Field Claims Representative

Full job description A career at Auto-Owners is challenging and rewarding. Our group of caring associates create financial security by helping individuals and businesses make a new start when a loss occurs.

Auto-Owners Insurance, a top‑rated insurance carrier, is seeking a motivated and experienced field claims professional in the Toledo Region to join our team. Counties served include:

• Hancock
• Hardin
• Logan
• Seneca
• Huron
• Wyandot
• Crawford
• Marion
• Morrow

This role handles insurance claims in the field under general supervision through the life‑cycle of a claim—including investigation, evaluation, and resolution.

Responsibilities include:

• Investigate and assemble facts, determine policy coverage, evaluate the amount of loss, and analyze legal liability.
• Handle multi‑line property and casualty claims in an assigned territory with an emphasis on property claims.
• Become familiar with insurance coverage by studying policies, endorsements, and forms.
• Work toward claim resolution, and may attend arbitrations, mediations, depositions or trials as necessary.
• Ensure that claim payments are issued in a timely and accurate manner.
• Conduct investigations by phone, mail, and on‑site.

• Bachelor’s degree or direct equivalent experience handling property and casualty claims.
• Minimum of 3 years handling multi‑line property and casualty claims with an emphasis on property claims.
• Field claims handling experience preferred but not required.
• Knowledge of Xactimate software preferred but not required.
• Above average communication skills, written and verbal.
• Ability to resolve complex issues and organize and interpret data.
• Ability to handle multiple assignments and effectively deal with a diverse group of individuals.
• Strong mathematical skills, including geometry, unit costs, and understanding of personal and business finance documents.
• Valid driver’s license and reliable driving record consistent with company underwriting guidelines.

• Competitive base salary.
• Matched 401(k).
• Fully‑funded pension plan (once vested).
• Bonus programs.
• Generous paid time off including holidays, vacation days, personal time, and sick leave.
• Friendly work environment.
• Structured training program and employee mentoring.
• Excellent compensation and benefits package.

Auto-Owners Insurance is an equal opportunity employer. The Company hires, transfers, and promotes on the basis of ability, without consideration of disability, age, sex, race, color, religion, height, weight, marital status, sexual orientation, gender identity or national origin, or any factor contrary to federal, state or local law.

Please note that the ability to work in the U.S. without current or future sponsorship is a requirement.