Consultant Claims

We’re determined to make a difference and are proud to be an insurance company that goes well beyond coverages and policies. Working here means having every opportunity to achieve your goals – and to help others accomplish theirs, too. Join our team as we help shape the future.   

The Claim Consultant role is a desk-based, inside adjusting position with a primary focus on Motor Truck Cargo and Motor Truck Physical Damage (MTC/APD) claim handling for Navigators, an Excess and Surplus Lines company of The Hartford. The ideal candidate will bring substantial hands-on experience adjusting first party transportation-related and cargo losses, with direct involvement in time-sensitive cargo claims, commercial vehicle physical damage, and stakeholder-dense transportation losses.

While the primary emphasis of this role is Motor Truck Cargo and Motor Truck Physical Damage claims, the Claim Consultant may flex and assist with other First Party Commercial Property and Inland Marine claims as business needs require.

Claim File Management

Plan and execute comprehensive claim strategies—including investigation, valuation, disposition, settlement, and reserving—while accurately assessing exposure, effectively managing priorities and vendors, ensuring compliance with all policies and regulations, and clearly communicating claim status and outcomes to partners and management.

Customer Service

Maintain a strong customer focus by proactively gathering and applying insights to improve products and services, building trusted relationships, and using diplomacy and tact to effectively navigate and diffuse high‑tension situations while consistently meeting or exceeding expectations.

Business Acumen and Technical Expertise

• Demonstrated expertise in handling Motor Truck Cargo and Motor Truck Physical Damage claims, including complex, high-severity, and operationally urgent transportation losses.
• Working knowledge of Carmack Amendment exposure, transportation contracts, and the interaction between policy coverage, contracts of carriage, and statutory frameworks.
• Proven ability to preserve recovery and subrogation rights against shippers, loaders, warehouses, carriers, repair vendors, and other third parties, including early identification of contractual and statutory recovery opportunities.
• Working knowledge of commercial vehicle systems, including engines, drivetrains, axles, suspensions, frames, reefer units, liftgates, trailers, and material handling components.
• Familiarity with emergency cargo mitigation and salvage strategies.
• Proficiency reviewing and analyzing transportation documentation, including bills of lading, shipping manifests, invoices, contracts of carriage, delivery receipts, and temperature records.
• Familiar of coverage as applies to loss scenarios such as theft, load shift, temperature excursion, contamination, wet damage, spoilage, and mysterious disappearance.

Qualifications:

• College degree or minimum 3–5 years of hands-on experience handling Motor Truck Cargo and/or Motor Truck Physical Damage claims required.
• Demonstrated experience handling time-sensitive transportation losses involving perishable or temperature-sensitive cargo strongly preferred.
• Experience with Commercial Property and Inland Marine claims beyond MTC/APD preferred.
• State required adjusting licenses.
• TRIP, AMIM, CCPAC, AIC, CPCU, CCP and/or TRS designation preferred.
• Commercial insurance experience required.
• Excess & Surplus Lines experience preferred.

WHAT ELSE CAN YOU TELL ME?

• This role can have a Hybrid or Remote work arrangement. Candidates who live near one of our office locations (Hartford, CT, San Antonio, TX, Lake Mary, FL, Sunrise, FL,  Scottsdale, AZ, Alpharetta, GA, and Naperville, IL) will have the expectation of working in an office 3 days a week (Tuesday through Thursday). Candidates who do not live near an office will have a remote work arrangement, with the expectation of coming into an office as business need arise. 

• For full-time, occasional, part-time or remote positions: (1) high speed broadband internet service is required, we do not recommend or support DSL, wireless, Wi-Fi, Hotspots, Fiber without a modem and Satellite; (2) Internet provider supplied modem/router/gateway is hardwired to the Hartford issued computer with an ethernet cable; and (3) minimum upload/download speeds of 10Mbps/75Mbps will be required. To confirm whether your Internet system has sufficient speeds, please visit http://www.speedtest.net from your personal computer.

How We Focus on Your Wellbeing: ​

• 401K, Medical, Dental, Vision, Life and Disability Insurance. Effective day 1. ​

• 25 days paid time off in your first full year and Paid Holidays

• Click on this link to learn more about our comprehensive benefits package and award-winning well-being program: https://www.thehartford.com/careers/benefits

• Tuition reimbursement - up to $5,250 (undergraduate) and $6,000 (graduate) for tuition and registration fees for degree programs that support   your career development (subject to additional requirements)​.

• Student Loan Paydown Program – eligible to participate after 6 months of service. The Hartford will make a direct contribution of $125 per month – with a lifetime maximum up to $10,000 – as a supplemental payment towards your student loan in order to help you manage the stress of student debt and help you pay down your student loan faster.

Compensation

The listed annualized base pay range is primarily based on analysis of similar positions in the external market. Actual base pay could vary and may be above or below the listed range based on factors including but not limited to performance, proficiency and demonstration of competencies required for the role. The base pay is just one component of The Hartford’s total compensation package for employees. Other rewards may include short-term or annual bonuses, long-term incentives, and on-the-spot recognition. The annualized base pay range for this role is:

Equal Opportunity Employer/Sex/Race/Color/Veterans/Disability/Sexual Orientation/Gender Identity or Expression/Religion/Age