Role Description Zurich is seeking an experienced Workman’s Compensation Claims Specialist to join our team! We are specifically seeking candidates who can work from the Northeast with jurisdictions of CA, NV, AZ, and or WA. To handle Workers’ Compensation claims of moderate to high exposure and complexity within specific authority limits, to ensure that claims are handled in the most efficient, effective way while delivering a customer-centric claims service. Jurisdictional knowledge in California Workers Compensation is required. In this role you will be responsible for: - Document claims file by accurately capturing and updating claims data/information in compliance with best practices for workers compensation claims of moderate to high exposure and complexity. - Exercise judgment to determine compensability by gathering and analyzing relevant facts and utilizing applicable laws and statute. - Exercise judgment to evaluate coverage by analyzing policy documents for location and date of loss. - Work to have a timely resolution to claims by developing case strategy; developing a case evaluation; escalating issues as appropriate. - Establish timely reserves and perform ongoing review throughout claims cycle within authority limit for most probable exposure and claim outcome. - Assess exposure or range of exposure based on the case facts, jurisdictional statute, and claims experience. - Negotiate settlement of claim by establishing appropriate negotiation strategy and utilizing available tools and resources within authority limits. - Meet quality standards by following best practices. Qualifications - Bachelor’s Degree and 6 or more years of experience in the Claims and/or Litigation Management area. - OR Juris Doctor and 2 or more years of experience in the Claims and/or Litigation Management area. - OR Zurich Certified Insurance Apprentice, including an Associate Degree with 6 or more years of experience in the Claims and/or Litigation Management area. - OR Completion of Zurich Claims Training Program and 5 or more years of experience in the Claims and/or Litigation Management area. - OR High School Diploma Equivalent and 8 or more years of experience in the Claims and/or Litigation Management area. - Must obtain and maintain required adjuster license(s). - Microsoft Office experience. - Knowledge of insurance regulations, markets and products. Requirements - Effective verbal and written communication skills. - Strong analytical, critical thinking and problem-solving skills. - Strong multi-tasking and prioritization skills. - Experience collaborating in a team environment and building cross functional working relationships. - Proactively shares and promotes sharing of insights. - Ability to gather unique perspectives from other teams/functions to optimize outcomes. - Understands, analyzes, and applies the component parts of an insurance policy for moderate to complex claims. - Ability to follow reserving process for indemnity and expense in analyzing the potential exposure of moderate to complex claims. - Ability to determine the scope and exposure for moderate to complex claims. - Ability to leverage knowledge of industry trends and relationships to provide high-quality customer service. - Ability to effectively communicate coverage determinations to customers/clients/brokers for moderate to complex claims. - Ability to direct counsel on an ongoing basis to guide the course of moderate to complex litigation and settlement strategies. Benefits - Your pay at Zurich is based on your role, location, skills, and experience. - We follow local laws to ensure fair compensation. - You may also be eligible for bonuses and merit increases. - The proposed Salary range for this position is $75,800.00 - $124,100.00, with short-term incentive bonus eligibility set at 15%. - We offer competitive pay and comprehensive benefits for employees and their families.

