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Senior Complex Desk Adjuster, Third-Party General Liability (Primarily Home)

American Family Insurance Enterprise Claims
$69,000.00 - $115,000.00
paid time off, paid holidays, 401(k)
United States, Missouri, St. Joseph
Apr 28, 2026
In this senior level role, you'll investigate and maintain complex or highly complex claims general liability claims. You'll determine liability, secure information, review coverages, arrange appraisals, and settle claims. Complex casualty/GL claim across BOP, Commercial General Liability, and Farm/Ranch lines, including bodily injury and high-severity/complex coverage evaluations.

You'll handle contractor-related losses and premises liability (work-product allegations, slip-and-fall injuries, and third-party property damage), with claim mix averaging 60% property damage and 40% bodily injury, primarily for the midwestern states.

In this primarily home-based role, you will spend 4+ days per week working from home. Candidates must reside near of one of the following locations: Madison, WI 53783; Boston, MA 02110; Denver, CO 80112; Hopkins, MN 55343; Keene, NH 03431; St. Joseph, MO 64507; Phoenix, AZ 85034 metro areas.

Position Compensation Range:

$69,000.00 - $115,000.00

Pay Rate Type:

Salary

Compensation may vary based on the job level and your geographic work location. Relocation support is offered for eligible candidates.

Primary Accountabilities

  • Investigate origin and cause of claims by contacting the appropriate parties including insureds, claimants, agents, attorneys, contractors, experts, special investigation unit, other adjusters, public personnel, etc.

  • Identify complex issues and seeks assistance as needed. Handles claims on a good faith basis.

  • Handle 3rd party claims under multiple policy types and numerous endorsements.

  • Evaluates damages and handles claim negotiations with insureds, claimants, attorneys, public adjusters.

  • Responds to customer inquiries, makes appropriate decisions, and closes file as needed.

  • Interprets and determines policies, leases, by-laws, declarations, articles, and contract coverages and applies to all parties for assigned losses.

  • Makes independent decisions and self-supervises most files and recognizes when assistance is needed.

  • Proactively provides all parties with claim process and status as appropriate; answers questions or redirects to other areas.

  • Serves as a mentor and subject matter expert for less experienced adjusters.

  • May be required to complete other assignments, job duties, or participate in projects based upon skills, achievements, or experience.

Specialized Knowledge & Skills Requirements

  • Demonstrated experience providing customer-driven solutions, support or service.

  • Demonstrated experience handling 3rd party, multi-line claims.

  • Demonstrated experience handling simple to moderately complex.

  • Extensive knowledge and understanding of policies and endorsements.

  • Extensive knowledge of each phase of the claim handling process.

  • General liability claims experience required.

Licenses

  • State specific claims licensing as required.

Travel Requirements

  • Up to 10%.

Physical Requirements

  • Work that primarily involves sitting/standing.

Additional Information
  • Offer to selected candidate will be made contingent on the results of applicable background checks

  • Offer to selected candidate is contingent on signing a non-disclosure agreement for proprietary information, trade secrets, and inventions

  • Sponsorship will not be considered for this position unless specified in the posting

We provide benefits that support your physical, emotional, and financial wellbeing. You will have access to comprehensive medical, dental, vision and wellbeing benefits that enable you to take care of your health. We also offer a competitive 401(k) contribution, a pension plan, an annual incentive, 9 paid holidays and a paid time off program (23 days accrued annually for full-time employees). In addition, our student loan repayment program and paid-family leave are available to support our employees and their families. Interns and contingent workers are not eligible for American Family Insurance Group benefits.

We are an equal opportunity employer. It is our policy to comply with all applicable federal, state and local laws pertaining to non-discrimination, non-harassment and equal opportunity. We also consider qualified applicants with criminal histories, consistent with applicable federal, state and local law.

American Family Insurance is committed to the full inclusion of all qualified individuals. If a reasonable accommodation is needed to participate in the job application or interview process, to perform essential job functions, and/or to receive other benefits and privileges of employment, please email AskHR@AmFam.com to request a reasonable accommodation.

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