TRAVEL INSURANCE CLAIMS ADJUSTER 1099, INDEPENDENT CONTRACTOR

TRAVEL INSURANCE CLAIMS ADJUSTER 1099, INDEPENDENT CONTRACTOR

We are seeking a dedicated Travel Insurance Claims Adjuster to process claims, which include adjudication of Trip Cancellation claims, Travel Medical, and Post Departure benefits. We prefer candidates with at least 1 year of experience in insurance claims and who are comfortable communicating with various agencies, including travel suppliers, travel agencies, medical professionals, and other insurance carriers.

Responsibilities:

· Analytical & Investigative: Ability to gather and analyze evidence, such as police reports, medical records, and witness statements, to determine liability and coverage.

· Ensure compliance guidelines are met.

· Research and verify insurance policy coverage.

· Fraud Detection: Identifying and investigating suspicious or fraudulent claims.

· Document all findings in a clear claims report and present claims to insurance companies (trip cancellations, flight delays, and lost luggage).

· Ability to communicate claim decisions with insureds, including both issued payments and claim denials, and provide explanations related to policy coverage by citing plan language.

· Ability to draft decision letters, ensuring accurate citation of policy language and error-free grammar.

· Willing to learn and grow with our team.

· Work independently and collaboratively in a virtual team setting.

· Follow standard operating procedures and service level agreements with our clients.

· Work under general supervision, reporting to a Team Lead and Manager.

· Communicate through verbal and written means with policyholders, travel agents, and suppliers.

· Respond to calls from contacts such as policyholders, travel agents, and suppliers.

· Take ownership of claim decisions.

· Be reliable with attendance, punctuality, and excellent time management skills.

Qualifications:

· Education: A high school diploma is the minimum requirement, or an associate or bachelor’s degree in business, finance, or a related field.

· State Licensing: P&C Claims Adjuster License. For those handling claims across the U.S., having reciprocal licenses in multiple jurisdictions is often required.

· Certifications: Professional designations like Associate in Claims (AIC) or Chartered Property Casualty Underwriter (CPCU) are frequently listed as preferred qualifications.

· Travel insurance experience is preferred but not required.

· Ability to navigate computer operating systems, Google Chrome, and related applications.

· Experience working in a production environment with the ability to focus, work independently, and meet quotas.

· Ability to work independently and as part of a team in a virtual environment.

· Proven proficiency in Microsoft Office (Word, PowerPoint, Excel, Outlook, Teams).

· Excellent oral and written communication skills.

· Strong mathematical and problem-solving abilities.

· Ability to pass a background check.

· Availability to work on weekends.

Special Requirements: Must possess an up-to-date laptop, headset, and additional monitor. Cell phone and text messaging, internet, and email.