Bodily Injury Adjuster - Florida

Location Details:

Hybrid – Tampa, Florida

Position Schedule / Shift:

Monday-Friday 8am-5pm ET

Position Summary:

As a Pre-Litigation Bodily Injury Adjuster, you will be at the forefront of resolving complex injury claims and delivering meaningful outcomes for customers during some of life's most challenging moments. In this highly impactful role, you will investigate, evaluate, negotiate, and resolve bodily injury claims before litigation, leveraging your expertise. This position offers an exciting opportunity to make informed decisions, manage a dynamic caseload, and play a key role in achieving exceptional claim results through proactive engagement and strategic claim handling.

Key Responsibilities:

In this position, you will have the opportunity to:

• Reviewing assigned claims

• Contacting the insured and other affected parties,

• Setting expectations for the remainder of the claim process, and thoroughly documenting activities in the claim file.

• Complete complex coverage analysis,

• Ensure all possible policyholder benefits are identified,

• Complete an investigation of the facts regarding the claim,

• Determine if the claim should be paid and confirm recovery potential.

• Conducting thorough reviews of damages and determining the applicability of state law and other factors related to the claim.

• Identify when to refer claims to other company units (e.g., Underwriting, Subrogation or Special Investigation Unit).

• Possess strong critical thinking and negotiating skills.

• Handle both attorney represented and unrepresented claimants with injury claims that may    involve coverage investigation, liability disputes, bodily injuries, and litigation.

• Assist Claim Manager with file reviews and training.

Qualifications:

Required

Education (including minimum education and any licensing/certifications):

• In states where an Adjuster’s license is required, the candidate must have a Florida State Adjuster License.

• Degree in Business Administration, Insurance or a related field or the equivalent in related work experience

• A valid driver's license is required if the primary responsibilities of the role involve conducting in-person inspections or frequent in-person meetings with members.

Experience:

• Three years of experience or equivalent training in the following:

• negotiation of claim settlements

• securing and evaluating evidence

• preparing manual and electronic estimates

• subrogation claims

• resolving coverage questions

• taking statements

• establishing clear evaluation and resolution plans for claims

Knowledge and Skills:

Advance knowledge of:

• Fair Trade Practices Act as it relates to claims

• Subrogation procedures and processes

• Intercompany arbitration

• Handling simple litigation

Advance knowledge of:

• Negligence Law

• No-Fault Law

• medical terminology and human anatomy

Skills:

• handle claims to the line Claim Handling Standards

• follow and apply ACG Claim policies, procedures and guidelines

• work within assigned ACG Claim systems including basic PC software

• perform basic claim file review and investigations

• demonstrate effective communication skills (verbal and written)

• demonstrate customer service skills by building and maintaining relationships with insured/claimants while exhibiting understanding of their problems and responding to questions and concerns

• analyze and solve problems while demonstrating sound decision-making skills

• prioritize claim related functions

• process time sensitive data and information from multiple sources

• manage time, organize and plan workload and responsibilities

• research analyze and interpret subrogation laws in various states

• travel outside of assigned territory which may involve overnight stay

• relocate, work evenings or weekends

• Must reside within 50 miles from Tampa, Florida

Preferred

Education:

• Associate degree in Business Administration, Insurance or a related field or the equivalent in related work experience

• Complete ACG Claim Representative Training Program or demonstrate equivalent knowledge or experience

• Completion of the Insurance Institute of America's: General Insurance Program, Associate in Claims, Associate in Management or equivalent

• CPCU coursework or designation

Work Environment:

This is a hybrid work arrangement (time spent in office and remote). Depending on the employee's role and leadership's assessment, some employees will come into an ACG facility on a weekly basis, a monthly basis, or on an "as needed" basis for key meetings and collaborative activities. Most employees will be required to come into the office, at a minimum, for important departmental meetings or team-building events.

Compensation & Benefits Overview:

ACG complies with all applicable state and local laws regarding required benefits (including PTO, paid sick leave, etc.).

Compensation

A Bodily Claim Specialist earns a competitive annual salary of $70,000-$85,000, along with the opportunity for an annual company bonus incentive.

Benefits

At ACG, we offer a comprehensive and flexible benefits package designed to support your health, financial well-being, and professional growth.

Health & Wellness

• Medical plans with multiple coverage options, including HSA eligibility.

• Prescription drug coverage.

• Dental and vision benefits.

• Employee Assistance Program (confidential support services).

Financial Protection & Insurance

• Company-paid basic life insurance.

• Optional supplemental life insurance and dependent coverage.

• Short-term and long-term disability coverage.

• Critical illness, accident, and pet insurance options.

Retirement & Savings

• 401(k) plan to support long-term financial goals.

  • 3% automatic deferral upon eligibility; may contribute 1% to 50% of eligible earnings, either pre or post tax.

  • Company match of 50% paid on employee contributions up to 6% of pay, payable to employees following the end of the year; immediate vesting.

  • Additional company contribution of 4% of pay each pay day into your account; 100% vested after three (3) years of service.

• Health Savings Account (HSA) and Flexible Spending Accounts (FSA) options.

Time Off & Leave

• Paid Time Off (PTO): Accrual-based, increases with tenure, eligible at 90 days of employment.

• Full-time new employees will receive up to 12 PTO days annually; accrual based on start date and may include additional PTO based on role and/or state & local requirements.

• Part-time employee PTO hours are calculated based upon the standard weekly hours the employee is scheduled to work and will accrue at a minimum of 3 hours per month.

• Paid holidays:

  • Full-time employees are eligible for 10 company-paid holidays annually, in addition to 1 mental health day, 2 floating holidays, and 1 volunteer day. Holidays will vary by business schedules

  • Part-time employees are eligible for 8 company-paid holidays annually, in addition to 1 mental health day and 2 floating holidays. Holidays will vary by business unit schedules.

• Paid leave programs, including parental, bereavement, jury duty, and military leave.

Career Growth & Education

• Tuition assistance (up to $5,250 annually; 80% covered by ACG).

• Professional certification support with 100% reimbursement for eligible programs.

• Opportunities for career development and advancement.

Additional Perks

• Complimentary AAA membership with roadside assistance and travel discounts.

• Adoption assistance program.

Job Posting Period:

This position is expected to remain posted through August 20, 2026; however, it may close at any time once a qualified candidate pool is identified.

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