Job Description

About the Job:

Universal Shield Insurance Group (and its member companies – Universal Fire & Casualty Insurance Company ( and Shield Indemnity Inc.) has an opening for an experienced Senior Garage Claims Adjuster. Partial work from home is available as agreed by management.

Guided by an entrepreneurial spirit, Universal Shield Insurance Group is a hybrid property and casualty insurer and Insurtech that provides innovative insurance solutions to underserved markets for small businesses on both an admitted and surplus lines basis. Via online state-of-the-art agency portals, we design our products intuitively to accelerate competitive underwriting decisions for our partners and customers.

The senior adjuster will be capable of independently handling claims in states where we write business. The senior adjuster will have a higher authority level than an adjuster and will have full responsibility for claims within that authority. The claims handled by a senior adjuster are usually more complex than those handled by an adjuster.

This position is an excellent opportunity to support a growing insurance company led by experienced insurance professionals with a long history of working together and a proven track record of success. 

Key responsibilities:

• Analyze, review, and interpret policies to assess coverage and liability.
• Establish and maintain proper loss and expense reserves on their claims.
• Determine what investigation is necessary on more complicated claims to bring a claim to an equitable conclusion for all parties involved.
• Responsible for controlling the work done by an independent adjuster/appraiser.
• Properly document information in the claim file.
• Verify and review damages.
• Determine the applicability of coverage and liability.
• Maintain a working diary of assigned claims.
• Evaluate and settle claims within assigned authority.
• Return all phone calls promptly.
• Provide excellent customer service.
• Recognize and investigate subrogation.
• Handle total losses and process salvage returns.
• Deal with and have access to important information that must be kept confidential.
• Handle claims in litigation as assigned.
• Assist in training less experienced adjusters.
• Perform other similar or related duties as assigned.

 
Job Requirements:

• A four-year degree from an accredited institution or equivalent experience.
• Five years’ experience handling garage claims, including advanced skills in coverage, investigation, litigation, negotiation, damage/injury evaluation, salvage, and subrogation.
• Knowledge of and adherence to state laws and regulations governing handling property and casualty claims.
• Basic understanding of claims, mathematics, construction, auto physical damage, medical terms, and legal issues.
• State adjuster’s license where domiciled.
• Non-resident adjuster’s license where required in the states where we do business.
• Demonstrates time management skills, communication skills, verbal and written communication, and strong computer skills.

Universal Shield Insurance Group offers an industry competitive benefits package including health insurance with a company contributed HSA, dental insurance, vision coverage, short term disability insurance, Employee Assistance Program (EAP), and other lifestyle and family friendly and work/life balance benefits. We also offer a company-matched 401K, unlimited PTO for exempt employees, and other ancillary workforce benefits. Applicants will receive more information on our full company benefit program.

Universal Shield Insurance Group (and its member companies – Universal Fire & Casualty Insurance Company and Shield Indemnity Inc.) is an equal opportunity employer. Discrimination of any kind, including race, color, national origin, sex, sexual orientation, gender identity, religion, age, disability, veteran's status, pregnancy, or on any basis prohibited by federal, state, or local law, is not tolerated at Universal Shield Insurance Group. 

Guided by an entrepreneurial spirit, Universal Fire & Casualty Insurance Company (UFCIC) is a hybrid property and casualty insurer and insurtech that provides innovative insurance solutions to underserved markets for small businesses. Via online state-of-the-art agency portals and direct to consumer retail (B2C) and business to business (B2B) websites, we design our products intuitively and device agnostic to accelerate competitive underwriting decisions for our partners and customers. UFCIC targets property and casualty insurance for small businesses that are managed in such a way that they deserve to qualify for, and enjoy, the additional advantages in security and coverage offered by an admitted product. While the surplus market, as a last resort channel, can provide a reduced coverage form at a higher price, UFCIC turns this dynamic upside down. Via a higher standard of acceptance, expert underwriting rules, advanced analytics, machine learning, and external data sources to supplement standard risk information, the majority of UFCIC’s target business can “graduate” from the surplus lines and be provided with a superior coverage form in the admitted marketplace. For those risks that necessitate the surplus market, our company uses our E&S carrier, Shield Indemnity, for risk placement. UFCIC also serves the specialty surety bond marketplace by providing a variety of proprietary, cutting-edge, and competitively priced surety products available through efficient direct and agent based technology enabled portals. Via UFCBonds.com (B2C), customers can buy License and Permit bonds direct, as well as other types of surety bonds, with zero commissions and fees – savings are up to 25% compared to online agency based surety bond platforms. For business to business (B2B), our BondRamp.com platform serves our distributors for surety bond placement. Additionally, UFCBonds.com and BondRamp.com issue most bonds instantly and are available 24x7x365 and accessible by computer, tablet, or mobile device. UFCIC is part of the Universal Shield Insurance Group ( Universal Shield is composed of Universal Fire & Casualty Insurance Company ( - an admitted carrier - and Shield Indemnity Inc. (shieldindemnity.com) - an excess and surplus carrier.

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