Liability Claims Adjuster Job Description [Updated for 2025]

In an increasingly litigious society, the need for savvy liability claims adjusters has never been greater.

With every legal twist and turn, the demand for skilled professionals who can evaluate, investigate and resolve liability claims continues to rise.

But let’s delve deeper: What’s truly expected from a liability claims adjuster?

Whether you are:

• A job seeker trying to comprehend the core of this role,
• A hiring manager outlining the perfect candidate,
• Or simply captivated by the intricate world of liability claims adjustment,

You’re in the right place.

Today, we present a customizable liability claims adjuster job description template, designed for effortless posting on job boards or career sites.

Let’s dive right in.

Liability Claims Adjuster Duties and Responsibilities

Liability Claims Adjusters play a crucial role in the insurance industry, as they evaluate insurance claims and determine the company’s liability.

They are responsible for reviewing, investigating, and resolving claims in a timely and efficient manner.

Their key responsibilities include the following:

• Investigating and verifying the validity of insurance claims by interviewing both claimants and witnesses
• Assessing and determining liability, losses, and damages associated with the claims
• Interpreting and reviewing insurance policies to determine coverage
• Negotiating settlements with claimants in line with company policies
• Communicating with legal counsel and medical professionals to gather information and make decisions
• Preparing and presenting reports of investigated claims
• Communicating with policyholders about claim process and status
• Continually updating knowledge on legal changes and developments affecting insurance claims

 

Liability Claims Adjuster Job Description Template

Job Brief

We are seeking a detail-oriented Liability Claims Adjuster to investigate, evaluate, and settle insurance claims.

Your responsibilities will include gathering information, evaluating each claim, determining the validity of the claim, and authorizing payment or denial.

The ideal candidate has a keen eye for detail, excellent negotiation skills, and deep knowledge of insurance policies and regulations.

Ultimately, the role of the Liability Claims Adjuster is to handle claims efficiently and fairly, ensuring customer satisfaction and company profitability.

 

Responsibilities

• Investigate and process insurance claims filed by policyholders.
• Inspect property damage to determine the extent of the company’s liability.
• Interview claimants, medical specialists, or employers to get additional information.
• Negotiate claim settlements and recommend litigation when the settlement cannot be negotiated.
• Interact with legal, medical and accounting professionals to discuss policies and claims.
• Prepare reports by collecting and summarizing information required by the client or the insurance company.
• Stay updated with the developments in the insurance industry.
• Ensure compliance with all state and federal regulations related to claims handling.

 

Qualifications

• Proven work experience as a Liability Claims Adjuster.
• Knowledge of insurance laws and regulations.
• Strong negotiation and decision-making skills.
• Excellent oral and written communication skills.
• Ability to manage multiple tasks and deadlines in a fast-paced environment.
• High degree of accuracy and attention to detail.
• Proficiency in using insurance software and MS Office applications.
• Bachelor’s degree in Business Administration, Insurance, or related field.

 

Benefits

• 401(k) retirement plan
• Comprehensive health insurance
• Dental and vision insurance
• Paid time off
• Training and development opportunities
• Flexible work schedule

 

Additional Information

• Job Title: Liability Claims Adjuster
• Work Environment: Office setting with occasional travel for investigations or court appearances.
• Reporting Structure: Reports to the Claims Supervisor or Claims Manager.
• Salary: Salary is dependent upon candidate experience and qualifications, as well as market and business considerations.
• Pay Range: $45,000 minimum to $75,000 maximum
• Location: [City, State] (specify the location or indicate if remote)
• Employment Type: Full-time
• Equal Opportunity Statement: We are an equal opportunity employer and value diversity at our company. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status.
• Application Instructions: Please submit your resume and a cover letter outlining your qualifications and experience to [email address or application portal].

 

What Does a Liability Claims Adjuster Do?

Liability Claims Adjusters are professionals who work in the insurance industry, specifically dealing with liability insurance claims.

They are responsible for investigating insurance claims to determine the extent of the insuring company’s liability.

This typically involves reviewing and evaluating insurance policies, inspecting damage and injury claims, and verifying that the insurance policy covers the claimed incident.

Their job also includes negotiating settlements with claimants, attorneys, and other insurance adjusters.

It’s their responsibility to ensure that all claims are settled in a fair and timely manner.

They may also have to testify in court if a claim is contested.

Additionally, they often work closely with legal teams to handle potential litigation related to claims.

Liability Claims Adjusters also have the task of maintaining detailed claim records and preparing reports for insurance underwriters.

Their job requires a strong understanding of insurance laws and regulations, as well as excellent negotiation and decision-making skills.

 

Liability Claims Adjuster Qualifications and Skills

A competent Liability Claims Adjuster should have skills and qualifications that align with the following:

• Excellent investigative skills to thoroughly examine claims and validate their authenticity.
• Strong analytical skills to evaluate the claims, assess the liability and determine a fair payout amount.
• Exceptional communication and negotiation skills to interact effectively with claimants, witnesses, and legal counsel.
• Interpersonal skills to build trust and rapport with clients and stakeholders, ensuring a fair and efficient claims process.
• Detail-oriented to handle multiple claims at once, accurately documenting each step of the claims process.
• Knowledge of insurance policies, procedures, and regulations to ensure claims are handled according to legal and company standards.
• Proficiency in using claims management software to track, manage, and resolve claims effectively.
• Strong decision-making skills to make judgments about coverage, liability, and the value of a claim.
• Ability to handle stressful situations and display empathy, as dealing with claimants often involves handling individuals in crisis or distress.

