Job Description

Midwest Family Mutual Insurance Company (MFM), headquartered in Urbandale, IA, has been a trusted insurance provider since 1891. As a super-regional mutual insurer, we deliver top-tier personal and commercial coverage across multiple states. We prioritize financial stability, customer service excellence, and innovation, fostering a collaborative and forward-thinking work environment.

We're looking for an experienced Property & Casualty General Liability Claims Adjuster to join our remote-first team. If you have a strong background investigating and resolving complex liability claims—and experience with construction liability claims—we'd love to hear from you. 

This is a full-time, work-from-home position , providing employees with the flexibility and support to thrive remotely.

Our Core Values

At MFM, our company culture is built on these guiding principles:

• Focus on Agents & Customers – We are committed to Independent Agents as our exclusive distribution channel. Our mission is to serve our Agents first so they can best serve our policyholders, ensuring competitive pricing, proper coverage, and fair claims service.
• Innovate – We embrace change and encourage employees to share innovative ideas that enhance productivity, product offerings, cost containment, and customer experience.
• Think Like an Owner – Every employee should bring an “owner mindset” to their work, making decisions that support company growth, sound underwriting, and responsible claims service.
• Treat Each Other Like Family – We value a close-knit company culture, where employees are known by name, not by number. Even in a remote setting, we strive to build meaningful connections across teams.
• Enjoy What You Do – With over 2,000 hours dedicated to work each year, we foster an environment where employees find purpose and satisfaction in their roles, whether through assisting policyholders or contributing to strategic growth.
• Do Things the Right Way – Ethical integrity is paramount. We emphasize best practices, responsible decision-making, and doing what is right, even when no one is watching.

Position Overview

Join our team as a General Liability Claims Adjuster , where your expertise, problem-solving skills, and dedication to fair claim resolution will make a real impact. This role demands strong analytical abilities, sound judgment, and top-tier customer service to support agents and policyholders.

Key Responsibilities

• Investigate & Evaluate – Conduct in-depth claim investigations, gather recorded statements, and determine coverage 
• Reserve Management - Timely & Adequate reserving.
• Document Management – Maintain organized, professional claim files, reports, and communications
• Negotiate & Resolve – Strategically negotiate settlements to achieve fair, timely resolutions.
• Stay Current – Keep up with evolving legal statutes, policy conditions, and industry trends.
• Navigate Technology – Operate seamlessly within a paperless Claims Management System.
• Engage in Legal Proceedings – Travel as needed for depositions, mediations, and trials.

Work Conditions

• Remote Work Environment – This position is primarily remote and requires a dedicated, professional home office workspace that provides a safe, secure, and distraction-limited work environment. 
•   Work Schedule – Standard 40-hour workweek with flexibility within established business hours. Core business hours are 8:00 a.m. – 5:00 p.m. CST . Due to the nature of claims operations, occasional early morning, evening, or extended hours may be necessary during periods of high claim volume, catastrophic events, or other business demands. 
• High-Speed Internet – Reliable, high-speed internet service is required to support video conferencing, cloud-based applications, and efficient communication throughout the workday. 
• Technology-Driven Environment – Frequent use of a computer, multiple monitors, keyboard, mouse, telephone, and virtual meeting platforms. Ability to accurately and efficiently use technology for extended periods is essential. 
• Manual Dexterity – Requires fine motor skills and manual dexterity sufficient to operate a computer keyboard, mouse, telephone, and other standard office equipment with precision and accuracy. 
• Visual Requirements – Frequent viewing of computer monitors, electronic documents, and claim files requiring close visual attention and the ability to distinguish details. 
• Communication – Frequent verbal and written communication with policyholders, agents, attorneys, contractors, vendors, and internal business partners via phone, email, and virtual meetings. 
• Work Schedule – Primarily sedentary work requiring prolonged periods of sitting while maintaining the ability to occasionally stand, walk, stretch, or move throughout the workday. 
• Travel – Occasional travel may be required for claim investigations, training, meetings, or company events..

  Qualifications & Experience

• 2+ years handling Commercial Liability claims, inclusive of litigation experience.
• Experience with construction liability claims a plus.
• Strong negotiation, analytical, and problem-solving skills.
• Excellent written and verbal communication abilities.
• Proficiency in Microsoft Word and Excel.
• Highly organized with keen attention to detail.
• Ability to work independently in a fully remote setting.
• Experience with mediations, arbitrations, and settlement negotiations.
• Strong collaboration with legal counsel and claims teams.

Why Join MFM?

• Comprehensive Benefits Package – Enjoy competitive health, dental, and vision insurance.
• Retirement Planning – 401(k) with company match and a Defined Benefit Pension Plan to help secure your financial future.
• Work-Life Balance – Work from home with generous paid time off and company holidays.
• Professional Development – Opportunities for ongoing training and career growth, including education reimbursement.
• Wellness Support – Employee assistance programs and wellness initiatives.
• Technology Stipends – Support for home office setup and remote work tools.
• Autonomy & Flexibility – Thrive in a fully remote, supportive work culture.
• Growth & Development – Expand your skills in a dynamic claims environment.
• Impactful Work – Make a real difference by ensuring fair and timely claim resolutions.
• Innovative Culture – Be part of a company that values forward-thinking and continuous improvement.

Ready to take your career to the next level? Apply today and become part of a team that values expertise, collaboration, and innovation!  

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