Cyber Claims Service Representative

Cyber Claims Service Representative – Remote Opportunity Move beyond claim processing—step into complex coverage decision-making in cyber insurance. Looking to move beyond transactional claims handling? This is an opportunity to work at the forefront of cyber insurance , where no two claims are the same—and your analytical thinking truly matters. At HSB, you’ll handle high-complexity cyber claims across both personal and commercial lines , navigating multi-coverage scenarios, interpreting policy language, and making thoughtful, well-supported coverage decisions. Founded in 1866, The Hartford Steam Boiler Inspection and Insurance Company (HSB) has been a pioneer in industrial safety and loss prevention for over 150 years. Our organization is driven by a passion for technical excellence, innovation, and a commitment to making a lasting difference. What Makes This Role Different Not a processing role – You’ll analyze, interpret, and make decisions on complex claims High complexity exposure – Claims may involve multiple coverages, competing policy language, and multimillion-dollar exposure Variety and challenge – From data breaches to system damage to liability claims, you’ll never see the same claim twice True critical thinking – Fact patterns can lead to different outcomes depending on policy interpretation What You’ll Do Analyze complex cyber claims involving multiple coverage triggers (e.g., system damage, liability, data compromise, litigation) Interpret and apply policy language and contract language to determine accurate coverage decisions Investigate claims, assess facts, and evaluate causation and loss scenarios Draft detailed, well-supported coverage letters explaining decisions clearly and professionally Communicate with insureds and stakeholders in difficult, high-stakes situations with empathy and clarity Manage a portfolio of claims while balancing quality, accuracy, and timeliness Deliver a consistent, professional customer experience while upholding claims standards Qualifications: A High School diploma is required. College degree is preferred. 1+ year experience in customer facing, financial, or service oriented position. 2+ years experience in the Property/Casualty insurance industry and/or as a Claims Adjuster is a plus. Adjuster licenses as required by state. This is the position for you if you have: Analytical mindset – able to interpret nuanced policy language and apply it to unique fact patterns Critical thinking – comfortable making decisions where outcomes are not always clear-cut Strong writing skills – able to draft clear, structured, and professional coverage letters C ommunication & empathy – able to navigate sensitive conversations with insureds Intellectual curiosity – enjoys solving complex problems and learning continuously Join Us If you’re ready to take the next step in your claims career—where your thinking, analysis, and judgment have real impact—this is your opportunity. We are proud to offer our employees, their domestic partners, and their children, a wide range of insurance benefits: Two options for your health insurance plan (PPO or High Deductible). Prescription drug coverage (included in your health insurance plan). Vision and dental insurance plans. Additional insurance coverages provided at no cost to you, such as basic life insurance equal to 1x annual salary and AD&D coverage that is equal to 1x annual salary. Short and Long Term Disability coverage. Supplemental Life and AD&D plans that you can purchase for yourself and dependents (includes Spouse/domestic partner and children). Voluntary Benefit plans that supplement your health and life insurance plans (Accident, Critical Illness and Hospital Indemnity). In addition to the above insurance offerings, our employees also enjoy: A robust 401k plan with up to a 5% employer match A retirement savings plan that is 100% company funded. Paid time off that begins with 24 days each year, with more days added when you celebrate milestone service anniversaries. Eligibility to receive a yearly bonus as a Munich Re employee. A variety of health and wellness programs provided at no cost. Paid time off for eligible family care needs. Tuition assistance and educational achievement bonuses. A corporate matching gifts program that further enhances your charitable donation. Paid time off to volunteer in your community. The base salary range anticipated for this position is $65,000 - $80,000, plus opportunity for company bonus based upon a percentage of eligible pay. In addition, the company makes available a variety of benefits to employees, including health insurance coverage, an employee wellness program, life and disability insurance, 401k match, retirement savings plan, paid holidays and paid time off (PTO). The salary estimate is adjusted to reflect the varying market conditions across different locations. Factors that may be used to determine your actual salary include your specific skills, how many years of experience you have and comparison to other employees already in this role. Most candidates will start in the bottom half of the range. At The Hartford Steam Boiler, a subsidiary of Munich Re, we see Diversity and Inclusion as a solution to the challenges and opportunities all around us. Our goal is to foster an inclusive culture and build a workforce that reflects the customers we serve and the communities in which we live and work. We strive to provide a workplace where all of our colleagues feel respected, valued and empowered to achieve their very best every day. We recruit and develop talent with a focus on providing our customers the most innovative products and services. We are an equal opportunity employer. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability or protected veteran status. The work environment characteristics, and any physical and mental requirements described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. This job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee. Other duties, responsibilities and activities may change or be assigned at any time with or without notice.