 

Liability Claims Adjuster Experience Requirements

Entry-level candidates for a Liability Claims Adjuster position typically have 1 to 2 years of experience, often through internships or part-time roles within insurance companies or law firms.

This initial experience provides them with a foundation in understanding insurance policies, investigating insurance claims, and negotiating claim settlements.

Those candidates who have 3 to 5 years of experience may have had roles such as Claims Assistant or Junior Adjuster, where they have developed a deeper understanding of the claims process and have had direct interaction with claimants and policyholders.

They are often proficient in interpreting policy coverage, identifying fraudulent activity, and estimating claim costs.

Candidates with more than 5 years of experience likely have significant experience in handling complex liability claims, making critical decisions, and managing a large caseload.

They may have held roles such as Senior Claims Adjuster or Claims Examiner.

These individuals may have also gained some leadership experience and could be ready for a team lead or managerial position.

Certain employers may also prefer candidates who have specific experience in the type of claims they will be handling, such as auto, property, or worker’s compensation claims.

Additional professional certifications such as Associate in Claims (AIC) or Chartered Property Casualty Underwriter (CPCU) can also be beneficial and are often preferred by employers.

 

Liability Claims Adjuster Education and Training Requirements

Liability Claims Adjusters typically possess a bachelor’s degree in business administration, finance, or a related field.

They need a thorough understanding of legal and insurance laws, as well as strong analytical skills to assess the validity of a claim and determine the appropriate payout.

Some positions may require Liability Claims Adjusters to have a specific insurance designation, such as the Associate in Claims (AIC) or Chartered Property Casualty Underwriter (CPCU) designation.

In many cases, employers prefer candidates who have prior experience in claims adjustment, insurance, or a related field.

Most states require Liability Claims Adjusters to be licensed.

License requirements vary by state, but often include passing an exam and completing a certain number of continuing education hours each year.

Additional certifications, such as the Senior Claims Law Associate (SCLA) or Certified Professional in Insurance Fraud (CPIF), may be beneficial for career advancement and are indicative of a candidate’s commitment to continual learning and skill enhancement.

 

Liability Claims Adjuster Salary Expectations

A Liability Claims Adjuster can expect to earn an average salary of $61,680 (USD) per year.

The salary can vary depending on the adjuster’s level of experience, education, the complexity of claims handled, and the geographical location.

 

Liability Claims Adjuster Job Description FAQs

What skills does a Liability Claims Adjuster need?

A Liability Claims Adjuster should have excellent communication and negotiation skills to deal with claimants and attorneys.

They should be detail-oriented and possess analytical skills to investigate and evaluate insurance claims.

Moreover, a strong understanding of insurance laws, policies, and regulations is crucial.

They should also have decision-making skills to resolve claims.

 

Do Liability Claims Adjusters need a degree?

Generally, Liability Claims Adjusters need a bachelor’s degree in a related field such as business or finance.

However, insurance companies may also consider candidates with an associate degree or relevant work experience.

Some companies offer training programs for new hires without experience in claims adjustment.

 

What should you look for in a Liability Claims Adjuster resume?

A Liability Claims Adjuster’s resume should reflect a strong understanding of insurance policies, regulations, and claims adjustment procedures.

Look for previous experience in claims adjustment, customer service, or a related field.

Knowledge in medical and legal terminology, computer skills, and any relevant certification such as CPCU (Chartered Property Casualty Underwriter) or AIC (Associate in Claims) can be an added advantage.

 

What qualities make a good Liability Claims Adjuster?

A good Liability Claims Adjuster is detail-oriented and has a keen eye for analyzing complex data.

They are excellent at negotiation and communication, as they need to interact with claimants, lawyers, and other professionals regularly.

They demonstrate integrity and fairness in assessing claims and have a sound understanding of insurance laws and regulations.

Their ability to make sound judgments and decisions in high-pressure situations also makes them effective in their role.

 

Is it difficult to hire a Liability Claims Adjuster?

The hiring process for a Liability Claims Adjuster can be challenging.

As the role requires a unique blend of skills, including analytical thinking, knowledge of insurance laws, and strong communication skills, finding the right candidate can be demanding.

However, offering competitive compensation, continuous learning opportunities, and a clear career progression path can help attract qualified candidates.

 

Conclusion

And there we have it.

Today, we’ve unveiled the true essence of being a liability claims adjuster.

Surprise, surprise?

It’s not just about reviewing claims.

It’s about shaping the face of insurance, one claim at a time.

Armed with our insightful liability claims adjuster job description template and real-world examples, you’re ready to step up.

But why limit yourself?

Venture further with our job description generator. It’s your ultimate companion for crafting meticulous job listings or refining your resume to the utmost precision.

Bear in mind:

Every claim adjusted contributes to the larger narrative.

Let’s shape that narrative. Together.

How to Become a Liability Claims Adjuster (Complete Guide)

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