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Position:  Senior Liability Claims Adjuster
Location:  St. Petersburg, FL
Job Id:  LIA123
# of Openings:   1

American Strategic Insurance (ASI)
Job Title: Liability Senior Claims Adjuster
Department: Claims
FLSA Status: Exempt

American Strategic Insurance is a leading writer of Property and Casualty products domiciled in Florida. We are currently looking for a Senior Liability Claims Adjuster in St. Petersburg, Florida. ASI offers Personal Lines Property products in over 20 US states and is currently in the process of expanding into more states over the next two years.

Job Purpose:

Assures claims are fairly and accurately investigated and evaluated in accordance with established standards of quality and timeliness. Responsible for the coverage and damages analysis of complex third-party bodily injury and property damage claims, which includes the ability to negotiate and complete settlements fairly and equitably with all parties. Liability Sr. Claim Adjuster in the evaluation and assessment of claims from initial report to final disposition. 

Essential Functions:

  • Examines claim forms and other records to determine insurance coverage
  • Responsible for all phases of bodily injury claims adjusting
  • Interviews, telephones, or corresponds with claimant and witnesses; consults police and hospital records; and inspects property damage to determine extent of company's liability, varying method of investigation according to type of insurance
  • Prepares report of findings and negotiates settlement with claimant
  • Recommends litigation by legal department and attends litigation hearings
  • Revises case reserves in assigned claims files to cover probable costs
  • Assists in preparing loss experience report to help determine profitability and calculate adequate future rates
  • Have a clear understanding of coverage issues including policy provisions related to exclusions and endorsements which affect coverage
  • Initiate Reservations of Rights and Coverage Disclaimer Letters with Management approval as required based on investigation
  • Retain and provide direction to outside vendors and experts to resolve coverage/liability questions. Provide clear concise directions with a timeline for completion of their report
  • Research case law and other legal issues to properly value a claim and analyze available defenses
  • Understand and apply applicable state law on negligence and liability
  • First-party Property Experience; preferred


  • Bachelor's degree or higher college education
  • Minimum 5 years’ general liability claims experience required; previous property and casualty insurance experience preferred
  • Clear understanding of coverage issues including policy provisions related to exclusions and endorsements
  • Flexibility of a work schedule with the ability to work 12-hour days; as required
  • Continued pursuit of general insurance-related courses/designations; preferred
  • Demonstrated strong interpersonal skills in progressively more complex/technical claims positions
  • Experienced in use of computer-based estimating and ability to interpret estimates using unit pricing
  • Working knowledge of home structures

The ASI Culture and Benefits

The ASI Culture is like no other. While ASI stands for "American Strategic Insurance," we also believe it stands for "Attitude, Speed and Innovation." It is through these principles we plan our day and measure our success. This can be seen through the way our team members interact with each other, the fan letters from our agents and customers, to our success during a time where other companies have struggled.

ASI offers outstanding benefits, such as 100% employer-paid PPO health insurance for employees, 6% matching on our 401k retirement plan, PTO leave, employer-paid life insurance, and much more!

We are a drug-free workplace. Prior to accepting a position offered at ASI, candidates must consent to pre-employment drug testing. Any offer of employment extended is contingent upon the results of the drug test.

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