Claims Examiner - Property
Claims Examiner - Property
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Job Description
Kinsale Insurance is a dynamic and rapidly growing Excess & Surplus (E&S) lines insurer focused on underwriting hard-to-place small to medium-sized commercial accounts. Operating nationwide we provide tailored insurance solutions across a broad spectrum of Property Casualty and Specialty lines. With our seasoned staff in-house claims handling and full underwriting authority we offer unmatched flexibility and responsiveness to our broker partners.
Our specialty lies in writing challenging risksthose with high-hazard operations poor loss histories or locations in high-risk areas. At Kinsale we thrive on complexity and are committed to delivering fast fair and expert service.
Position Summary
We are seeking an experienced and motivated Claims Examiner to join our high-performing team in Richmond VA. This individual will be responsible for managing a diverse portfolio of first-party and third-party property claims under multiple coverage forms including Homeowners Inland Marine and Commercial Property. This is a key role in maintaining our standards of excellence in claims service and customer satisfaction.
Key Responsibilities
- Independently manage a wide variety of first-party property and third-party claims across multiple jurisdictions under the guidance of a Claims Supervisor.
- Conduct thorough investigations and evaluate all aspects of claims to determine appropriate coverage and liability.
- Make informed coverage determinations draft detailed coverage letters and communicate decisions clearly to policyholders and stakeholders.
- Maintain complete accurate and up-to-date documentation in each claim file.
- Deliver superior customer service throughout the claims lifecycle ensuring timely and empathetic communication.
- Recognize and pursue opportunities for subrogation recovery when applicable.
- Utilize estimating tools and practices to evaluate damages and inform claim resolution.
- Apply a deep understanding of policy language and insurance coverage in the decision-making process.
Qualifications
- Minimum 2 years of experience handling first-party property claims.
- Strong written and verbal communication skills with an emphasis on clarity and professionalism.
- Exceptional analytical thinking and problem-solving ability.
- Excellent organizational and time management skills; able to manage multiple priorities effectively.
- Collaborative team player with a proactive solution-oriented approach.
- Proficient in directing and managing investigative efforts.
- Technically skilled in Microsoft Office Suite (Word Outlook Excel PowerPoint).
Education & Certifications
- Minimum Associates Degree or higher.
- At least 2 years of professional work experience in a related field.
- Adjuster licenses and relevant industry designations are preferred but not required.
At Kinsale we offer the following great benefits:
- Competitive salary with performance-based bonus opportunities
- Single and Family Health Dental and Vision Insurance plans with company contributed HSA funds
- Short-Term and Long-Term disability
- Life Insurance
- Matching 401(k)
- Generous Paid Time Off and Holidays
- Education dollars for training and certifications
Employment Type
Full-Time
