employment.htm - Quincy Mutual

ASSISTANT UNDERWRITER PERSONAL LINES

*Role could be filled at Assistant Underwriter II, Assistant Underwriter III, or Senior Assistant Underwriter I depending on selected candidate’s skills, experience, and knowledge.

POSITION SUMMARY:

Evaluate personal auto, property, and liability risks for acceptability in accordance with company underwriting guidelines and philosophies. Build positive relationships with agents and team members to achieve department and company goals. Assist underwriters in an engaging team environment.

Provide strong operational support to ensure insurance product transactions are completed accurately and in a timely manner. Identify opportunities to improve productivity and processes within the department and assist in the development and implementation of these methods. Complete individual tasks in a timely and accurate manner while also contributing to a team environment by accomplishing additional job-related responsibilities.

PRINCIPAL ACCOUNTABILITIES:

Underwriting Support

Support underwriters in reviewing and evaluating homeowner, automobile, and personal umbrella based on established guidelines to assess risks for such items as adequate coverage, type, amount, location of risks, and proper pricing.
Assist with the processing of new business applications, renewals, endorsements, cancellations, reinstatements, and non-renewals.
Review transactions to determine proper methods of processing.
Verify data and perform technical tasks in the data processing function.
Examine, revise, approve, and dispatch input and output materials according to established specifications.
Order and review miscellaneous reports needed in the rating and underwriting processes, such as Motor Vehicle Reports, loss history reports, credit checks, outside inspections, loss control, etc.

Agent Relationships

Develop productive relationships with the assigned agents by providing timely and professional customer service to facilitate the business processes.
Develop an understanding of assigned agents’ book of business to better apply analytical tools and metrics for decision making.
Contribute to effective marketing of company products and the development of essential agent engagement through the delivery of a high level of customer service.
Field and answer call overflow from underwriters in a prompt manner.
Handle escalated calls, exercising good judgment to make appropriate, respectful recommendations.

Other Responsibilities

Proactively identify ways to improve processes and efficiency.
Assist with the training and mentoring of junior team members.
Maintain organized and fully-documented Underwriting Files and databases on specific customer information and inquiries.
Complete quality control checks of assigned product lines.
Ensure responsibilities are completed accurately and in a timely manner.
This job description is not all-inclusive and may include additional duties as required.

JOB REQUIREMENTS:

EDUCATION:

Bachelor’s degree, or equivalent combination of education and experience.

Property & Casualty insurance courses preferred.

EXPERIENCE:

Minimum of one year of processing experience/exposure to property and casualty underwriting.

SKILLS:

Excellent written and verbal communication and interpersonal skills, including the ability to effectively communicate with internal and external customers and in a team environment.
Experience with Microsoft Office, including Word, Excel and Outlook
Basic knowledge of underwriting guidelines and rating an added benefit

Detail oriented and ability to multi-task while meeting deadlines and achieving expected levels of quality and accuracy.
Ability to adapt to change in a fast-paced environment and handle multiple priorities.
Analytical and mathematical skills to evaluate discrepancies in manually prepared and/or system-completed transactions and to interpret underwriting instructions accurately.
Ability to evaluate and identify the information required to make good underwriting decisions.

Ability to make good judgment and sound recommendations.

Willingness to learn, apply, and increase knowledge in a broad range of insurance laws, company policies, computer systems, and procedures relating to underwriting and operational procedures.

Sr. Commercial Property Claims Specialist
POSITION SUMMARY:
The Senior Commercial Property Claims Specialist is responsible for adjudicating high value and complex commercial property claims. This position is a key member of the Property Claims Team providing exemplary professional service to insureds in an expedient manner following all company guidelines, state, and federal laws. They will investigate, evaluate, estimate, negotiate and conclude commercial property claims under both BOP and CPP policies.
The ideal candidate will have a strong background in property adjusting and utilizing estimating software. Work will include occasional face-to-face contact with insureds, contractors and public adjusters while investigating and resolving first party property losses. Upon assignment, the Specialist may review coverage with insureds, schedule and perform inspections, determine cause of loss, scope losses, estimate repairs, negotiate, and conclude the claim. This person must be well informed on current market conditions, repair methodologies, and adjusting best practices. Strong commercial coverage knowledge, time management, flexibility, teamwork, integrity, and composure in difficult situations are critical to success.

