Senior Claims Specialist, Auto Personal Lines

The Opportunity

Are you looking for a caring, collaborative, values-driven workplace with inspiring teammates and leaders? Do you have the ambition and desire to be the best and thrive at the most impactful global insurance provider in the world? Look no further than Zurich Canada.

If you have experience in Personal Lines Auto claims and are looking for a new challenge, we would love to hear from you.

Zurich Canada is currently looking for a Senior Claims Specialist, Personal Lines Auto.

Reporting to the AVP, Personal Lines Auto Claims, you will handle single and multi-party personal claims of low to moderate exposure and complexity within specific limits of authority by following established protocols to ensure that claims are handled in the most efficient, effective way while delivering a customer-centric claims service.

This is a unique opportunity to build your knowledge and experience for the future in a supportive environment where your voice matters. The focus of this position will be to deliver excellent customer service with proactive communication to the customer and keep them informed at all stages of the claim.

This is a hybrid work opportunity.

What you will do:

• Document claims file by accurately capturing and updating claims data/information in compliance with best practices for low to moderate exposure and complexity for personal line auto claims
• Exercise judgement to determine liability by gathering and analyzing relevant facts; utilizing applicable law; establishing basic principles of negligence.
• Exercise judgement to determine policy verification and coverage determination by analyzing applicable coverage for claims and determining whether the loss falls within the coverage.
• Work to have a timely resolution to claims by developing case strategy; developing a case evaluation; escalating issues as appropriate.
• Establish timely reserves and perform ongoing review throughout claims cycle within authority limit by estimating and validating value of claims.
• Assess damages by calculating applicable damage or range of damages.
• Negotiate settlement of claim by establishing appropriate negotiation strategy and utilizing available tools and resources within authority limits.
• Meet quality standards by following best practices.
• Responsible for data integrity and the appropriate documentation of the claim's file as well as for compliance with regulatory notification requirements.
• Accountability in customer satisfaction and execute on our strategy to provide the best claims service in the commercial insurance business.
• Ensure customer service by proactively communicating information; responding to inquiries; following customer protocols based on our Best Practice.
• Manage expenses by working within vendor approved networks and managing scope of work assigned to outside vendors.
• Ensure legal compliance by following provincial, federal laws and regulations and internal control requirements.
• Refer claim to subrogation and SIU teams by identifying potential subrogation opportunity and fraud.
• Assist our recovery and salvage teams; as well as the customers and stakeholders throughout the settlement process of physical damages and total losses to ensure prompt and equitable settlement of claims.
• Protect Zurich's reputation by keeping claims information confidential.

Job Qualifications - What you bring to the table:

Basic Qualifications:

• Bachelor's degree or college Diploma in a relevant field, or equivalent work experience and 3 or more years of experience in auto or property claims
OR
• Completion of Zurich Claims Training Program and 3 or more years of experience in handling first party auto claims and third-party property claims.
• Zurich Certified Insurance Apprentice, including an Associate Degree and 3 or more years of experience in Claims or Insurance area
• High School Diploma or Equivalent and 5 or more years of experience in the Claims or Insurance area
• Good knowledge of insurance claims, knowledge of the vehicle repair process and of the legislation and regulations governing automobile insurance.
• General knowledge of automobile insurance policy wordings and products
• Results driven, ability to multi-task, pay attention to detail and follow procedures
• Excellent writing and presentation skills
• Microsoft Office experience
• Bilingual [French/English] an asset
• French fluency [oral/written] required for Quebec

Preferred Qualifications:

• Experience in handling first party automobile claims.
• Experience maintaining relationships with our brokers, underwriting partners, and other business functions.
• Strong analytical, critical thinking and problem-solving skills.
• Strong verbal and written communication skills.
• Understands claims adjustment process and possesses ability to determine scope/exposure for losses.
• Understands and applies financial and reserving concepts.
• Familiarity with negotiation strategies and experience in suggesting alternative approaches.
• Ability to manage a pending and multi-task, strong organizational and time management skills.
• Strong customer service experience.
• Proficient with Office 365 productivity tools and apps.
• Experience with using Mitchell Work Center, ARMS or Guidewire, is an asset.
• Completed or actively pursuing the Canadian Insurance Institute (CIP) designation.

Our Culture:

• At Zurich, we are proud of our culture. We are passionate about Diversity, Inclusion, Equity and Belonging (DEIB). We want you to bring your whole self to work, and we want our employees to be reflective of the communities in which we live and work. Our DIEB initiatives are creating an environment where everyone feels welcome.
• We have a collaborative culture where diversity of thought is valued. We value your input and strive to give our employees the tools they need to make an impact.
• We care about our employees' well-being and offer a comprehensive health/benefits plan with varying levels of coverage to suit your specific needs and a competitive total compensation package.We understand how important it is to rest, recharge and do the things you love. At Zurich, all employees receive a minimum of four weeks of vacation per year to do just that.
• We also understand that employees require time off for personal reasons. Maybe you have an appointment during a workday, a cultural or religious holiday you would like to observe, or you need time off to focus on your mental health. Zurich employees receive four personal days per year to be used at their discretion.
• We are committed to continuous improvement, and offer access to a comprehensive range of training and development opportunities.
• We care about our communities. Our communities are where our customers, people, and shareholders live and work. While we can be proud of the contribution to society Zurich makes through our core business of insurance, we must also give back to our communities through our talent, time and resources.
• We have won numerous awards for our workplace culture. We are proud to be one of Greater Toronto's Top Employers and to have received Insurance Business Canada's 5-Star Diversity, Equity and Inclusion Award.

Make a difference. Be challenged. Be inspired. Be supported. Love what you do. Work for us.

About Us:

Zurich Canada is part of the Zurich Insurance Group, a multi-line insurer with approximately 55,000 employees worldwide serving customers in global and local markets. Zurich Canada has been a leading insurance provider serving mid-sized and large companies, including multinational corporations, in the Canadian commercial market for 100 years. With over 500 employees in offices across the country, Zurich offers the global strength of a top insurance provider combined with in-depth knowledge of industries and local markets. Zurich Canada aspires to be risk management professionals' first choice as their premier partner to help meet the risk challenges of today and tomorrow. Read more at www.zurichcanada.com.