Role Description In this role, you’ll have the opportunity to take ownership of moderately to highly complex workers' compensation claims and make a direct impact on outcomes for clients and claimants. You’ll drive investigations, evaluate coverage and liability, and shape claim strategies from start to resolution—balancing thoughtful analysis with decisive action. Your expertise will be key in setting reserves, negotiating fair settlements, and identifying risk and recovery opportunities. Along the way, you’ll build strong relationships with clients and stakeholders, ensure compliance with evolving regulations, and play a meaningful role in mentoring others and elevating team performance. - Analyzes coverage to confirm losses are covered under client policies - Initiates contact within 24 hours with all relevant parties (clients, claimants, employees, medical providers) - Conducts thorough investigations, including fact-finding and recorded statements - Develops and executes action plans to resolve claims efficiently - Performs reserve analysis and sets/maintains appropriate reserves per client guidelines - Reviews medical records and bills to assess injury, compensability, treatment, and accuracy - Identifies risk factors and routes claims for specialized handling (SIU, subrogation, medical review) with approval - Identifies, investigates, and pursues subrogation opportunities, including review of official reports - Escalates complex claims and collaborates with leadership as needed - Prepares required jurisdictional filings for workers’ compensation claims - Evaluates coverage, liability, and claim value; responds to stakeholder inquiries - Negotiates settlements, participates in mediation, and manages payments within authority limits; recommends higher-value settlements - Prepares and issues denial and settlement documentation; develops evaluation ranges and supports litigation, mediation, arbitration, and Medicare compliance - Maintains diaries and action plans, provides timely responses and claim updates, conducts client consultations, coordinates vendor resources, manages reporting (including excess carriers), stays current on regulations, maintains licenses/CEUs, and supports training of team members Qualifications - Bachelor’s degree or equivalent relevant experience - Five years of claims adjusting experience or related experience - Prior experience with a third party administrator (TPA) preferred - INS, AIC, SCLA, WCLA and CPCU coursework or designation preferred - Workers' compensation claims adjusting experience within the following jurisdictions preferred: IA, IL, WI, KS Requirements - Excellent knowledge of the theory and practice of the claim function - Excellent analytical, investigative and problem-solving abilities with respect to liability and coverage - Thorough knowledge of insurance contracts, medical terminology and legal aspects of court procedures affecting legal liability for all lines of insurance - Strong computer skills, including claims systems - Strong organizational, written, and verbal communication skills, including documentation - Strong ability to advise, partner, and effectively consult with diverse internal and external stakeholders - Occasional travel required; a valid driver’s license with an acceptable motor vehicle report per company standards Benefits For information relating to the benefits EMC Team Members receive as part of a comprehensive rewards package, please visit www.emcins.com/careers .

Role Description The Medical Only Claims Specialist, Workers’ Compensation manages a high frequency desk, which includes primarily medical only claims. The Medical Only Claims Specialist is responsible for the investigation, evaluation, and determination of compensability for work-related injury and disease claims following established guidelines to determine benefit eligibility. The position’s objective is to provide superior service in a cost-effective manner to achieve best possible outcomes as well as proactively collaborate across the enterprise to ensure alignment of objectives and foster continuous improvement. Essential Functions - Gathers relevant facts by performing three-point contacts with involved parties and completing a thorough claim investigation prior to issuing a compensability determination. - Decides the outcome of claims using sound judgment and applying established policy, procedures, regulations, and guidelines. - Evaluates and establishes an action plan to manage benefits associated with primarily medical only and occupational disease claims to their most cost-effective conclusion. - Determines eligibility of benefits once medical treatment plans have been secured and processed within the designated authority levels. - Actively identifies and develops the investigation of and pursuit of subrogation recoveries when possible. - Utilizes proactive reserving behaviors to ensure adequate case reserves which reflect the probable ultimate outcome based on the current known circumstances throughout the life of the claim. - Consults with lost time claims specialists and/or complex claims specialists, director or Claims Product and Operations staff, as needed. - Analyzes reports from external resources such as physicians, attorneys, and/or vocational rehabilitation experts to evaluate and adjust claim strategies as needed. - Evaluates and negotiates claim settlements utilizing human relation skills and technical knowledge to achieve the best possible outcome. - Consults with assigned claim director if the loss becomes more complex or presents increasing financial exposure. - Effectively and independently uses available resources to prioritize, organize, and complete work in a timely manner to meet jurisdictional requirements, timeframes, and internal metrics. - Follows established