Claims Adjuster II

Job Details

Job Location:

MO - Columbia, MO 65202

Job Category:
Insurance Pay Philosophy

The typical starting salary for this position is determined by a number of factors, including, but not limited to, acquired skills, experience, education, and certifications/designations. This position may be eligible for annual merit increases and participation in our bonus program.

Join our team as a Claims Adjuster II. In this position, you will be responsible for handling moderately complex commercial claims including property, auto, general liability, or workers’ compensation that may involve legal representation.

At Columbia Insurance, we believe our people are the heart of our success and our greatest strength. With robust benefits, a fun, family like atmosphere, and a culture that thrives on real connections, Columbia truly is the place to be. Our vision is to lead the industry in people first partnerships. The best way to achieve that is by bringing together a team of skilled, passionate, and talented individuals.

• Medical, Dental, and Vision coverage
• 401(k) and company match
• Generous paid time off (PTO), paid company holidays, paid maternity/paternity leave, and supplemental sick leave
• Family like culture
• Year round wellness initiatives
• Company sponsored events
• Opportunities for professional development with conferences, events, and continued education

Our legacy has roots back to 1889 when we first became part of the mutual insurance movement in the Midwest. Today, our extensive heritage resonates nationwide, as we proudly serve customers in 14 states across the country.

The Claims Adjuster II handles moderately complex commercial claims including property, auto, general liability, or workers’ compensation that may involve legal representation. This role involves independent investigation, coverage interpretation, liability analysis, and damage evaluation in various state jurisdictions. You will work closely with internal and external partners to resolve claims promptly, fairly, and within authority limits, using modern claims technologies and best practices.

• Handle a diverse caseload of minor to moderate commercial claims (property, liability, auto, or workers' comp) through final resolution.
• Promptly review new losses and determine initial plan of action.
• Conduct in-depth coverage analysis involving manuscript policies, endorsements, and exclusions.
• With guidance, prepare Reservation of Rights and Declination of Coverage letters, as applicable.
• Investigate and determine liability by collecting statements, evidence, coordinating expert inspections, and reviewing contracts and statutes.
• Demonstrated ability to evaluate comparative and contributory negligence, contractual liability, and damages.
• Establish and adjust reserves as warranted to ensure accurate reserving commensurate with claim exposure.
• Review all expense bills for appropriateness, accuracy and adherence to Company billing practices.
• Perform detailed damage evaluations, including moderate property damage or bodily injury claims.
• Negotiate settlements within authority.
• Verify accuracy of any payments within individual authority and secure approval when appropriate.
• Recognize, notify, and pursue other culpable parties and seek contribution as warranted.
• Work closely with defense counsel when appropriate in pre-suit matters.
• Provide detailed file documentation/notes consistent with departmental guidelines.
• Maintain full compliance with jurisdictional requirements and documentation standards in multi-state environments.
• Other duties as assigned.

• 3-5 years of experience handling commercial claims.
• Strong technical understanding of commercial policies and coverage analysis, with experience handling some minor to moderate coverage matters.
• Proficient in policy interpretation, exposure analysis, and jurisdictional claims practices across multiple states.
• Excellent negotiation, analytical, and customer service skills.
• Ability to communicate clearly and professionally.
• Proven ability to manage challenging conversations with policyholders.
• Strong organizational and time-management skills.
• Technical knowledge of commercial insurance laws, regulations, and best practices.
• Proven ability to manage competing priorities in a fast-paced environment.
• Strong written and verbal communication skills, with the ability to present information clearly and…