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General Liability Adjuster

Job Details

Fully Remote
2 Year Degree


The General Liability Claim adjuster’s role is to investigate and determine coverage on losses and to pay covered claims promptly and fairly.   Tasks include taking recorded statements, researching policy language and applicable legal statutes and identifying and establishing appropriate reserves.  The adjuster must be an effective communicator and is expected to provide superior customer service in interactions with agents, policyholders, and other parties involved in the claim handling process.


Job Duties

In-depth understanding of Personal and Commercial insurance policy coverages and applications

Investigate claims, including taking recorded statements, and determine coverage, limitations or exclusions that could affect claim resolution.

Strong customer service and conflict resolution capabilities

Ability to effectively manage and coordinate multiple party involvement to ensure smooth claim process

Strong negotiation skills to effect prompt and fair claim settlements

Ability to think “outside the box” and demonstrate problem solving skills

Strong computer skills are necessary to effectively operate in the paperless Claims Management System

Excellent verbal and written communication skills are required. Must be able to operate Microsoft Office, specifically Word, and have at least a rudimentary knowledge of Excel.

Must be able to prepare and present thoughtful and detailed reports.

Must be able to organize a workload that involves heavy communication via written correspondence, email, and telephone.

Ability to travel when needed to attend legal proceedings such as deposition, mediation, or trial

Ability to navigate changing legal statutes and policy conditions across a number of States

Continuing education to maintain state-specific licensing requirements

Ability to effectively prioritize and execute tasks in a high-pressure environment

Ability to absorb and adapt to changing technologies in the work environment




Position Requirements

Minimum of 2 years’ experience handling Commercial Liability claims.

Litigation experience

Ability to recognize All Priority Work

Prompt Notice of Large Loss exposures

Timely & Adequate Reserve Change Notices via the committee process

Identify Potential Coverage issues & Prompt issuance of Reservation of Rights

Prompt Notice on need for a Coverage adjuster and /or Legal counsel

Prompt Retention of Legal Counsel on all Lawsuits

Timely Excess Letters to Insureds

Timely responses to Settlement Demands

Timely Evaluations & Notice of Mediations, Arbitrations and Trials

Ability to be fully engaged and participate in Mediations, Arbitrations, & Trials

Timely Filing of Offers of Judgment

Ability to effectively Negotiate Claims to resolution

Ability to effectively prepare Settlement Releases

Prompt issuance & coordination of settlement payments

Excellent analytical and critical thinking skills in daily claims handling

Excellent communication skills, both verbal and written, inside and outside of the Company

MS office experience, specifically Word and Excel

Strong organizational skills

Ability to work effectively and efficiently in a work-from-home environment.




Work conditions

Midwest Family is a work from home environment. 

Ability to work a 40-hour week, 8-hour days, 5 days per week

This is a sedentary position, in which the adjuster is at a computer desk typing and working the telephone regularly for the bulk of the working day

This position requires dexterity of hands and fingers to operate a computer keyboard, mouse, telephone, and other devices.

Adjuster must be physically able to travel when necessary and participate in training sessions, presentations, and meetings.



Other Functions

Regular and reliable attendance.

Ability to work as part of a team.

Perform other duties as may be assigned.

Responsible for complying with proper internal controls as necessary to conduct job functions and/or carry out responsibilities and/or administrative activities at the Company.