claims best practices related to medical management, litigation, fraud/abuse and recovery. - Presents claims and participates in discussion at team staffing. - Works collaboratively with the injured worker, employer, outside counsel, and health and rehabilitation professionals to manage the claims costs and promote quality medical care. - Along with the claim director, regional vice president and other claims staff, participates in claim reviews, onboardings, etc. for our policyholders and agents. - Proactively collaborates with our policyholders to ensure alignment of objectives and foster continuous improvement. Knowledge, Skills and Abilities - Bachelor’s Degree from an accredited college or university is preferred. - One year of experience in the field of insurance, customer service, claims investigation, legal, rehabilitation, or medical claims processing required. Workers’ compensation claims experience and licensure preferred. - Must pass the claims adjuster license exam(s) as assigned within 6 months of being hired. - Preference may be shown to candidates with multiple state claims management experience. - Ability to use logic and sound reasoning to identify alternative solutions for problem-solving. - Strong written and verbal communication skills. - Strong analytical skills. - Ability to multitask and manage time effectively and productively. - Work effectively independently as well as in a team environment. - Develop and maintain strong, effective internal and external relationships. - Work effectively in a paperless environment. - Skilled in the use of laptops, claims management systems, and other typical business-related programs such as Microsoft Office suite. Benefits - Health, Dental & Vision Insurance - Company-provided life and income protection plans - Eligibility to participate in a company incentive bonus program - 401(k) Retirement Plan - 100% company match up to 7% on annual salary - Paid Time Off, Paid Holidays, and Floating Holidays - Flexible Work Arrangements - Hybrid and remote depending on the role

Role Description Move beyond claim processing—step into complex coverage decision-making in cyber insurance. Looking to move beyond transactional claims handling? This is an opportunity to work at the forefront of cyber insurance, where no two claims are the same—and your analytical thinking truly matters. At HSB, you’ll handle complex cyber claims across both personal and commercial lines, navigating multi-coverage scenarios, interpreting policy language, and making thoughtful, well-supported coverage decisions. What Makes This Role Different - Not a processing role – You’ll analyze, interpret, and make decisions on complex claims - High complexity exposure – Claims may involve multiple coverages, competing policy language, and multimillion-dollar exposure - Variety and challenge – From data breaches to system damage to social engineering, you’ll never see the same claim twice - True critical thinking – Fact patterns can lead to different outcomes depending on policy interpretation What You’ll Do - Analyze complex cyber claims involving multiple coverage triggers (e.g., system damage, data compromise, cyber extortion) - Interpret and apply policy language and contract language to determine accurate coverage decisions - Investigate claims, assess facts, and evaluate causation and loss scenarios - Draft detailed, well-supported coverage letters explaining decisions clearly and professionally - Communicate with insureds and stakeholders in difficult, high-stakes situations with empathy and clarity - Manage a portfolio of claims while balancing quality, accuracy, and timeliness - Deliver a consistent, professional customer experience while upholding claims standards Qualifications - A High School diploma is required. College degree is preferred. - 1+ year experience in customer facing, financial, or service oriented position. - 2+ years experience in the Property/Casualty insurance industry and/or as a Claims Adjuster is a plus. - Adjuster licenses as required by state. - This is the position for you if you have: - Analytical mindset – able to interpret nuanced policy language and apply it to unique fact patterns - Critical thinking – comfortable making decisions where outcomes are not always clear-cut - Strong writing skills – able to draft clear, structured, and professional coverage letters - Communication & empathy – able to navigate sensitive conversations with insureds - Intellectual curiosity – enjoys solving complex problems and learning continuously Benefits - Two options for your health insurance plan (PPO or High Deductible). - Prescription drug coverage (included in your health insurance plan). - Vision and dental insurance plans. - Additional insurance coverages provided at no cost to you, such as basic life insurance equal to 1x annual salary and AD&D coverage that is equal to 1x annual salary. - Short and Long Term Disability coverage. - Supplemental Life and AD&D plans that you can purchase for yourself and dependents (includes Spouse/domestic partner and children). - Voluntary Benefit plans that supplement your health and life insurance plans (Accident, Critical Illness and Hospital Indemnity). - A robust 401k plan with up to a 5% employer match. - A retirement savings plan that is 100% company funded. - Paid time off that begins with 24 days each year, with more days added when you celebrate milestone service anniversaries. - Eligibility to receive a yearly bonus as a Munich Re employee. - A variety of health and wellness programs provided at no cost. - Paid time off for eligible family care needs. - Tuition assistance and educational achievement bonuses. - A corporate matching gifts program that further enhances your charitable donation. - Paid time off to volunteer in your community.