Claim Investigation Specialist-Personal Umbrella

Title: Claim Investigation Specialist-Personal Umbrella (hybrid)

Location: Peoria United States

Job Description:

time type

Full time

job requisition id

R1278

About Us 

We’re not like other insurance companies. From our specialty products to our business model, our culture to our results — we’re different. Different is who we are, and how we work, interact, deliver and succeed together. Creating a different and better insurance experience doesn’t just happen. It takes focus and a shared passion for going beyond the expected to forge relationships and deliver care that makes a difference. This approach rises from and is supported by our talented, ethical and smart team of employee owners united around a single purpose: to work alongside our customers and partners when they need us, in unexpected ways, with exceptional results. Apply today to make a difference with us. 

 

RLI is a Glassdoor Best Places to Work company with a strong, successful background. For decades, our financial track record has been stellar — a testament to our culture and validation of our reputation as an excellent underwriting company.

 

 

Position Overview

 

This is an exciting opportunity to join our redesigned and growing Personal Umbrella Claims Team assisting with the management of excess liability claims. We are looking for A+ professionals who can thrive in a fast-paced environment, are eager to develop as a claim examiner and play a critical role in investigating, evaluating and resolving excess claims. If you embrace learning and are looking to develop your skills handling liability claims, come learn why RLI is different.

 

Principal Duties & Responsibilities

 

• Rapid fact development: obtain and analyze police/fire reports, accident response letters, 911 audio, dash/body-cam requests, scene photos, surveillance/video preservation, and public-record pulls (DMV, court dockets, etc.).

• Medical & damages file-build: request authorizations, order medical/billing, build medical chronologies and specials summaries; flag prior injuries and apportionment issues for excess exposure analysis.

• Primary carrier stewardship: monitor and document the underlying carrier’s investigation progress; escalate gaps or divergence from best practices that could affect the umbrella.

• Open-source & social media research: perform targeted open-source research to corroborate activities, damages, or liability facts; document methodology and maintain chain-of-custody.

• Identify potential sources of third-party evidence (video, EDR data, dash cams) and issue preservation requests and deploy the appropriate experts to obtain; review for accuracy; extract and summarize key facts for claim notes; identify next steps.

• Vendor management: scope and assign field investigators, scene inspectors, nurse reviewers, accident reconstructionist; define deliverables, timelines, and budgets.

 

Education & Experience

• Bachelor’s degree preferred

• 2+ years of auto liability claim handling, paralegal, or legal investigator experience.

• Experience handling umbrella/excess claims and evaluating coverage is a plus.

 

Knowledge, Skills & Competencies

• Proactive in initial investigation, claim handling and resolution.

• Strong interpersonal and communication skills.

• Working knowledge of auto liability and defenses is preferred.

• Organized, self-motivated and detail oriented.

• Strong analytical and investigative skills, including experience with online research

• Able to manage multiple priorities and excel in a fast-paced environment.

 

 

 

Compensation Overview

The base salary range for the position is listed below. Please note that the base salary is only one component of our robust total rewards package at RLI. The salary offered will take into account a number of factors including, but not limited to, geographic location, experience, scope & responsibilities of the role, qualifications/credentials, talent availability & specialization, as well as business needs. The below range may be modified in the future.

 

Base Pay Range

$56,754.00 - $79,597.00

 

 

Total Rewards

At RLI, we're all owners. We hire the best and the brightest employees and allow them to share in the company's success through our Total Rewards. With the Employee Stock Ownership plan at its core, the Total Rewards program includes all compensation, benefits and perks that come with being an RLI employee.

 

Financial Incentives

• Annual bonus plans

• Employee stock ownership plan (ESOP)

• 401(k) — automatic 3% company contribution

• Annual 401k and ESOP profit-sharing contributions (Up to 15% of eligible earnings)

 

Work & Life

• Paid time off (PTO) and holidays

• Paid volunteer time off (VTO) to support our communities

• Parental and family care leave

• Flexible & hybrid work arrangements

• Fitness center discounts and free virtual fitness platform

• Employee assistance program

 

Health & Wellness

• Comprehensive medical, dental and vision benefits

• Flexible spending and health savings accounts

• 2x base salary for group life and AD&D insurance

• Voluntary life, critical illness, & accident insurance for purchase

• Short-term and long-term disability benefits

 

Personal & Professional Growth

RLI encourages its employees to pursue professional development work in insurance and job-related areas. We make a commitment to employees to provide educational opportunities that help them enhance their skills and further their career advancement. RLI fosters a true learning culture and encourages professional growth through insurance courses, in-house training and other educational programs. RLI covers the cost for most programs and employees typically earn a bonus upon successful completion of approved courses and certifications. Our personal and professional growth benefits include:

• Training & certification opportunities

• Tuition reimbursement

• Education bonuses

 

Diversity & Inclusion

Our goal is to attract, develop and retain the best employee talent from diverse backgrounds while promoting an environment where all viewpoints are valued and individuals feel respected, are treated fairly, and have an opportunity to excel in their chosen careers. We actively support, and participate in, initiatives led by the American Property Casualty Insurance Association that aim to increase diversity in the insurance industry. Cultivating an exceptional and diverse workforce to deliver excellent customer service reinforces our culture and is a key to achieving superior business results.

 

RLI is an equal opportunity employer and does not discriminate in hiring or employment on the basis of race, color, religion, national origin, citizenship, gender, marital status, sexual orientation, age, disability, veteran status, or any other characteristic protected by federal, state, or local law.