Commercial Property Claims Examiner

Job Title: Commercial Property Claims Examiner (Mid-Senior Level)

Location: On-site in Glen Allen, VA

Position Summary

We are seeking an experienced Commercial Property Claims Examiner to join our growing Excess & Surplus (E&S) Claims team. This position is responsible for the prompt, thorough, and professional handling of moderate to complex first-party commercial property claims, including large loss, catastrophe, and business income matters.

The ideal candidate is a proactive claims professional who is comfortable handling complex claims with limited supervision, thrives in a fast-paced environment, exercises sound judgment, and possesses strong coverage analysis, investigative, and negotiation skills.

Primary Responsibilities

• Independently investigate, evaluate, and resolve commercial property claims in accordance with company guidelines and applicable regulatory requirements.
• Analyze policy coverage, endorsements, exclusions, and conditions to determine coverage applicability and exposure.
• Write detailed coverage letters.
• Manage claims involving commercial buildings, business personal property, business income, extra expense, and catastrophe losses.
• Retain and direct independent adjusters, engineers, accountants, consultants, restoration vendors, and legal counsel as necessary.
• Establish and maintain accurate indemnity and expense reserves based upon current claim information and anticipated exposure.
• Conduct timely and meaningful claim reviews and document all claim activity in a complete, objective, and contemporaneous manner.
• Evaluate damages, negotiate settlements, and facilitate claim resolution within assigned authority.
• Identify claims presenting potential litigation, fraud, subrogation and salvage.
• Collaborate with underwriting partners to identify emerging loss trends and provide claim-related feedback regarding portfolio performance.
• Provide clear and professional communication to insureds, brokers, adjusters, attorneys, and other stakeholders.

Qualifications

• Bachelor's degree preferred or equivalent industry experience.
• Minimum 5 years of commercial property claims handling experience.
• Prior experience handling commercial property claims within an E&S, specialty, surplus lines, or complex commercial insurance environment strongly preferred.
• Demonstrated experience managing claims involving business income, large loss property damage, catastrophe losses, and coverage analysis.
• Strong knowledge of commercial property policy forms and endorsements.
• Ability to analyze complex factual, legal, and coverage issues and develop practical claim strategies.
• Excellent written and verbal communication skills.
• Strong organizational skills and ability to manage competing priorities.

Benefits Overview

• Medical, Dental, and Vision insurance plans. FSA/HSA plans available.
• Basic Life/AD&D/Short Term/Long Term Disability coverage.
• 401(k) - Company match of up to 6%
• Flexible PTO plan, 11 paid company-wide holidays, plus your birthday off.
• Recognized as a Top Workplace by Richmond Times-Dispatch

Equal Employment Opportunity (EEO)

Richmond National is an equal employment opportunity employer, the Company's employment decisions and practices are not and will not be unlawfully influenced or affected by race, color, creed, age, religion, national origin, sex, disability, genetic information, veteran status, uniformed services, sexual orientation (including transgender status, gender identity or expression), gender, traits historically associated with race, such as hairstyle, pregnancy, childbirth, or related medical conditions or on any other characteristic protected by applicable federal, state, or local law. This policy of equal employment opportunity applies to all policies and procedures relating to recruitment and hiring, compensation, benefits, and all other terms and conditions of employment.