Claims Adjuster Hybrid (Cobourg, Ontario)

Location: Cobourg, Ontario
Work Model: Hybrid 3 days in-office, 2 days remote (per company policy)
Employment Type: Full-Time
Experience Required: 810 years in multi-line claims adjusting

Protecting Futures with Integrity, Trust, and Heart

At HTM Insurance Company, we take our mission seriously: Protecting your future as if its our own. For over a century, weve delivered peace of mind to our policyholdersnot just through our products, but through our people.

As a Claims Adjuster, you wont just handle filesyoull play a critical role in guiding individuals and families through some of lifes most difficult moments. With integrity, empathy, and a commitment to doing whats right, youll help uphold the values that define HTM: Family. Trust. Integrity.

Your Role at a Glance

Youll be responsible for managing and adjusting Property, Liability, and Auto (Physical Damage only) claims from first notice of loss through to resolution. By providing clear communication, timely action, and a fair and thorough investigation, youll ensure a smooth and supportive claims experience for our policyholders.

Key Responsibilities

Claims Handling (85%)

• Customer Service & Communication:
  • Make timely contact with policyholders and claimants.
  • Explain policy coverage, claims procedures, and expectations clearly and compassionately.
  • Maintain transparent communication throughout the claim lifecycle.
• Coverage Assessment:
  • Review and apply policy terms to determine coverage.
  • Issue and document coverage concerns through Non-Waiver or Reservation of Rights letters.
  • Obtain legal opinions when necessary.
• Investigation & Evaluation:
  • Conduct thorough investigations, determine cause and extent of loss.
  • Retain experts when needed to assist in cause and responsibility determination.
  • Verify claim scope and value and identify all involved parties.
• Adjustment & Settlement:
  • Assess damages and negotiate settlements based on policy terms and current laws.
  • Execute payments in exchange for necessary documentation (Proof of Loss, Release, etc.).
  • Identify subrogation opportunities and manage liability exposure.
• Litigation Management (when required):
  • Assign and manage defense counsel.
  • Participate in legal proceedings including settlement strategy, mediations, and trials.
• File Management & Documentation:
  • Maintain detailed file notes and documentation.
  • Regularly review and adjust reserves.
  • Ensure timely progression and closure of all claim files.

Departmental & Development Responsibilities (15%)

• Support and participate in department meetings and company strategic initiatives
• Stay current with relevant legislation, industry best practices, and form changes
• Foster strong relationships with brokers, contractors, and industry partners
• Represent HTM at industry events and maintain active organizational memberships
• Support colleagues and contribute to a collaborative, team-based environment

What You Bring

• Post-secondary education in Business or Law
• CIP designation (FCIP an asset)
• 810 years of experience in multi-line claims adjusting
• Prior experience with a mutual insurance company is highly valued
• Strong understanding of P&C insurance, policy forms, coverage application, and insurance law
• Exceptional written and verbal communication skills
• Superior organization, time management, and negotiation abilities
• A high level of integrity, attention to detail, and customer focus
• Valid drivers license and access to a vehicle

What We Offer

• Hybrid work environment balance collaboration with flexibility
• A workplace rooted in mutual respect, family values, and community commitment
• Professional development and training support
• Opportunities to give back and participate in meaningful local initiatives
• A team culture that values your voice, your values, and your wellbeing

Apply Today

At HTM, we dont just write policieswe live by our values. If you're a skilled adjuster who thrives in a collaborative environment and believes in doing whats right, wed love to meet you.

Join us, and be part of something that truly feels like family.