Claims Adjuster III

Job Overview

FCCS is seeking a highly motivated, forward-thinking professional to join its Claims team as a Claims Adjuster III, with a particular focus on management liability lines. This senior-level role will handle complex Employment Practices Liability (EPL), Directors & Officers (D&O), Professional Liability, and Bond claims, while also supporting broader property and casualty lines within established authority limits.

The Claims Adjuster III works closely with a broad range of internal and external stakeholders—including customers, claimants, attorneys, third-party administrators, vendors, insurers, and leadership across the organization—to ensure timely, accurate, and equitable claim resolution. Claims exceeding individual authority will be managed under the direction of the Claims Manager or senior Risk Management leadership. This position reports directly to the Claims Manager and collaborates closely with the broader Risk Management team to support operational excellence, system improvements, and strategic claims initiatives.

FCCS provides a tremendous culture for its employees with a focus on work/life values. In addition to competitive pay and benefits, our Denver-based employees operate on a hybrid schedule, currently working remotely 3 days/week. The benefits and bonus structure are unique and a competitive advantage for FCCS making us a Great Place to Work certified organization.

In addition to an annual bonus opportunity and competitive benefits, the salary range for this position is $77, annually.



Job Responsibilities

Claims Management & Evaluation

• Serve as the lead adjuster on complex and litigated claims involving Employment Practices Liability (EPL), Directors & Officers (D&O), Professional Liability, and related management liability coverages.
• Review, evaluate, and resolve complex and litigated claims for both self-insured and insured clients within assigned authority.
• Handle claims across multiple lines of coverage, including: management liability (EPL, D&O, Professional liability, Bond), General liability, Auto liability and physical damage, property, bankers’ blanket bond, flood, workers’ compensation and related coverages.
• Establish and maintain accurate reserves, payments, and documentation within the claims management system, supporting data integrity and cleanup initiatives.
• Maintain developed standards and determine compensability, coverage, and liability; authorize medical care or repairs; manage litigation defense; review medical and legal bills; oversee subrogation and salvage; and submit timely excess carrier reporting.
• Adjust claims exceeding authority under the supervision of the Claims Manager or senior Risk Management leadership.

• Identify subrogation opportunities, secure evidence, pursue recoveries, process payments, and ensure reimbursement of applicable deductibles.
• Prepare, manage, and argue disputed claims through arbitration, ensuring compliance with applicable rules and deadlines.
• Manage total loss claims, including vehicle valuations, settlement negotiations, lienholder coordination, and salvage disposition.

• Maintain proactive and professional communication with injured employees, employers, medical providers, vendors, clients, and attorneys.
• Facilitate prompt treatment, recovery, and return-to-work efforts where applicable.
• Demonstrate strong attention to detail, responsiveness, and adaptability in a fast-paced environment.

• Assist with Medical Stop Loss claim activities.
• Review Loss Control documentation quarterly to support compliance and risk mitigation.
• Participate in claim reviews with auditors, customers, internal leadership, excess carriers, and insurer partners.
• Monitor shared inboxes and queues (Claims, Incident, and Cyber) and ensure timely claim setup, triage, and initial outreach.

• Participate in weekend and rotational monitoring of cyber claims, including claim setup and coordination of initial triage calls with insurers.
• Convert incidents to claims and initiate first contact within required time frames.

• Se…