Job Title: Multi-line Claims Adjuster - Water Districts Program
Location: Remote / Hybrid (dependent upon on proximity of office location)
Reports To: Charlie Stevens
Employment Type: Full-Time
Job Requisition ID: 2026-204
Requisition Begin Date: 03/10/2026
Requisition End Date 05/10/2026 (Posting may close earlier if filled or business needs change.)
Tokio Marine HCC - Public Risk Group, a member of the Tokio Marine group of companies, is a market leader in providing specialized insurance products for municipal entities. We cover counties, cities, townships, villages, police departments, prisons, fire departments and more. We serve the growing insurance and risk management needs of medium and large governmental entities and provide property and casualty insurance coverages in multiple states.
Do you have what it takes to match wits with attorneys? Can you analyze medical records, contracts, and repair estimates with confidence? Are you a skilled negotiator who thrives on complexity and challenge? If so, this opportunity may be perfect for you.
We are looking for an experienced Multi-Line Claims Adjuster to join our Water Districts Program team. This role involves handling complex, high-value liability, property, and automobile claims nationwide—engaging with attorneys, attending settlement conferences, and managing litigation from start to finish.
Manage claims from initial report through resolution following the Company’s Claims Handling Procedures.
Investigate incidents, assess liability, and determine exposure.
Analyze injury, damages, and coverage while preparing clear, detailed reports.
Oversee litigation in collaboration with outside counsel, ensuring compliance with company guidelines, approving litigation plans and budgets, and participating in mediations and trials as needed.
Evaluate settlement values and negotiate resolutions within delegated authority.
Maintain accurate claim files and documentation, ensuring timely communication with members, attorneys, reinsurers, and internal teams.
Collaborate with underwriting, risk control, and other departments to improve strategies and support continuous improvement.
Bachelor’s degree or equivalent work experience.
Minimum five (5) years of progressive experience handling complex multi-line claims (liability, property, and auto) with litigation oversight.
Understanding of commercial liability and property coverages related to municipal or public entity risks.
Active Adjuster’s License (or commitment to obtain within six months).
Professional designation such as CPCU, AIC, or ARM strongly preferred.
Valid driver’s license and ability to travel as needed.
Exceptional analytical skills, communication abilities, and sound judgment.
Competitive salary and comprehensive benefit package
Strong learning culture with ongoing development opportunities
Opportunities for growth and career advancement
Comprehensive medical, vision, and dental coverage, with eligibility beginning on your first day of employment
Basic life and disability insurance
401(k) plan with 6% company match
20 days of PTO and two floating holidays (prorated)
Approximately 11 paid holidays and volunteer time off
Paid parental leave
Access to our award-winning wellness program, including mental health services, fitness network membership, and a complimentary Headspace subscription
Student loan matching program
Employee discount program
An opportunity to do meaningful work and love what you do
You do not need to disclose your criminal history or participate in a background check until a conditional job offer is made to you. After making a conditional offer and running a background check, if the Company is concerned about a conviction that is directly related to the job, you will be given the chance to explain the circumstances surrounding the conviction or challenge the accuracy of the background report. The Company will consider for employment all qualified applicants, including those with criminal histories, in a manner consistent with the requirements of applicable federal, state and local laws, such as the Violent Crime Control and Law Enforcement Act of 1994 (18 USC § 1033(e))(the “VCCLEA”), which restricts financial institutions and insurers such as TMHCC from employing individuals with certain types of criminal convictions. Where the hiring and employment of individuals is not restricted by the foregoing, the Company will consider qualified applicants with arrest or conviction history in compliance with applicable law such as the California Fair Chance Act, the Los Angeles Fair Chance Initiative for Hiring Ordinance, the Los Angeles County Fair Chance Ordinance, the San Diego Fair Chance Ordinance, and the San Francisco Fair Chance Ordinance.]
About Us
Tokio Marine HCC is a global industry-leading specialty insurance group, backed by the strength and stability of the Tokio Marine Group. Offering over 100 classes of specialty insurance, we empower clients to pursue opportunities confidently through our “Mind Over Risk” philosophy. More than an insurance company, we are an organization built on innovation, unity, and trust.
At our core, we are Always Advancing, driven by innovation and an entrepreneurial spirit that keeps us moving forward. Our people are Experts in Tomorrow, using curiosity and smart working to anticipate what’s next. With a culture rooted in Reaching Out, we foster genuine collaboration and support, ensuring every individual has the opportunity to succeed and make a difference.
Applying our Mind Over Risk philosophy to writing insurance allows our customers to take on opportunity with confidence. That philosophy defines our way of thinking, unites us as a team, and differentiates us from our competitors. We are much more than just an insurance company; we are a good company.
Equal Opportunity Employer
TMHCC is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to age, ancestry, citizenship, color, family or medical care leave, gender identity, genetic information, marital status, medical condition, national origin, physical or mental disability, protected veteran or military status, race, ethnicity, religion, sex (including pregnancy), sexual orientation, or any other characteristic protected by applicable local laws, regulations and ordinances.
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Tokio Marine HCC – A&H Group
Tokio Marine HCC – A&H Group
Tokio Marine HCC – A&H Group