Principal accountabilities align with Quincy Mutual’s core competencies, including:

Job Knowledge

Apply knowledge of company policies, procedures, and state insurance laws
Proactively investigate and resolve complex claims
Understand, interpret, and apply insurance policy language, incorporating case law, when appropriate
Schedule, inspect, scope, estimate and conclude first party property losses
Utilize estimating software to produce accurate and cost-effective estimates
Serve as a field resource for re-inspections, construction, and repair methods
Adhere to settlement authority and ensure proper payments are issued
Handle large personal losses, as needed
Articulate complex policy and coverage to a varied audience
Work with legal counsel to resolve complex issues outside of litigation
Create timely and accurate written communication including reservation of rights, determination of coverage, and large loss reports
Utilize appropriate experts based upon the merits of each claim

Judgment

Recognize coverage issues promptly and take appropriate action
Set accurate case reserves promptly according to Company guidelines
Subrogation and S.I.U. opportunities properly identified and referred
Advance prominent issues to other senior leaders when appropriate
Follow good faith and fair dealings practices at all times
Proactively develop appropriate and effective strategies to resolve issues
Utilize common sense perspective in reviewing claim facts to properly adjudicate losses and manage loss costs
Communication, Relationship Building and Teamwork
Provide consistent and timely handling of assigned claims
Provide prompt, efficient, professional communications to all stakeholders
Negotiate effectively to maximize claim outcomes
Build professional, positive collaborative relationships internally and externally, including agents and brokers
Participate in department and company trainings and meetings
Share information in a professional manner, whether written or orally
Routinely share knowledge and experience with team members and stakeholders
Communicate difficult information in a professional manner
Develop and maintain strong relationships with Underwriting, legal counsel, and Marketing

Business insight and analytics

Review, synthesize and act upon internal and external claim data
Conduct evaluation of financial information to assess business income losses
Select and oversee appropriate vendors for optimum outcomes
Delivery and Productivity
Thorough documentation of investigations, evaluations, assessments, and outcomes
Coordinate and keep set appointments in a punctual and efficient manner
Take initiative on team projects and accountability for outcomes
Maintain or exceed department service level goals
Effectively work claim files to resolution with a diary system and according to industry leading practices
Participate in response to catastrophic events, including weekends and nights
Engage and actively participate in assigned projects, providing focused and pertinent information
Grit and Approach to Work
Persevere during periods of peak volume
Model positive behavior to all they interact with internally and externally
Act with intention and energetic spirit in the face of adversity
Receive and build upon direct feedback or instruction
Approach new topics and experiences with curious enthusiasm
Pitch in to achieve larger departmental goals and objectives

JOB REQUIREMENTS:
Education:

A four-year college degree or equivalent of directly related work experience
State insurance adjusting licensing required (RI + CT), current and in good standing
Professional development and insurance designations preferred (AIC, ARM, CPCU, etc.)

Experience:
Job description updated 12.8.2023 SH
Minimum seven years of complex commercial property claims field experience
Strong track record of building rapport and relationships with agents and insureds
Successful experience mentoring others
Travel:
Estimated travel of 25% within a pre-set geographical area
Some additional daily travel for educational or conference events
SKILLS:

Superior and timely professional customer service
Strong conflict resolution skills
Advanced computer proficiency with common Microsoft programs
Proficient to advanced use of estimating software, scene investigation, and scoping for estimate creation
Knowledge of building construction methods/ techniques, state building codes and damage appraisal
Familiarity with claim handling laws and regulation
Ability to assess various hazardous sites and act safely
Physical ability to climb a ladder and lift 40lbs safely
Ability to routinely drive for extended periods of time
Mathematically proficient from measuring to calculating settlements
Highly organized with the ability to prioritize and complete work
Effective time management and planning to set and follow through on inspections and follow up with required reporting
Strong written and verbal communicator, with solid problem solving and decision-making skills
Ability to work independently work for long periods of time
Please forward resume to HR@Quincymutual.com

Sr. Complex Casualty Claims Adjuster
As a casualty claims adjuster, you will handle various types of commercial and personal lines casualty exposures primarily focusing on homeowners and commercial general liability risks, with the objectives of developing strategies to ensure that claims are successfully resolved in the most efficient and effective way, while meeting established protocols and delivering optimal customer service. This challenging role ensures high quality claims handling in the investigation of the loss, analysis of coverage and liability, assessment of damages, and resolution of casualty exposures, including those in litigation.
As a member of the complex casualty team, the casualty claims adjuster sets an example for an environment built on accountability, teamwork, personal development, and proactivity working towards improving performance and contributing to department and Company success.
PRINCIPAL ACCOUNTABILITIES:
Job Knowledge

