Senior Adjuster, Casualty Claims

Responsible for management and resolution of complex and high‑severity casualty claims, including Auto Liability, Property Liability, Commercial General Liability, and Farm Liability.

Key Responsibilities

Complex Claims Management

- Manage a caseload of complex and high‑severity liability claims with a focus on Auto, Property, Commercial, and Farm Liability exposures.
- Conduct thorough investigations, assess liability, and determine appropriate coverage and indemnity.
- Ensure timely and accurate reserve setting in alignment with organizational reserving guidelines and exposure assessments.
- Negotiate settlements directly with claimants, legal representatives, and insurers, ensuring fair and defensible outcomes.

Litigation Support and Legal Collaboration

- Work closely with internal and external legal counsel on litigated claims, providing necessary documentation, analysis, and case updates.
- Attend mediations, discoveries, and settlement conferences as required.
- Ensure proactive litigation management and strategy alignment with corporate interests.

Stakeholder Communication and Relationship Management

- Maintain open and professional communication with Independent Brokers, Agents, Direct Sales Center staff, and customers throughout the life of the claim.
- Respond to escalations and inquiries promptly and effectively, ensuring transparency and customer satisfaction.
- Foster team-oriented relationships with internal teams including Underwriting, Risk, and Corporate Claims.

Documentation, Compliance, and Reporting

- Maintain accurate, detailed claim files in accordance with company standards and regulatory requirements.
- Ensure compliance with all legal, privacy, and financial guidelines.
- Provide regular updates and reporting to Claims Management on file status, trends, and risks.





Mentorship and Technical Development

- Provide guidance and informal mentorship to junior and intermediate adjusters, supporting knowledge transfer and best practice adherence.
- Participate in QA reviews and support training initiatives in partnership with the QA Specialist and Training Lead.

Industry Awareness and Risk Insight

- Monitor and report on emerging legal, regulatory, and industry trends impacting casualty claims.
- Collaborate with underwriting and actuarial teams to share insights from claims data that inform pricing, risk selection, and product development.

Qualifications

- Minimum 7–10 years’ experience in liability claims handling, including litigated and high‑severity claims.
- Post‑secondary education in Insurance, Law, or a related field; CIP designation strongly preferred.
- Advanced understanding of liability claims processes, litigation procedures, policy interpretation, and reserving practices.
- Proficient in claims management systems, documentation, and analytics tools.
- Strong negotiation, analytical, and critical‑thinking skills.
- Excellent verbal and written communication abilities.
- High attention to detail and solid organizational capabilities.
- Ability to manage complex files independently while contributing to a collaborative team environment.
- Professionalism, integrity, and a commitment to customer service excellence.

Benefits

- Supportive team and inclusive culture that embraces diversity, equity, inclusion, and belonging.
- Competitive compensation package of base salary and bonus, health and wellness perks, pension plan, paid time off, and more.
- Career growth and development opportunities with continuous learning and stretch assignments.
- Opportunity to make a meaningful impact by helping customers navigate challenging situations with empathy and expertise.

Accommodation is available upon request.

📌 Senior Adjuster, Casualty Claims (Ontario)
🏢 Heartland Mutual Insurance
📍 Ontario