Experienced Surety Bond Desk Adjuster

By joining Sedgwick, you'll be part of something truly meaningful. It’s what our 33,000 colleagues do every day for people around the world who are facing the unexpected. We invite you to grow your career with us, experience our caring culture, and enjoy work-life balance. Here, there’s no limit to what you can achieve.

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Handles losses and claims valued up to $15,000 for property and casualty insurers through the thorough examination of documents, records, loss reports, and other relevant documentation. Efficiently manages a case load using technology for efficient claim processing.

• Experienced in investigating, evaluating and resolving claims related to surety bonds.
• Requires strong analytical skills, legal and contractual knowledge and the ability to manage complex claims involving contractors, obligees, principals and underwriting partners.

• Investigate and analyze surety bond claims, including performance, payment, license & permit, and miscellaneous bond types.
• Determine coverage, liability, and exposure based on bond language, indemnity agreements, contracts, and applicable laws.
• Conduct fact-finding activities, including document review, interviews, and coordination with legal counsel, underwriters, and forensic experts as needed.
• Prepare detailed claim evaluations, recommendations, and reserve analyses—Manage claims through resolution, including litigation support, mediation, arbitration, or settlement.
• Ensure compliance with all regulatory, statutory, and internal claims handling standards.
• Maintain accurate, timely, and well-documented claim files in the claims management system.
• Communicate claim status clearly and professionally with internal stakeholders and external parties.
• Evaluates insurance policies, claims forms, policies, endorsements, carrier instructions, and other records to determine insurance coverage.
• Conducts thorough investigations, gathers official reports as needed, consults police and hospital records and inspects physical damage or written estimates for damages based on a conducted inspection to determine extent of company’s liability and varying methods of investigation, according to type of insurance.
• Interviews, telephones, and/or corresponds with claimant and witnesses regarding claim.
• Estimates cost of repair, replacement, or compensation.
• Prepares report of findings and negotiates claim settlements by adhering to carrier instructions and obtaining necessary information. Issues settlement checks, files regulatory documents, and handles salvage and subrogation as applicable.
• Recommends litigation by legal department when settlement cannot be negotiated.
• Attends litigation hearings and participates in depositions as necessary.
• Revises case reserves in assigned claims files to cover probable costs.
• Maintains an expected caseload efficiently.
• Utilizes technology and automation tools for efficient claim handling.
• Sends claims exceeding $15,000 gross loss amount to leadership for authority approval.

• Performs other duties as assigned.

Bachelor's degree from an accredited college or university preferred. Must obtain IIA-AIC designation within 12 to 18 months in the role. Appropriate state adjuster license is required.

Three (3) year of related experience or equivalent combination of education and experience required. Prior experience handling property and casualty claims a plus but not required.

• Empathetic claims handling demeanor
• Strong communication, analytical, organizational, and interpersonal skills
• PC literate, including Microsoft Office products
• Analytical and interpretive skills
• Negotiating skills
• Ability to create and complete comprehensive, accurate and constructive written reports
• Ability to work in a team environment
• Ability to meet or exceed Performance Competencies