Claims Adjuster - Commercial Auto Excess Casualty

Title: Claims Adjuster - Commercial Auto Excess Casualty

Location: Remote (United States)

Department: Reserv Claims Analysis, LLC

Job Description:

About the role

The Commercial Auto Excess Casualty Claim Specialist plays a critical role in managing high-severity commercial auto liability claims that may exceed primary policy limits. At Reserv, this specialist leverages cutting-edge automation, structured data, and modern claims systems to drive optimal outcomes while focusing on the most complex, high-impact aspects of claim handling. The role requires deep technical expertise, strong analytical skills, and the ability to collaborate within a fast-moving, technology-driven environment.

KEY RESPONSIBILITIES

• Investigate, evaluate, and resolve complex commercial auto liability claims involving excess layers of coverage, catastrophic injuries, multi-vehicle accidents, and high-exposure scenarios.
• Conduct advanced coverage analysis, including policy interpretation, endorsements, exclusions, and multi-jurisdictional considerations.
• Issue coverage position letters, including reservations of rights and denials, in alignment with regulatory and internal standards.
• Oversee litigation, partnering with defense counsel to evaluate strategy, monitor case progression, and ensure cost-effective, data-driven decision-making.
• Leverage Reserv's AI-powered tools to review claim summaries, severity predictions, and structured data insights to enhance accuracy and efficiency.
• Evaluate primary carrier handling and determine when excess involvement is triggered, ensuring timely and appropriate intervention.
• Collaborate with MGAs, carriers, brokers, and internal teams, providing clear communication and maintaining Reserv's high-touch, white-glove service standards.
• Document all claim activity within Reserv's modern claims platform, ensuring data accuracy and compliance with internal and external requirements.
• Participate in audits, trend analysis, and feedback loops to support continuous improvement and inform underwriting insights.

REQUIRED QUALIFICATIONS

• Bachelor's degree or equivalent experience.
• 10+ years of commercial auto liability or casualty claims experience, preferably with excess or high-severity files.
• Strong knowledge of coverage analysis, litigation management, and complex liability evaluation.
• Excellent communication skills, with the ability to translate complex issues into clear, actionable insights.
• Comfort working in a technology-driven environment with modern systems and data-rich workflows.
• Active insurance adjuster's license by way of a designated home state; home state license required if home state license is available
• Willing to obtain all licenses within 60 days, including completing state required testing

PREFERRED SKILLS & CERTIFICATIONS

• AIC, CPCU, SCLA, or similar designations. JD is also a huge plus.
• Experience with MGAs, TPAs, or non-admitted/excess & surplus lines.
• Familiarity with AI-enhanced claims tools or modern claims platforms (a strong plus at Reserv).

Benefits

• Generous health-insurance package with nationwide coverage, vision, & dental
• 401(k) retirement plan with employer matching
• Competitive PTO policy – we want our employees fresh, healthy, happy, and energized!
• Generous family leave policy after 8 months of continuous work
• Work from anywhere to facilitate your work life balance
• Apple laptop, large second monitor, and other quality-of-life equipment you may want. Technology is something that should make your life easier, not harder!

Additionally, we will

• Listen to your feedback to enhance and improve upon the long-standing challenges of an adjuster and the claims role
• Work toward reducing and eliminating all the administrative work from an adjuster role
• Foster a culture of empathy, transparency, and empowerment in a remote-first environment

At Reserv, we value diversity in backgrounds, perspectives, and life experiences and believe that diversity in viewpoints and critical thinking drives innovation, first-principles thinking, and success. We welcome applicants from all backgrounds and encourage those from all walks of life to apply. If you believe you are a good fit for this role, we would love to hear from you!