Claims Subrogation Specialist at Bear River Mutual Insurance Company – Murray, Utah

Summary:

The Claims Subrogation Specialist plays a critical role in supporting the company's subrogation efforts by investigating, evaluating, and settling both first- and third-party subrogation claims to achieve optimal recovery percentages while controlling costs. This position is responsible for managing an active case load, negotiating settlements within defined authority limits, and overseeing a range of auto and homeowners claims.

This role provides comprehensive support to the claims department and serves as an excellent entry point for individuals seeking to begin a career in claims, with opportunities to progressively more challenging roles. A more experienced applicant will find opportunities to file, respond to, and hear inter-company arbitrations. An experienced applicant will also collaborate with inside and outside counsel to pursue subrogation through legal means.

Key Responsibilities:

· Identify, evaluate, and interpret subrogation potential, utilizing professional knowledge and expertise

· Manage subrogation and arbitration for personal auto property damage claims, including coverage verification, liability assessment, demand preparation, negotiation, and recovery activities

· Collaborate with customers and carriers to resolve multi-party property damage claims effectively

· Coordinate with frontline claims staff and leadership to ensure seamless handoffs, timely responses, and minimization of arbitration or litigation risks while adhering to internal workflows

· Pursue recovery from tort carriers, arbitrate when necessary, and maintain thorough documentation with detailed file notes and supporting evidence

· Track key performance indicators (cycle time, recovery rate, reserve accuracy) and proactively communicate status updates, risks, and next steps to stakeholders

· Initiate outbound and respond to inbound communications with insureds, vendors, counsel, and other insurance carriers

· Print, prepare, and mail official correspondence to pursue recovery

· File new claim reports received via inbound demands for claims that have not been reported

· Assist the total loss department with administrative paperwork and telephone communications

· Contribute to special projects as required

· Other tasks as assigned

Qualifications:

· High school diploma required

· Experience working in dynamic, fast-paced environments

· Exceptional communication, negotiation, and organizational skills

· Strong critical thinking and problem-solving capabilities

· Self-motivated, capable of working independently and exercising sound judgment

· Familiarity with office environments

· Proficiency with Windows-based computer systems

· Salary Range: $55,000 to $65,000

Preferred:

· Bilingual proficiency (English/Spanish)

· Bachelor’s or advanced degree

· Call center/customer service, claims, or collection recovery experience

Work Environment:

· In-office position

· Monday through Friday schedule

· Generous benefits package

Why Bear River Mutual?

Bear River Mutual isn’t just a place to work — it’s a place where you can grow your career. With over 100 years of service, we’re proud of our legacy and continue to set high standards for service in the insurance industry. Our employees are the heart of our success, and we’re committed to creating a positive and supportive environment for our team.

• Recognized as one of Utah's Best Companies to Work for by Utah Business Magazine.
• A company that values work-life balance.
• Opportunities for career growth and development — we love to promote from within!

Benefits
Bear River Mutual offers a wide range of employee benefits:

• 120 hours of PTO for first-year employees
• Profit sharing up to 8%
• Pension plan after five years of employment
• Medical, Dental and Vision plans
• Employer HSA contribution
• Company 401(k) match up to 4%

· Tuition reimbursement for job-related education

· Paid Life Insurance

· Eleven Paid Holidays

· One Personal Day