Remote Commercial Claims Adjuster Jobs
Remote commercial claims adjuster jobs are open across the U.S. in property and casualty insurance, commercial lines, and specialty risk, at carriers, third-party administrators, and managing general agents building fully distributed teams. Employers hiring remotely right now include Gallagher, EMC Insurance, and PMA Companies. See the openings below and apply to the ones that match your experience.
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As a member of our claims team, utilize your knowledge of Workers Compensation to independently investigate, evaluate and resolve assigned claims of a more complex nature in order to achieve appropriate outcomes. In this position you will administer and resolve highest risk management expectations claims in a timely manner in accordance with legal statues, policy provisions, and company guidelines.
Responsibilities:
- Promptly investigate all assigned claims with minimal supervision, including those of a more complex nature
- Determine coverage, compensability, potential for subrogation recovery, and second injury fund (when applicable)
- Alert Supervisor and Special Investigations Unit to potentially suspect claims
- Ensure timely denial or payment of benefits in accordance with jurisdictional requirements
- Establish appropriate reserves with documented rationale, maintain and adjust reserves over the life of the claim to reflect changes in exposure
- Negotiate claims settlements with client approval
- Establish and implement appropriate action plans for case resolution including medical and disability management, litigation management, negotiation and disposition
- Work collaboratively with Lodestar nurse professionals to develop and execute return to work strategies
- Select and manage service vendors to achieve appropriate balance between allocated expense and loss outcome
- Maintain a working knowledge of jurisdictional requirements and applicable case law for each state serviced
- Demonstrate technical proficiency through timely, consistent execution of best claim practices
- Communicate effectively, verbally and in writing with internal and external parties on a wide variety of claims and account issues
- Provide a high degree of customer service to clients, including face to face interactions during claims reviews, stewardship meetings and similar account-specific sessions
- Authorize treatment based on the practiced protocols established by statute or the Lodestar Managed Care department
- Assist Lodestar clients by suggesting panel provider information in accordance with applicable state statutes.
- Demonstrate commitment to Company's Code of Business Conduct and Ethics, and apply knowledge of compliance policies and procedures, standards and laws applicable to job responsibilities in the performance of work.
#LI-Remote
Requirements:- MA License and experience handling claims in MA and NJ Required.
- Bachelor's degree, or four or more years of equivalent work experience required in an insurance related industry required
- At least 3-5 years' experience handling lost time workers compensation claims required; past experience with MA and NJ jurisdictions required
- Associate in Claims (AIC) Designation or similar professional designation desired.
- Active license required or ability to obtain license within 90 days of employment in mandated states.
- Familiarity with medical terminology and/or Workers' Compensation
- Strong organizational skills with demonstrated ability to work independently and deal effectively with multiple tasks simultaneously
- Proven critical thinking skills that demonstrate analysis/judgment and sound decision making with focus on attention to details
- Strong verbal, written communication skills and customer service skills
- Computer literacy, including working knowledge of MS Office Product Suite, i.e. Word, Excel, PowerPoint.
- Ability to travel for business purposes, approximately less than 10%.
As a member of our claims team, utilize your knowledge of Workers Compensation to independently investigate, evaluate and resolve assigned claims of a more complex nature in order to achieve appropriate outcomes. In this position you will administer and resolve highest risk management expectations claims in a timely manner in accordance with legal statues, policy provisions, and company guidelines.
Responsibilities:
- Promptly investigate all assigned claims with minimal supervision, including those of a more complex nature
- Determine coverage, compensability, potential for subrogation recovery, and second injury fund (when applicable)
- Alert Supervisor and Special Investigations Unit to potentially suspect claims
- Ensure timely denial or payment of benefits in accordance with jurisdictional requirements
- Establish appropriate reserves with documented rationale, maintain and adjust reserves over the life of the claim to reflect changes in exposure
- Negotiate claims settlements with client approval
- Establish and implement appropriate action plans for case resolution including medical and disability management, litigation management, negotiation and disposition
- Work collaboratively with Lodestar nurse professionals to develop and execute return to work strategies
- Select and manage service vendors to achieve appropriate balance between allocated expense and loss outcome
- Maintain a working knowledge of jurisdictional requirements and applicable case law for each state serviced
- Demonstrate technical proficiency through timely, consistent execution of best claim practices
- Communicate effectively, verbally and in writing with internal and external parties on a wide variety of claims and account issues
- Provide a high degree of customer service to clients, including face to face interactions during claims reviews, stewardship meetings and similar account-specific sessions
- Authorize treatment based on the practiced protocols established by statute or the Lodestar Managed Care department
- Assist Lodestar clients by suggesting panel provider information in accordance with applicable state statutes.