Conduct thorough investigation and expert analysis of claims facts to determine coverage, liability, and applies appropriate legal concepts to evaluate damages and recommend appropriate course of action.
Exhibit a sense of urgency and conduct timely, thorough claims investigations, including memorializing events and procuring evidence.
Exhibit high level technical skills in the assessment of claim values with an understanding of when to escalate appropriate claims to senior leadership.
Prepare and present reports for management that accurately reflect loss development, potential/actual financial exposures, risk transfer, reserve adjustments, coverage issues, and claim resolution strategies.
Attend and participate in industry related conferences, seminars, and webinars and demonstrating a personal commitment to professional development.
Ensure claims handling compliance and alignment with insurance regulations and Company policies.
Resolve claims through negotiation, mediation, and arbitration with minimal assistance.

Judgment

Take initiative to bring claims to a reasonable and appropriate resolution in a timely fashion using sound conflict resolution tactics
Analyze and interpret policy language and case law in conjunction with specific loss facts to reach appropriate coverage decisions.
Orchestrate the investigations of losses with external experts on a wide range of exposures and oversee adjustment through final resolution.
Exhibit a thorough understanding of medical terminology and causality and articulate the same in detail, connecting t findings to the facts of the loss.
Establish liability in a prompt and judicious manner based upon the information at hand, demonstrating effective critical/ strategic thinking and sound decision making
Clearly and professionally write coverage correspondence, including reservation of rights, 93A/regulatory complaint responses, and correspondence to attorneys in compliance with various state statutes and regulations.
Demonstrate reliability and dedication to fully execute responsibilities of the role.
Exercise good judgment with imperfect information.
Direct and control the activities and costs of numerous outside vendors.

Communication, Relationship Building and Teamwork

Possesses and demonstrates strong professional conduct, sharing their knowledge with others, collaborating with internal and external business partners, counsel, and other important stakeholders.
Effectively present and discuss loss facts and issues in discussion to peers and members of management.
Maintain well-documented and organized claim files and efficiently manage file inventory.
Approach difficult conversations in a well-prepared, professional manner.
Create and maintain a positive work environment and culture built upon teamwork and collaboration.
Foster positive, constructive working relationships within the Company and with assigned counsel and experts.
Presents appropriate claims during file conference to gain insight, guidance, and authority to resolve claims based upon their merits.
Mentors others, assisting them with developing deeper understanding of adjudicating complex claims.

Technology & Information

Safeguard systems and information within t scope of work against misuse, fraud, malware, and cyberattacks.
Maintain strict confidentiality with sensitive information.
Utilize resources provided by the Company to appropriately adjudicate claims.
Participates during user acceptance training, providing specific feedback to the implementation team on gaps requiring attention.

Skills:

Strong verbal and written communication skills with the ability to clearly articulate coverage and liability determinations in a prompt, professional, and courteous manner.
Ability to multi-task, handling various casualty exposures including personal and commercial lines auto and general liability products.
Highly skilled in coverage interpretation including person and commercial casualty exposures.
Exceptional interpersonal, research, analytical, and organizational skills.
Expert level negotiation skills, able to confidently present information.
Possesses and exhibits strong initiative, responsibility, and work ethic.
Collaborative thinking and strategizing with others come naturally to them.

* This job description is not all inclusive and may include additional duties.
This Job Description Does Not Constitute A Contract For Employment

May be required to assist during emergency situations, including nights and weekends.
JOB REQUIREMENTS:
EDUCATION:
Bachelor’s degree or equivalent experience. Juris Doctor preferred.
Industry designation(s)) strongly desired.
Must obtain CT, RI, and all required state adjuster licenses and maintain them as required.
EXPERIENCE:
At least eight years insurance claims experience with at least four of those concentrated in complex injury and general liability, including litigation.
Must have intermediate knowledge of computer programs in a Windows environment including Word, Excel, and E-mail.

Quincy Mutual is committed to giving back to the community. Together with our employees and charitable partners, we strive to make a positive impact on the community.

Resumes and inquiries may be submitted:
via email to:
talentacquisition@quincymutual.com

via fax to:
617-770-5206

via mail to:
Quincy Mutual Fire Insurance Company
Attn: Human Resources
P.O. Box 690392
Quincy, MA 02269-0392

Thank you for your interest in working for Quincy Mutual. We are an Equal Opportunity Employer.