Posted Wednesday, June 3, 2026 at 4:00 AM

At Heartland Mutual Insurance, we're more than just a company - we're a community. We think differently, aim high, and deliver on our promise with a personal touch.

The Senior Adjuster, Casualty Claims, is responsible for the management and resolution of complex and high-severity casualty claims, including Auto Liability, Personal Property Liability, Commercial General Liability, and Farm Liability. This role requires advanced technical expertise in liability evaluation, negotiation, and litigation support.

The Senior

Adjuster works closely with legal counsel, brokers, Agents, Direct Sales Center staff, and internal teams, contributing to the consistent delivery of fair, timely, and cost-effective claims outcomes. The position is critical to ensuring accurate reserving, effective customer communication, and alignment with regulatory and corporate standards.

Complex Claims Management

Manage a caseload of complex and high-severity liability claims, with a focus on Auto, Property, Commercial, and Farm Liability exposures.

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 all necessary documentation, analysis, and case updates.

Ensure proactive litigation management and strategy alignment with corporate interests.

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 collaborative relationships with internal teams including Underwriting, Risk, and Corporate Claims.

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.

Minimum 7-10 years' experience in liability claims handling, including litigated and high-severity claims.

Post-secondary education in Insurance, Law, or related field; Technical Skills & Knowledge: Advanced understanding of liability claims processes, litigation procedures, policy interpretation, and reserving practices.

Proficient in claims management systems, documentation, and analytics tools.

Professionalism, integrity, and a commitment to customer service excellence.

A Supportive Team: We're not just a workplace, we're a community. Enjoy a competitive compensation package made up of base salary and bonus, health and wellness benefits, pension plan, paid time off, and so much more.

Work in an setting that embraces diversity, equity, inclusion and belonging.

Career Growth & Development: Take advantage of continuous learning opportunities and stretch assignments.

Make an Impact: Play a key role in helping customers navigate challenging situations with empathy and expertise.

The salary for the successful candidate will be determined by various factors including but not limited to an individual’s relevant experience, knowledge, skills, along with internal equity, and market considerations.

Accommodation is available on request for candidates taking part in all aspects of the selection process.

We do not use artificial intelligence or automated decision-making tools in any part of our hiring process.

At Heartland Mutual

Insurance, you're empowered to thrive.

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