Adjuster Level 1, Auto Physical Damage Claims

At Heartland Mutual Insurance, we’re more than just a company — we’re a community.

Proudly rooted in Ontario and Nova Scotia, we’re driven by a bold vision: to be the Best Mutual. Our team of passionate professionals doesn’t just follow the norm — we challenge it. We think differently, aim high, and deliver on our promise with a personal touch.

Here, you’ll be part of a culture that values authenticity, embraces change, and empowers you to make a meaningful impact every day. Together, we bring our purpose to life by living our values and putting people first.

The Adjuster Level I, Claims, is an entry-level adjusting role supporting both Auto Physical Damage and Accident Benefits claims. The role is designed to build technical expertise while providing critical operational support across the Claims Department. The Adjuster Level I will manage low-complexity claims independently and assist on more complex claims under supervision. This includes handling minor auto losses, MIG-level AB claims, and departmental administrative functions as directed by the Senior Claims Assistant. The position also includes a small portion of stretch files (5-10%) to help the adjuster grow into more advanced roles.

1. Job Specific Accountabilities - Key Responsibility Areas (KRA’s)

What you will do...

Claims Handling – Auto Physical Damage:

• Independently manage low-complexity physical damage claims including vandalism, hail, driveable, and non-driveable auto losses.
• Review damage photos, appraisals, and repair documentation; determine liability and coverage based on provided information.
• Coordinate with appraisers, vendors, and customers to ensure timely claim resolution.

Claims Handling – Accident Benefits (AB):

• Handle Minor Injury Guideline (MIG) claims under the AB framework.
• Conduct call-outs for more complex AB files to collect statements, confirm injury details, and assess treatment needs.
• Maintain compliance with regulatory timelines and documentation requirements for AB claims.

Administrative & Departmental Support:

• Provide administrative assistance as required, including document transposition, system updates, vendor follow-ups, and file organization.
• Support the Senior Claims Assistant in executing tasks that improve department workflow and efficiency.

Customer and Broker Communication:

• Respond professionally to inquiries from claimants, brokers, Agents, and Direct Sales Center staff.
• Provide timely updates and explain coverage, claims processes, and next steps in clear and empathetic terms.

Training and Development:

• Participate in ongoing technical training to build foundational skills in both auto and AB claims.
• Work with Senior Adjusters and Team Leads to gain exposure to more complex claim types.
• Actively handle 5-10% of assigned files as stretch claims to support career development.

CAT Readiness and Regulatory Compliance:

• Assist during surge periods or catastrophes with triage tasks and low-complexity claim intake.
• Ensure adherence to internal handling guidelines, industry regulations, and privacy standards.

What you will bring...

Education & Experience:

• 1-2 years of insurance experience preferred; co-op or internship experience will be considered.
• Post-secondary education in Insurance, Business, or a related field; CIP coursework in progress is an asset.

Technical Skills & Knowledge:

• Basic understanding of auto damage, injury claim fundamentals, and policy interpretation.
• Proficiency in Microsoft Office and claims management systems.

Competencies:

• Strong attention to detail and a willingness to learn.
• Excellent time management, prioritization, and communication skills.
• Adaptability and collaboration in a fast-paced team environment.
• Customer-service orientation with a professional and empathetic demeanor.

The salary range for this role is $50,000 - $66,000. The salary for the successful candidate will be determined by various factors including but not limited to an individual’s relevant experience, knowledge, skills, along with internal equity, and market considerations.

What’s in it for You:

• A Supportive Team: We’re not just a workplace, we’re a community. We are small but mighty, we believe in the power of connection, purpose, and belonging.
• Comprehensive Total Rewards: Enjoy a competitive compensation package made up of base salary and bonus, health and wellness benefits, pension plan, paid time off, and so much more.
• Inclusive Culture: Work in an environment that embraces diversity, equity, inclusion and belonging.
• Career Growth & Development: Take advantage of continuous learning opportunities and stretch assignments.
• Make an Impact: Play a key role in helping customers navigate challenging situations with empathy and expertise.

This job posting is for an existing vacancy within Heartland.

Accommodation is available on request for candidates taking part in all aspects of the selection process.

We do not use artificial intelligence or automated decision-making tools in any part of our hiring process. All applications are reviewed by our Talent Acquisition team to ensure fairness and transparency.

At Heartland Mutual Insurance, you’re empowered to thrive. Whether it’s your career, your well-being, or your future, we've got you covered.