Bodily Injury Claims Adjuster III

At Horace Mann, we understand that behind every claim is a person looking for guidance and support during a difficult time. We are seeking an experienced Bodily Injury Adjuster III to join our Claims team and manage complex, high-exposure bodily injury claims with professionalism, sound judgment, and technical expertise.

• Investigate and manage complex bodily injury claims, including litigation, uninsured/underinsured motorist claims, and other high-exposure losses.
• Verify coverage, determine liability, evaluate damages, and conduct thorough investigations to support claim decisions.
• Analyze medical documentation, applicable laws, and case precedent to complete comprehensive bodily injury evaluations.
• Demonstrate sound judgment in evaluating liability, damages, and settlement opportunities.

• Manage injury litigation from assignment through resolution.
• Prepare mediation and arbitration submissions and represent the company through the dispute resolution process.
• Partner with defense counsel and other legal professionals to develop claim strategies and achieve appropriate outcomes.
• Negotiate settlements while adhering to company best claim practices and regulatory requirements.

• Deliver an exceptional customer experience by maintaining proactive, transparent communication throughout the life of the claim.
• Keep insureds, claimants, attorneys, and other involved parties informed regarding claim status and resolution.
• Handle sensitive and high-stress customer interactions with professionalism and empathy.

• Serve as a technical resource and subject matter expert for complex bodily injury claims.
• Mentor and provide guidance to less experienced claim professionals.
• Share knowledge and best practices to support team development and continuous improvement.

• Maintain compliance with all state regulations, company policies, and claims handling standards.
• Obtain and maintain all required state adjuster licenses.
• Effectively utilize claims management systems and other technology tools to manage assigned inventory.
• Maintain ownership of assigned claims while meeting quality, productivity, and service expectations.

• Minimum 7 years of bodily injury claims experience preferred.
• Demonstrated experience handling complex bodily injury and litigation claims.
• Strong knowledge of insurance coverage, liability, medical terminology, and bodily injury evaluation.
• Experience handling Uninsured Motorist (UM) and Underinsured Motorist (UIM) claims.
• Proven ability to prepare and manage mediation and arbitration submissions.
• Strong business acumen, analytical skills, and sound decision-making abilities.
• Ability to work independently with minimal supervision.
• Obtain and maintain all required state adjuster licenses.
• Excellent investigation and negotiation skills.
• Strong verbal and written communication abilities.
• Superior organizational and time management skills.
• Exceptional customer service and relationship management.
• Ability to explain complex claim decisions clearly and professionally.
• Strong analytical thinking and problem-solving skills.
• Demonstrated leadership through mentoring and technical expertise.

• Normal office environment.
• Periodic travel may be required.

• $66,500.00 – $92,000.00 annually + bonus.

Horace Mann was founded in 1945 by two Springfield, Illinois, teachers who saw a need for quality, affordable auto insurance for teachers. Since then, we’ve broadened our mission to helping all educators protect what they have today and prepare for a successful tomorrow. We serve more than 4,100 school districts nationwide and are publicly traded on the New York Stock Exchange (symbol: HMN) with over $12 billion in assets.

We’re motivated by the fact that educators take care of our children’s future, and we believe they deserve someone to look after theirs.

EOE/Minorities/Females/Veterans/Disabled. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability or protected veteran status.