Auto​/Physical Damage Claims Representative

A career at Concord Insurance Group 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.

The Auto Physical Damage Adjuster investigates, evaluates, and determines the appropriate disposition of all types of claims arising out of the Company’s business. This job also provides service to agents, insureds, and others in the course of handling those claims to their conclusion. Work is performed under general supervision.

• Assemble facts, determine coverage, evaluate the amount of loss, and analyze legal liability
• Make payments in accordance with coverage, damage, and liability determination and perform other functions or duties to properly adjust the loss
• Study insurance policies, endorsements, and forms to develop foundational knowledge of Company insurance products
• Learn and comply with claim handling procedures
• Develop skills in claim negotiations and settlements
• Effectively service needs of agents, insureds, and others
• Meet with people involved with claims, sometimes outside of our office environment
• Obtain and maintain appropriate adjuster’s license(s) as required
• Complete relevant continuing education programs as required
• Maintain punctual attendance according to an assigned work schedule at a Company approved work location
• Handle claims activities and investigations by phone, mail, and occasional on-site investigations
• Use technology-based information for reference, enter information into computer systems and develop specialized skills, including but not limited to property estimating, auto estimating, and use of computer-based programs as tools
• Work on increasingly complex claims as assigned

• Bachelor’s degree or direct equivalent experience with property/casualty claims handling
• Ability to read, interpret, and react to documents such as insurance policies, procedure manuals, and legal documents
• Ability to assemble information, develop opinions, and clearly express decisions using sound reasoning and judgment
• Ability to write reports and compose correspondence
• Ability to communicate, in both oral and written formats, in a polite, clear, concise, and accurate way
• Ability to demonstrate good problem-solving and interpersonal skills
• Ability to accurately deal with mathematical problems, including geometry (area and volume) and financial areas (such as accuracy in sums, unit costs, and the capacity to read and develop understanding of personal and business finance documents)
• Ability to effectively deal with a diverse group of individuals and managed varied factual circumstances
• Ability to organize assigned work
• Ability to maintain confidentially and data security
• Ability to maintain a professional image
• Ability to demonstrate basic knowledge in insurance policy review and sound organization of both investigation material and work to meet Company customer service standards
• Ability to perform job functions independently

• medical
• vision
• dental
• life insurance
• disability insurance
• a generous paid time off program for vacation, personal, sick time, and holiday pay
• parental leave
• adoption assistance
• fertility treatment assistance
• a competitive 401(k) plan with company match
• gym member/fitness class reimbursement
• additional resources and programs that encourage professional growth and overall wellness

Since 1928, The Concord Group has been protecting families and small businesses across New England with trusted, personal insurance solutions. The Concord Group is a member of The Auto Owners Group of Companies and is recognized as a leading insurance provider through the independent agency system. Rated A+ (Superior) by AM Best, the company is represented by more than 550 of the best local independent agents throughout Maine, Massachusetts, New Hampshire, and Vermont.

At Concord Group, we believe in more than just insurance, we believe in our people. Our associates thrive in a supportive, collaborative workplace where community involvement, professional growth, and shared values drives everything we do. Starting your career with The Concord Group means…