At Gore Mutual, we’ve always set ourselves apart as a modern mutual that does good. Now, we’re proudly building on that legacy to transform our company—and our industry—for the better.
Effective January 1, 2026, Gore has joined Beneva—the country’s largest mutual insurance company—as part of its Property & Casualty operations in Ontario and Western Canada. During 2026, Gore will combine its operations with Unica Insurance, Beneva’s Ontario‑based subsidiary specializing in niche commercial and personal insurance, creating a stronger, more diversified mutual insurer with greater scale and long‑term stability.
Every decision and investment remains anchored in long‑term benefits to customers, members, and communities. Come join us.
What you will do The Personal Property Advisor is essential to Gore Mutual's success, acting as a safeguard of both customer trust and financial stability. The role demands a blend of meticulous investigation, collaborative problem‑solving, and decisive action within defined guidelines. Advisors independently manage a portfolio of primary personal property claims, navigating a spectrum of complexity, investigating, evaluating, negotiating, and settling these claims while adhering to company protocols and regulations. By thoroughly assessing losses, determining accurate coverage, and efficiently resolving claims, they contribute directly to Gore Mutual's bottom line and build lasting relationships with policyholders.
Claims Investigation and Assessment Conduct thorough and timely investigations of personal property losses
Gather evidence to determine cause of loss, scope of damage, and applicable coverage
Document findings accurately and clearly in the claim file
Collaborate with experts (engineers, contractors, etc.) as needed
Coverage Determination and Reserve Setting Analyze policy wordings and endorsements to determine coverage applicability and set accurate reserves based on investigation findings
Apply knowledge of personal property insurance principles and legal requirements
Consult with senior advisors or underwriters for complex coverage issues
Review and adjust reserves regularly as new information becomes available
Negotiation and Settlement Negotiate fair and equitable settlements with claimants,



balancing customer satisfaction with cost containment for Gore Mutual
Explain coverage decisions clearly and professionally to claimants
Use effective negotiation techniques to reach mutually agreeable settlements
Escalate complex or high‑value settlements to senior advisors or management appropriately
Customer Service and Communication Provide exceptional customer service throughout the claims process, maintaining open and transparent communication with all stakeholders
Manage customer expectations and address concerns within established guidelines
Respond promptly to inquiries and provide regular updates on claim status
Explain claims processes and procedures to policyholders and brokers
Build rapport and trust with claimants to facilitate a positive claims experience
Escalate complaints or sensitive issues to senior advisors or management
Risk Mitigation and Continuous Improvement Identify trends and potential risks related to personal property claims, contributing to ongoing risk mitigation and process improvement efforts
Participate in post‑loss reviews and team discussions to share insights and lessons learned
Identify opportunities to streamline processes and enhance efficiency
Stay informed about industry developments and regulatory changes that may impact claims handling
What you need to succeed 3‑5+ years of property claims adjusting experience (preferred)
Post secondary education (preferred)
Customer service experience – proven ability to communicate effectively with claimants, brokers, and other stakeholders in a professional and empathetic manner
Experience using claims management systems – proficiency with software like Guidewire or similar platforms is beneficial for efficient claims handling
Skills required for the role In‑depth knowledge of personal property insurance principles and practices, including policy wordings, coverage options, exclusions, and legal requirements




Solid analytical and problem‑solving skills, ability to assess complex situations, gather relevant information, and make sound decisions based on facts and evidence
Excellent communication (verbal and written) and interpersonal skills, clear and concise communication with various stakeholders
Effective negotiation skills to achieve fair settlements that meet the needs of both the policyholder and the insurer
Detail‑oriented and organized – ability to manage multiple claims simultaneously and maintain accurate records
Proficiency in using technology – comfortable with claims management systems, Microsoft Office suite, and other relevant software
Ability to work independently and as part of a team, balancing individual responsibilities with collaboration
Strong time‑management and prioritization skills, effectively prioritizing workload based on urgency and importance
Adaptability and flexibility to adjust to changing priorities, new information, and unexpected challenges
Commitment to continuous learning – willingness to stay informed about industry trends, regulatory changes, and new technologies
Location This is a hybrid work model that requires 2 days spent in our vibrant Cambridge or Vancouver office.
Compensation & Benefits The expected base salary range for this position is $52,500.00 – $86,500.00. Base compensation may vary based on experience, skills, qualifications, market conditions and business needs, and there is potential to earn more through Gore Mutual’s discretionary bonus program under business performance and individual goals. The total rewards package includes extended health and dental benefits, disability insurance, retirement plan matching, paid time off, recognition and perk programs.
This posting pertains to an existing vacancy that is actively being filled.
Accessibility for applicants Gore Mutual Insurance Company is committed to providing accommodations for people with disabilities during all phases of the recruiting process, including the application process. If you require accommodation due to a disability, we will work with you to meet your needs. Contact a human resources representative to determine an appropriate accommodation.

#J-18808-Ljbffr

📌 Property Claims Advisor (Ontario)
🏢 Gore Mutual Insurance
📍 Ontario