Job Description

COMPANY OVERVIEW:

Proper Insurance is a specialty property & casualty program manager (MGA) focused on short-term rental risks (e.g., Airbnb, VRBO). We’re known for white-glove claims service and pragmatic underwriting. If you like high standards, direct communication, and solving real customer problems, you’ll fit right in.

POSITION SUMMARY:

We’re hiring an experienced Liability Desk Adjuster to handle third-party claims end-to-end—coverage, liability evaluation, damages assessment, negotiation, and resolution. You will move files with urgency, make sound, defensible decisions, and own the customer experience without hand-holding.

RESPONSIBILITIES:

• Manage a caseload of liability claims from FNOL to closure with accuracy, urgency, and empathy.
• Analyze coverage against policy forms/endorsements; draft clear, defensible coverage positions and reservation/denial letters.
• Plan and execute investigations: recorded statements, scene/doc reviews, witness interviews, social/open-source checks as appropriate.
• Assess liability and comparative fault; apply jurisdictional standards and good-faith requirements.
• Evaluate bodily injury and property damage exposures (specials/general damages, future meds, wage loss); validate causation.
• Negotiate fair, timely settlements consistent with facts, policy, and venue; document rationale.
• Set and adjust reserves based on exposure; surface outliers early with tight file discipline.
• Coordinate vendors and experts (field, medical, biomech, surveillance) with precise instructions and accountability.
• Manage litigated matters with panel counsel—strategy, discovery, budgets, reporting, and resolution planning.
• Communicate proactively with insureds, claimants/attorneys, brokers, and internal stakeholders—no black holes.
• Maintain meticulous notes, diary control, SLA compliance, and regulatory adherence.

QUALIFICATIONS:

• Liability adjusting experience required handling GL/BI/PD claims.
• Proven end-to-end file ownership: investigation, coverage analysis, valuation, negotiation, and closure.
• Strong writing and negotiation skills; comfortable delivering hard news respectfully.
• Working knowledge of claim regulations, time limits, and Unfair Claims Practices.
• Technically diligent: disciplined diary, clean documentation, accurate data.
• Active adjusting license(s) as required; ability to obtain additional licenses if needed.

COMPENSATION & BENEFITS:

Annual Salary: $70,000 - $120,000

Benefits:

• Paid time off such as PTO, sick days, and vacation days
• Health insurance
• Life insurance
• Dental insurance
• Vision insurance
• Retirement benefits or accounts
• Healthcare spending or reimbursement accounts, such as HSAs, FSAs, and HRAs
• Short term disability insurance
• Workplace perks such as recreation activities, food and coffee, and flexible work schedules

Schedule: Full-Time. Generally, during business hours

Location: In-Office, Bozeman MT

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