Claims Adjuster III

Job Overview

FCCS is seeking a highly motivated, forward‑thinking professional to join its Claims team as a Claims Adjuster III focused on management liability lines. This senior‑level role handles complex Employment Practices Liability (EPL), Directors & Officers (D&O), Professional Liability, and Bond claims while also supporting broader property and casualty lines within established authority limits. The position is based in Denver, Colorado, with a hybrid schedule that allows remote work three days per week.

The salary range for this position is $77,000 – $112,000 annually, with an annual bonus opportunity.

• Serve as the lead adjuster on complex and litigated claims involving EPL, D&O, Professional Liability, and related management liability coverages.
• Review, evaluate, and resolve complex and litigated claims for both self‑insured and insured clients within assigned authority.
• Handle claims across multiple lines of coverage, including management liability (EPL, D&O, Professional Liability, Bond), General Liability, Auto Liability and Physical Damage, Property, Bankers’ Blanket Bond, Flood, Workers’ Compensation, and related coverages.
• Establish and maintain accurate reserves, payments, and documentation within the claims management system, supporting data integrity and cleanup initiatives.
• Maintain developed standards and determine compensability, coverage, and liability; authorize medical care or repairs; manage litigation defense; review medical and legal bills; oversee subrogation and salvage; and submit timely excess carrier reporting.
• Adjust claims exceeding authority under the supervision of the Claims Manager or senior Risk Management leadership.
• Identify subrogation opportunities, secure evidence, pursue recoveries, process payments, and ensure reimbursement of applicable deductibles.
• Prepare, manage, and argue disputed claims through arbitration, ensuring compliance with applicable rules and deadlines.
• Manage total loss claims, including vehicle valuations, settlement negotiations, lienholder coordination, and salvage disposition.
• Maintain proactive and professional communication with injured employees, employers, medical providers, vendors, clients, and attorneys.
• Facilitate prompt treatment, recovery, and return‑to‑work efforts where applicable.
• Assist with Medical Stop Loss claim activities.
• Review loss control documentation quarterly to support compliance and risk mitigation.
• Participate in claim reviews with auditors, customers, internal leadership, excess carriers, and insurer partners.
• Monitor shared inboxes and queues (Claims, Incident, and Cyber) and ensure timely claim setup, triage, and initial outreach.
• Participate in a rotational monitoring of cyber claims, including claim setup and coordination of initial triage calls with insurers.
• Serve as a knowledgeable resource for customers on coverage interpretation and claims‑related questions.
• Provide guidance on risk management and mitigation related to employee safety, fleet operations, property, parking lots, and vendor exposures.
• Collaborate with Accounting and RMIS teams to identify system efficiencies and process improvements.
• Assist with vendor partner relationships and new partnership development as needed.
• Support policy language review and provide feedback to improve clarity and coverage alignment.
• Participate in departmental initiatives, marketing efforts, and cross‑functional collaboration within Risk Management.
• Attend and contribute to conferences, training, and customer education sessions (virtual and in‑person).
• Maintain required licenses and designations through continuing education and pursue additional credentials as appropriate.

• Bachelor’s degree required.
• Two or more years’ experience or the equivalent handling management liability claims.
• Seven or more years’ experience or the equivalent in the property & casualty industry.
• Experience handling claims of self‑insured clients preferred.
• Ability to analyze claims data and clearly articulate and translate same into business analysis reports and graphics demonstrating claims trends and developments.
• Strong verbal and written communication skills…