Claims Adjuster III

JOB OVERVIEW

FCCS is seeking a highly motivated, forward-thinking professional to join its Claims team as a Claims Adjuster III, with a particular focus on management liability lines. This senior-level role will handle 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 Claims Adjuster III works closely with a broad range of internal and external stakeholders—including customers, claimants, attorneys, third-party administrators, vendors, insurers, and leadership across the organization—to ensure timely, accurate, and equitable claim resolution. Claims exceeding individual authority will be managed under the direction of the Claims Manager or senior Risk Management leadership. This position reports directly to the Claims Manager and collaborates closely with the broader Risk Management team to support operational excellence, system improvements, and strategic claims initiatives.

FCCS provides a tremendous culture for its employees with a focus on work/life values. In addition to competitive pay and benefits, our Denver-based employees operate on a hybrid schedule, currently working remotely 3 days/week. The benefits and bonus structure are unique and a competitive advantage for FCCS making us a Great Place to Work certified organization.

In addition to an annual bonus opportunity and competitive benefits, the salary range for this position is $77,000 -112,000 annually.

JOB RESPONSIBILITIES

Claims Management & Evaluation

• Serve as the lead adjuster on complex and litigated claims involving Employment Practices Liability (EPL), Directors & Officers (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.

Subrogation, Total Loss & Arbitration

• 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.

Communication & Coordination

• 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.
• Demonstrate strong attention to detail, responsiveness, and adaptability in a fast-paced environment.

Operational Support & Oversight

• 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.

Cyber & Incident Response

• Participate in a rotational monitoring of cyber claims, including claim setup and coordination of initial triage calls with insurers.

Customer Support & Risk Advisory

• 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.

Collaboration, Education & Continuous Improvement

• Collaborate with Accounting and RMIS teams to identify system efficiencies and process improvements.
• Assist with vendor partner relationships and development of new partnerships as needed.
• Support policy language review and provide feedback to improve clarity and coverage alignment.
• Participate in department 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.

JOB REQUIREMENTS

• 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/graphics demonstrating claims trends and developments.
• Strong verbal and written communication skills for working with employees at all levels of the company and clients.
• Organizational skills.
• Proven attention to detail and solid analytical skills.
• Proficient in Microsoft Office Suite (Word, Excel, PowerPoint)
• Able to meet deadlines under pressure and adjust to changing priorities.
• Able to prioritize and manage several tasks at once.
• Able to maintain a consistently high level of productivity and accuracy.
• Able to work in a fast paced, service-focused environment.
• Must enjoy working in a team environment while also able to work independently.

An Overview of FCCS. Our Expertise. Our Services.

FCCS was created in 1975 to help clients enhance their organizations and optimize their operations. In the 45 years since, we have:

• Expanded our business and consulting services to address the increasingly dynamic challenges of the marketplace.
• Introduced leadership development, governance, and talent management programs that have earned strong praise from boards, executives, and human resource officers, alike.
• Addressed the financial and operational concerns our clients face at the most pragmatic levels with legal consulting services, strategic risk management, and collective buying power.
• Diversified our clients and programs, bringing growth, new energy, and insight to our organization.

Headquartered in the Denver Tech Center, with approximately 50 employees, FCCS is proud to serve a variety of clients across the U.S.

We provide:

• Governance and Leadership Development
• Conferences, Programs, and Events for Professional Development
• Executive Coaching
• Thought Leadership and Professional Speakers
• Strategic Talent Management
• Merger, Acquisition and Corporate Finance Advisory
• Risk Management and Insurance Management
• Passkey Affinity Program

The unique blend of our expertise, services, programs, and conferences enables us to create enriching business solutions and help organizations to be more.

JOIN OUR GROWING TEAM!

Compensation:

• Competitive Salaries
• Annual Performance Bonuses

Benefits:

• 90-100% employer paid health insurance options.
• 10-13 paid holidays annually
• Open paid vacation time – Supervisor Approved
• Generous paid sick time
• Generous 401k matching and other benefits
• Casual Dress Code
• Collaborative and welcoming work environment
• Great Place to Work Certified

Being certified as a Great Place to Work reflects our collective efforts to foster a positive and inclusive workplace culture where everyone feels valued, supported, and empowered to do their best at work. This achievement is a testament to the incredible dedication, talent and passion that each of our employees brings to our organization every day. Click HERE to see the FCCS company profile on the Great Places to Work website.

FCCS is an Equal opportunity employer as to all protected groups, including protected veterans and individuals with disabilities.

FCCS may require job candidates to successfully complete a background check as a condition of employment.