Claims analyst Jobs in Independence, MO

Claims Specialist

The Claims Specialist serves as an independent claims professional and trusted advisor, responsible for the proactive analysis, advocacy, and resolution of complex commercial claims on behalf of HUB International clients across General Liability, Auto, Property, Workers' Compensation, Professional Liability, Cyber, and other specialty lines.

The position operates with substantial autonomy and exercises discretion and independent judgment with respect to matters of significance, including coverage interpretation, carrier negotiation, reserve evaluation, settlement strategy, and litigation oversight. The Claims Specialist is available on a 24/7/365 basis to respond to time-sensitive client incidents, catastrophic losses, and emergency coverage matters.

Essential Duties and Responsibilities

• Coverage Analysis and Interpretation. Independently reviews insurance policies, endorsements, and contractual risk-transfer provisions. Analyzes coverage positions, interprets policy language as applied to specific loss facts, and renders informed coverage opinions and recommendations to clients, producers, and internal leadership.
• Independent Judgment on Matters of Significance. Exercises discretion and independent judgment in evaluating liability, assessing damages, challenging carrier coverage positions, formulating advocacy strategy, and recommending courses of action that have direct financial and operational impact on the client and the firm.
• Carrier and Adjuster Advocacy. Negotiates directly with carrier adjusters, claim managers, defense counsel, and third-party administrators to challenge coverage denials, dispute reserves, escalate handling concerns, and drive outcomes consistent with policy intent and client objectives.
• Complex Claim Portfolio Management. Independently manages an active inventory of commercial claims across multiple lines of coverage, prioritizing matters based on exposure, complexity, and client significance without day-to-day supervisory direction.
• Client Consultation and Advisory Services. Serves as the primary claims advisor to assigned client accounts. Leads claim review meetings, presents loss-trend and reserve-development analysis, and delivers strategic guidance to risk managers, finance leaders, and executive stakeholders.
• Litigation Oversight. Monitors litigated claims, coordinates with defense counsel, evaluates legal strategy, participates in mediations and settlement discussions when appropriate, and provides recommendations on settlement authority and exposure.
• Reserve and Valuation Analysis. Evaluates carrier reserves and total incurred values, identifies over- or under-reserved files, and develops independent valuation opinions to support advocacy and client reporting.
• 24/7/365 Availability. Responds to after-hours, weekend, and holiday claim emergencies, catastrophic events, large losses, and time-sensitive coverage matters on behalf of clients and producers.
• Reporting and Documentation. Prepares written coverage analyses, loss summary reports, advocacy memoranda, and executive briefings. Maintains accurate and timely records within the Broker Management System (EPIC).
• Regulatory and Ethical Compliance. Handles all claim activity in accordance with applicable statutory and regulatory requirements, HUB Broker Standards, and professional ethical obligations.
• Cross-Functional Collaboration. Partners with producers, account executives, account managers, and service team members to align claims strategy with the broader client risk management program.

Key Competencies

• Analytical Judgment. Ability to interpret complex policy language, evaluate factual investigations, weigh competing positions, and reach defensible conclusions independently.
• Coverage Expertise. Working command of multiple lines of commercial coverage and the ability to apply that knowledge in real time to evolving claim scenarios.
• Negotiation and Advocacy. Confidence and skill in challenging carrier and adjuster positions and securing favorable outcomes for clients.
• Written and Verbal Communication. Ability to author professional coverage analyses, advocacy correspondence, and executive-level reports, and to present findings to sophisticated client audiences.
• Initiative and Autonomy. Self-directed management of a claims inventory with minimal supervision, including prioritization of competing matters across multiple clients.
• Discretion and Confidentiality. Sound judgment in handling sensitive client, employee, carrier, and litigation information.
• Professional Presence. Composed, credible engagement with clients, carriers, attorneys, and internal partners.

Qualification Requirements

• Minimum of 2 to 3 years of commercial insurance claims, brokerage claims advocacy, or property and casualty adjusting experience required.
• Working knowledge of multiple commercial lines of coverage preferred, including General Liability, Auto, Property, Workers' Compensation, Professional Liability, and Cyber.
• Bachelor's degree preferred; high school diploma or equivalent required.
• Professional industry designations such as AIC, AINS, CPCU, ARM, or equivalent preferred or in active pursuit.

Licensing Requirements

• Active state Property and Casualty Adjuster License required, or the ability to obtain one within 120 days of hire.
• Non-resident adjuster licensing in additional states required based on the geographic footprint of assigned client accounts.
• Responsible for maintaining all required licenses in good standing, including completion of continuing education and timely renewal.
• Adherence to all applicable state regulatory and licensing requirements governing claims advocacy and handling activity.

Communication and Language Skills

• Ability to read, interpret, and apply complex policy contracts, coverage forms, statutes, and regulatory guidance.
• Strong written communication skills, including the ability to author professional coverage analyses, advocacy correspondence, and executive-level reports.
• Ability to effectively present to and consult with clients, carriers, and internal leadership.
• Bilingual in English and Spanish a plus.

Reasoning Ability

• Ability to identify issues, gather and evaluate evidence, establish facts, and draw valid conclusions across abstract and concrete variables.
• Ability to interpret detailed technical, legal, and contractual material and to apply professional judgment to ambiguous or competing facts.

Mathematical Skills

• Ability to perform calculations using whole numbers, fractions, decimals, and percentages in the context of reserves, settlement valuations, and loss analyses.

Computer Skills

• Proficiency in Microsoft Office, including Excel, Word, PowerPoint, and Outlook.
• Working proficiency in the Broker Management System (EPIC) and carrier claims portals.

Physical Requirements

• The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this job, the employee is regularly required to talk and hear. The employee is frequently required to stand, walk, sit, and use hands to finger, handle, or feel. The employee must occasionally lift or move up to 25 pounds. Specific vision abilities required by this job include close vision and distance vision. Travel by car is required to attend client meetings, loss inspections, and other professional events.

Other Requirements

• Valid driver's license
• Dependable transportation
• Availability to respond to client and carrier matters on a 24/7/365 basis, including evenings, weekends, and holidays