Established in 1993, CIBA Insurance Services offers a unique insurance program that has become the benchmark for providing commercial property owners and managers with broad commercial coverage for property and liability risk protection. We are dedicated to providing our customers with unsurpassed service in underwriting, claims management, risk management, and providing innovative solutions to complex insurance needs. Senior Commercial Claims Representative / General Adjuster

Location: Remote / Hybrid Options Available

Salary: $90,000 - $100,000 Annually (DOE)

Position Type: Full-Time

CRITICAL REQUIREMENT NOTICE - PLEASE READ BEFORE APPLYING:

This is a Senior-Level Role requiring extensive, hands-on field experience. We are specifically seeking specialists capable of independently managing large-loss commercial claims from inspection to final resolution. Candidates without a minimum of 5 years of dedicated large/complex commercial property adjusting experience and expert-level Xactimate proficiency will not be considered.

Job Summary

We are seeking a highly experienced Senior Commercial Claims Representative / General Adjuster to join our elite claims team. In this role, you will take full ownership of large-scale, complex commercial property losses, business interruption/loss of income claims, and multi-carrier programs. You will be responsible for complex coverage analysis, on-site structural damage inspections, and writing comprehensive, defensible reports within a Third-Party Administrator (TPA) and Reinsurance framework.

Key Responsibilities & Duties:

Complex Loss Adjustment: End-to-end management of large, high-exposure commercial and commercial-residential property claims.
On-Site Inspections: Frequent travel to loss sites to personally inspect structural damage, evaluate property losses, and accurately document conditions.
Advanced Coverage Analysis: Review and interpret complex commercial policies, endorsements, and multi-layered reinsurance programs.
Expert Estimating: Utilize Xactimate to write accurate, highly detailed, and professional repair estimates for large commercial structures.
Financial Evaluation: Calculate complex business interruption and loss of income exposures.
Reporting & Compliance: Author detailed, technical reports and maintain immaculate, legally defensible claim documentation within our database in strict accordance with statutory, regulatory, and ethical guidelines.

Mandatory Qualifications (Strictly Enforced):

Experience: 5+ years of verified experience directly adjusting large, complex commercial and commercial-residential property claims. (Note: General residential or low-level commercial experience does not qualify).
Technical Estimating: Expert-level Xactimate proficiency is mandatory. You must be able to scope and estimate massive, complex losses independently.
Industry Knowledge: Deep, working knowledge of Third-Party Administrator (TPA) workflows and Reinsurance programs.
Licensing: Active Resident or Non-Resident Adjuster License, with the ability to obtain reciprocal licensing quickly as required.
Autonomy: Proven ability to work completely independently in a self-managed, high-stakes environment.
Communication & Tech: Elite verbal and written communication skills (for executive-level reporting), strong analytical/numerical skills, and expert-level management of Outlook and claim databases.
Logistics: Valid driver's license, clean driving record, and active automobile insurance for required field travel.

Company Benefits Offered:

Medical, Dental, and Vision Insurance
Employer-paid Life Insurance
401(k) with Employer Contributions
Generous Paid Time Off (PTO) & Bereavement Leave
Training, Licensing, and Tuition Reimbursement Programs
Work From Home / Hybrid Environment with Job Flexibility
Positive, Team-Oriented Culture with regular Employee Events
Employee Referral & Company-wide Recognition Programs

Application Filtering Notice:

We thank all applicants for their interest; however, due to the high volume of applications and the strict technical demands of this role, only candidates who explicitly demonstrate the required 5+ years of large commercial loss experience in their resume will be contacted for an interview.

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