At Horace Mann, we understand that behind every claim is a person looking for guidance and support during a difficult time. We are seeking an experienced Bodily Injury Adjuster III to join our Claims team and manage complex, high-exposure bodily injury claims with professionalism, sound judgment, and technical expertise.

This role is designed for an experienced claims professional who thrives in handling complex investigations, litigation, and negotiations while delivering an exceptional customer experience. You'll serve as a trusted resource to teammates and business partners while helping ensure fair claim resolutions that align with company standards and regulatory requirements.

Key Responsibilities

Complex Claims Investigation & Resolution

• Investigate and manage complex bodily injury claims, including litigation, uninsured/underinsured motorist claims, and other high-exposure losses.
• Verify coverage, determine liability, evaluate damages, and conduct thorough investigations to support claim decisions.
• Analyze medical documentation, applicable laws, and case precedent to complete comprehensive bodily injury evaluations.
• Demonstrate sound judgment in evaluating liability, damages, and settlement opportunities.

Litigation & Negotiation

• Manage injury litigation from assignment through resolution.
• Prepare mediation and arbitration submissions and represent the company through the dispute resolution process.
• Partner with defense counsel and other legal professionals to develop claim strategies and achieve appropriate outcomes.
• Negotiate settlements while adhering to company best claim practices and regulatory requirements.

Customer Experience & Communication

• Deliver an exceptional customer experience by maintaining proactive, transparent communication throughout the life of the claim.
• Keep insureds, claimants, attorneys, and other involved parties informed regarding claim status and resolution.
• Handle sensitive and high-stress customer interactions with professionalism and empathy.

Technical Leadership

• Serve as a technical resource and subject matter expert for complex bodily injury claims.
• Mentor and provide guidance to less experienced claim professionals.
• Share knowledge and best practices to support team development and continuous improvement.

Compliance & Operational Excellence

• Maintain compliance with all state regulations, company policies, and claims handling standards.
• Obtain and maintain all required state adjuster licenses.
• Effectively utilize claims management systems and other technology tools to manage assigned inventory.
• Maintain ownership of assigned claims while meeting quality, productivity, and service expectations. 

Qualifications & Experience

Required

• Minimum 7 years of bodily injury claims experience preferred.
• Demonstrated experience handling complex bodily injury and litigation claims.
• Strong knowledge of insurance coverage, liability, medical terminology, and bodily injury evaluation.
• Experience handling Uninsured Motorist (UM) and Underinsured Motorist (UIM) claims.
• Proven ability to prepare and manage mediation and arbitration submissions.
• Strong business acumen, analytical skills, and sound decision-making abilities.
• Ability to work independently with minimal supervision.
• Obtain and maintain all required state adjuster licenses.

Skills & Competencies

• Excellent investigation and negotiation skills
• Strong verbal and written communication abilities
• Superior organizational and time management skills
• Exceptional customer service and relationship management
• Ability to explain complex claim decisions clearly and professionally
• Strong analytical thinking and problem-solving skills
• Demonstrated leadership through mentoring and technical expertise

Additional Information

• Normal office environment.
• Periodic travel may be required

Salary Range:

• $66,500.00 - $92,000.00 annually + bonus 

Salary is commensurate to experience, location, etc.