Senior General Liability Claims Adjuster II

Hippo was built on a promise: make homeownership effortless. Nearly a decade later, that mission still drives us. We use technology and data to help our customers stay ahead of problems and protect what matters most.

Today, that same tech-native approach powers our work beyond homeowners. Hippo operates as a diversified carrier platform, partnering with MGAs to deliver tailored program solutions that help them grow and deliver better customer experiences. Behind that work is a team that values ownership, curiosity, collaboration, and continuous improvement.

If you're energized by building what's next, we'd love to meet you.

About The Job:

We are seeking an Experienced General Liability Claims Adjuster who is licensed in multiple states to manage a diverse caseload of bodily injury and property damage claims. The ideal candidate has a strong background in liability investigation, coverage analysis, negotiation, and litigation management, and is comfortable handling claims across varying state statutes and regulatory requirements. Above all, we're looking for someone who is committed to delivering excellent service and building trust with every claimant and policyholder they work with.

What You'll Do:

Investigate, evaluate, and resolve general liability claims (premises liability, products liability, personal injury, property damage, and related exposures) across multiple jurisdictions

Conduct thorough coverage analysis and apply relevant policy terms, conditions, and exclusions

Interview claimants, witnesses, and insureds; secure statements and gather supporting documentation

Partner with legal counsel, defense attorneys, and outside experts on litigated claims

Set and maintain appropriate case reserves in accordance with company guidelines and state regulations

Negotiate settlements directly with claimants, attorneys, and third-party representatives

Ensure compliance with state-specific unfair claims practices acts and licensing/regulatory requirements in all jurisdictions handled

Manage claim files from first notice of loss through resolution, including subrogation and recovery opportunities

Maintain accurate, timely documentation in the claims management system

Stay current on evolving state regulations, case law, and industry trends affecting liability claims handling

Deliver exceptional customer service to claimants, insureds, and business partners throughout the life of each claim — communicating with empathy, professionalism, and transparency at every touchpoint

Respond promptly to inquiries and proactively provide status updates to keep all parties informed and confident in the claims process

Must Haves:

Minimum 7+ years of general liability/commercial lines claims adjusting experience

Active adjuster licenses in multiple states (or ability to obtain reciprocal/designated home state licenses quickly); multi-state licensing strongly preferred or required depending on assigned territory

Strong understanding of liability law, tort principles, and policy coverage interpretation across jurisdictions

Proven track record of managing complex and/or litigated claims to resolution

Excellent negotiation, communication, and analytical skills

Demonstrated commitment to providing excellent service, with the ability to balance strong claims outcomes with a positive, empathetic experience for claimants and policyholders

Proficiency with claims management software and Microsoft Office Suite

Bachelor's degree preferred; equivalent industry experience considered in lieu of degree

Designations such as AIC, CPCU, or SCLA are preferred

Experience handling claims involving construction, retail, hospitality, or products liability exposures is preferred

Experience working with third-party administrators (TPAs) or self-insured programs is preferred

Bilingual candidates are a plus

Benefits and Perks

Hippo treats its team members with the same level of dedication and care as we do our customers, which is why we’re fortunate to provide all of our Hippos with:

Healthy Hippos Benefits - Multiple medical plans to choose from and 100% employer covered dental & vision plans for our team members and their families. We also offer a 401(k)-retirement plan, short & long-term disability, employer-paid life insurance, Flexible Spending Accounts (FSA) for health and dependent care, and an Employee Assistance Program (EAP)

Equity - This position is eligible for equity compensation

Training and Career Growth - Training and internal career growth opportunities

Flexible Time Off - You know when and how you should recharge

Little Hippos Program - We offer 12 weeks of parental leave for primary and secondary caregivers

Hippo Habitat - Snacks and drinks available for onsite employees

Hippo is an equal opportunity employer, and we are committed to building a team culture that celebrates diversity and inclusion.

Hippo’s applicants are considered solely based on their qualifications, without regard to an applicant’s disability or need for accommodation. Any Hippo applicant who requires reasonable accommodations during the application process should contact the Hippo’s People Team to make the need for an accommodation known.

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