knowledge of the insurance principles and processes, following the state and federal regulations to protect clients and the business from insurance fraud. They collect documents from different organizations, perform field research, and interview witnesses to verify the accuracy of claims statement.
- Customer Service
- Strong Customer Service
- Litigation
- Liability Claims
- Policy Coverage
- Insurance Claims
How much can you earn with Policy Coverage skills?
You can earn up to $53,724 a year with policy coverage skills if you become a material damage adjuster, the highest-paying job that requires policy coverage skills. Liability claims examiners can earn the second-highest salary among jobs that use Python, $54,421 a year.
| Job title | Average salary | Hourly rate |
|---|---|---|
| Material Damage Adjuster | $53,724 | $26 |
| Liability Claims Examiner | $54,421 | $26 |
| Claims Service Representative | $36,043 | $17 |
| Claims Representative | $38,796 | $19 |
| Adjuster | $49,396 | $24 |
Companies using Policy Coverage in 2026
The top companies that look for employees with policy coverage skills are Auto-Owners Insurance, Patra, and CorVel. In the millions of job postings we reviewed, these companies mention policy coverage skills most frequently.
| Rank | Company | % of all skills | Job openings |
|---|---|---|---|
| 1 | Auto-Owners Insurance | 19% | 268 |
| 2 | Patra | 12% | 0 |
| 3 | CorVel | 8% | 338 |
| 4 | Crawford & Company | 8% | 188 |
| 5 | Raphael & Associates | 8% | 9 |
Departments using Policy Coverage
| Department | Average salary |
|---|---|
| Finance | $64,975 |