Senior Adjuster - General Cargo

Marketing Statement:

TM Claims Service (TMCS) is an independent global claims management firm established in 1987 to provide clients with a broad range of claims related services in the areas of transportation, product liability and overseas travel accident insurance. As part of the Tokio Marine Group of companies TM Claims Service provides claims handling services throughout the US and the Americas. Founded in 1879, Tokio Marine is recognized as Japan's oldest insurer and one of the largest insurance groups in the world. With 365 subsidiaries, the Tokio Marine Group has offices in 57 countries & regions and approximately 51,000 employees worldwide, as of March 2025.

($85,000 - $105,000 annually)

Job Description Summary

- The Senior Adjuster is responsible for the end-to-end administration of general cargo claims. This includes receiving, evaluating, negotiating, and settling claims submitted by Insureds, Brokers, and/or Claimants. The adjuster will ensure proper reserving practices, coordinate with internal and external stakeholders, assess subrogation potential, and assign recovery cases to subrogation vendors. This role also supports underwriting and AEOs by identifying and communicating loss trends and key claim insights.

Essential Job Functions

- Essential Job Functions:Receive, review, and evaluate general cargo claims submitted by Insureds, Brokers, or Claimants for approval and settlement within designated authority limits.
- Exercise discretion and sound judgment in all phases of claims handling, including coverage analysis and liability assessment.
- Initiate and maintain direct communication with Claimants, Brokers, and Surveyors.
- Coordinate and arrange third-party inspections and damage surveys.
- Assign claims to approved subrogation vendors for recovery efforts and monitor progress.
- Accurately reserve claims and ensure timely and complete data entry into internal systems (VITAL Cloud/TED).
- Coordinate with Underwriters, AEOs, and management on loss trends and claim insights.
- Ensure compliance with all internal controls and regulatory requirements.

Qualifications

- College degree preferred
- Minimum five years' experience in marine claims with emphasis in General Cargo
- Strong written and verbal communication skills
- Proven ability to work both independently and collaboratively
- Proficiency in Microsoft Word and Excel
- Strong analytical, negotiation, and organizational skills

EEO Statement:

Tokio Marine Group of Companies (including, but not limited to the Philadelphia Insurance Companies, Tokio Marine America, Inc., TMNA Services, LLC, TM Claims Service, Inc. and First Insurance Company of Hawaii, Ltd.) is an Equal Opportunity Employer.  In order to remain competitive we must attract, develop, motivate, and retain the most qualified employees regardless of age, color, race, religion, gender, disability, national or ethnic origin, family circumstances, life experiences, marital status, military status,  sexual orientation and/or any other status protected by law.