Job Description

Are you an experienced Bodily Injury Claims Adjuster looking for a new opportunity? If so, Salus Mutual is searching for a high-performing Liability Claims Specialist to join our expanding claims team who is looking to work and make an impact within the communities we serve! This role is ideal for a detail-oriented problem solver, who is looking for a diverse and dynamic workload consisting of bodily injury and subrogation claims

Why Join The Team?

At Salus Mutual we believe in empowering our employees to thrive in a supportive and professional environment. We are client focused and afford our staff the time and opportunity to fully attend, investigate and understand their claims. We are committed to providing the tools and opportunities you need to succeed in your career while making a difference for our clients.

As the Liability Claims Specialist you will play a pivotal role in the claims process, helping policyholders when they need it most. You will be responsible for investigating, assessing, and adjudicating third-party liability claims, and resolving first party liability claims. Your responsibilities will include:

• Adjudicating auto, residential and commercial bodily injury claims
• Reviewing and interpreting policy wordings to determine where coverage applies
• Investigating the cause of loss, reviewing contracts or agreements to determine liability
• Assess damages by reviewing medical, financial and legal records, re-evaluating the assessment at ongoing intervals as new information comes in
• Collaborating with legal counsel to bring files to resolution through mediation or pre-trial
• Assisting in the recovery of subrogation claims where our insured is not liable or coverage issues arise from the third party, including property and auto claims.
• Confirming coverage and loss details relating to the event
• Contacting the third-party insurance company or third party directly to discuss recovery options
• Leading the claim through small claims court process
• Attending settlement conferences if necessary
• Representing our insured in first party liability claims
• Reviewing and confirming coverage
• Determining liability
• Hiring the appropriate experts to review and determine damage claims
• Negotiating the resolution of the loss, attending legal proceedings as required
• Assist in the development of departmental best practices
• In collaboration with the Claims Manager, bringing expertise to build out a best practice framework to standardize the handling of claims associated with the role

What We’re Looking For

We’re seeking a self-starting and detail oriented Bodily Injury, or Liability Adjuster with a strong background in reviewing medical and financial records, the legal process surrounding liability claims and critical analysis on moderate to complex losses. The ideal candidate will have a combination of education and technical experience that will allow them to seamlessly apply their knowledge on open and active claims files.

· Experience & Expertise:

• Minimum 8 years of related experience in the adjudication of bodily injury, subrogation or first party liability claims
• Experience with adjudication of a wide range of bodily injury claims, with injuries ranging from minor MVA’s to permanent injuries/fatalities, or complex liability scenarios with several entities involved
• Detailed knowledge and understanding of how to quickly review a variety of policy wordings, legal contracts or agreements and applying the findings to the legal process
• Experience in taking part in the proceedings of both the Superior and Small Claims Courts, taking part in settlement conferences, mediations, pre-trials and trials
• Able to comfortably give direction or instructions to legal counsel on losses
• Mitigate legal expense by handling files throughout the legal process internally, when applicable
• A history of assisting with or improving existing process and practices
• Knowledge of reinsurance practices and industry best practices.
• Knowledge of the mutual insurance system and its philosophy is an asset.

· Education & Designations:

• Postsecondary education in business, finance, a related field, or equivalent work experience
• Chartered Insurance Professional (CIP) designation or substantial progress toward CIP courses is an asset.

· Technical & Leadership Skills:

• Proficiency in Microsoft Office.
• Proficiency in insurance software and business technology tools.
• Strong leadership, problem-solving, and decision-making abilities.
• Excellent communication and relationship-building skills
• An analytical mindset with the ability to drive change, optimize processes, and help drive the team toward achieving business objectives.

· Additional Requirements:

• Valid driver’s license and access to reliable transportation.
• Ability to travel as required.

Personal Attributes

• Results-oriented, with a forward-thinking mindset
• Resilient problem-solver, skilled at analyzing challenges and seeking solutions to overcome obstacles.
• Adaptable and change-driven, thriving in evolving environments
• People-focused, passionate about collaborating, mentoring, and contributing to a high-performance team culture.
• Collaborative and independent thinker, capable of working effectively across departments to come to the best possible outcome for the client and company.
• Professional attitude, demonstrating a strong work ethic, accountability, and a commitment to excellence.
• Integrity and compliance-focused, committed to ethical decision-making, regulatory adherence, and maintaining industry best practices.

Why Salus Mutual?

• A competitive total compensation package, including a base salary, comprehensive benefits, and a pension plan designed to support long-term financial well-being.
• A collaborative and people-first work environment that supports work-life balance and career development.
• Access to ongoing training and career advancement opportunities.
• An inclusive workplace that fosters innovation, teamwork, and continuous learning.
• A strong commitment to employee well-being, with a focus on health, wellness, and active involvement in the communities we serve.

Who We Are

Salus Mutual Insurance Company is a policyholder-owned organization founded on the principle of neighbour helping neighbour. As a locally based company, we are deeply committed to supporting and giving back to our communities. We take pride in delivering professional, friendly customer service through employees and agents who understand our policyholders’ needs and put them first.

Ready to take the next step in your career? Apply today by sending your resume and a brief cover letter to hr@salusmutual.ca. We look forward to hearing from you! We thank all applicants for their interest and wish to advise that only those candidates selected for an interview will be contacted. Appropriate accommodations will be provided upon request throughout the recruitment and employment process as required under the Accessibility for Ontarians with Disabilities Act (AODA).

For more information about Salus Mutual Insurance Company please visit our website or follow us on Facebook, Instagram, or LinkedIn.

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