- Demonstrate commitment to Company's Code of Business Conduct and Ethics, and apply knowledge of compliance policies and procedures, standards and laws applicable to job responsibilities in the performance of work.
#LI-Remote
Requirements:- MA License and experience handling claims in MA and NJ Required.
- Bachelor's degree, or four or more years of equivalent work experience required in an insurance related industry required
- At least 3-5 years' experience handling lost time workers compensation claims required; past experience with MA and NJ jurisdictions required
- Associate in Claims (AIC) Designation or similar professional designation desired.
- Active license required or ability to obtain license within 90 days of employment in mandated states.
- Familiarity with medical terminology and/or Workers' Compensation
- Strong organizational skills with demonstrated ability to work independently and deal effectively with multiple tasks simultaneously
- Proven critical thinking skills that demonstrate analysis/judgment and sound decision making with focus on attention to details
- Strong verbal, written communication skills and customer service skills
- Computer literacy, including working knowledge of MS Office Product Suite, i.e. Word, Excel, PowerPoint.
- Ability to travel for business purposes, approximately less than 10%.
See All 69 Remote Commercial Claims Adjuster Jobs
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Find JobsRemote Commercial Claims Adjuster Job Market
Who's Hiring
- Gallagher26
- EMC Insurance4
- PMA Companies4
- Federated Insurance4
- Sedgwick3
Top Industries Hiring
- Insurance
What Employers Look For
The qualifications that appear most often in remote commercial claims adjuster jobs.
- Active adjuster license in one or more states required or expected at hire
- Experience handling commercial property, general liability, or auto claims
- Proficiency with claims management systems such as Guidewire or Xactimate
- Strong written communication for coverage letters, denials, and file documentation
- Bachelor's degree in business, finance, or a related field preferred by most employers
- Associate in Claims or comparable insurance designation is a common differentiator
Tips for Your Remote Commercial Claims Adjuster Job Search
Apply early to remote roles that fit
Migrate Mate lists remote commercial claims adjuster openings from across the U.S. in one place, so you can find roles that match your lines of authority and experience level and apply directly without sorting through unrelated postings.
Highlight async communication skills prominently
Remote claims teams depend on precise written updates, coverage position letters, and reserve justifications with no back-and-forth. Lead your resume and cover letter with examples of complex commercial files you documented and moved forward independently, entirely in writing.
Get licensed in multiple states before applying
Remote commercial claims roles frequently involve files from several states, so a multi-state adjuster license signals you're ready to work without geographic limits. Carriers and TPAs actively prefer candidates who can handle a distributed book without needing additional licensing support.
Demonstrate proficiency with remote claims tools
Name the claims management systems you know, such as Guidewire ClaimCenter, Applied Epic, or Xactimate, in your resume skills section. Remote employers screen for platform fluency early because there's no in-office training to fill gaps after you start.
Remote Commercial Claims Adjuster Jobs: Frequently Asked Questions
How do I get a remote commercial claims adjuster job?
Target carriers, third-party administrators, and managing general agents that run distributed claims teams, since those employers are already set up for remote adjusters. Remote hiring managers screen hard for self-direction, clear written communication, and the ability to manage a complex commercial file without in-person oversight. Strong documentation habits, familiarity with claims management systems like Guidewire or Xactimate, and a history of handling commercial lines independently give you a real edge.
Which companies hire remote commercial claims adjusters?
Remote commercial claims adjuster roles are posted by Gallagher, EMC Insurance, and PMA Companies and others right now, based on current remote listings on Migrate Mate as of November 2026. The employers most likely to hire remotely include national carriers, independent adjusting firms, and third-party administrators that have built distributed claims operations across multiple states.
Can you get a remote commercial claims adjuster job with no experience?
Yes, but remote entry-level roles are harder to land because employers expect you to manage files independently from day one with minimal in-person coaching. Your best path in is through third-party administrators and independent adjusting firms that hire trainees for remote desk roles. Showing completed claims coursework, relevant state adjuster licensing, and strong written communication skills can open doors when hands-on experience is limited.
Do you need a degree for remote commercial claims adjuster jobs?
Not always. Remote employers in commercial claims weigh your state adjuster license, hands-on file experience, and familiarity with commercial lines coverage far more heavily than a degree. Candidates who can demonstrate accurate reserves, solid coverage analysis, and efficient file documentation consistently compete well regardless of their educational background.
Which industries hire the most remote commercial claims adjusters?
The sectors hiring the most remote commercial claims adjusters are Insurance, based on current remote listings on Migrate Mate as of November 2026. Those industries rely heavily on distributed claims teams because their commercial risk portfolios are geographically spread and don't require adjusters to be physically co-located with policyholders or colleagues.
See All 69 Remote Commercial Claims Adjuster Jobs
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