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. MFM is proud to be a full-time, work-from-home company, providing employees with the flexibility and support to thrive remotely.

Join our team as a Commercial Auto Bodily Injury Claims Adjuster, where your expertise, problem-solving skills, and dedication to fair claim resolution will make a real impact.

Position Overview

The Commercial Auto Bodily Injury Claims Adjuster is responsible for the end-to-end management of complex liability claims, requiring a high level of analytical thinking, sound judgment, and professional discretion. This role involves conducting thorough investigations, evaluating coverage and liability, and driving timely, fair claim resolutions while maintaining accurate reserves and comprehensive documentation.

The adjuster serves as a key point of contact for agents, policyholders, and legal partners, delivering responsive, high-quality service throughout the claims lifecycle. Success in this position requires strong negotiation skills, attention to detail, and the ability to navigate evolving legal and regulatory environments. The role also demands proficiency in a paperless claims system and a willingness to participate in legal proceedings, including travel for mediations, depositions, and trials as needed.

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.

• 2+ years handling Commercial Automobile or Motor Carrier Liability claims, inclusive of litigation experience.
• 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.
• Multi-State adjusting experience is preferred.
• Insurance education and/or designations a plus.
• Strong working knowledge of Microsoft Office products, good keyboarding and technology skills.

Work Conditions

• Fully remote role – Work from home full-time.
• Standard 40-hour workweek – Flexibility within structured hours.
• Tech-driven environment – Frequent computer and phone use.
• Some travel required – For legal proceedings and meetings.

Why Join MFM?

• Comprehensive Benefits Package – Enjoy competitive health, dental, and vision insurance.
• Retirement Benefits – 401(k) with company match and a Defined Benefit Pension Plan to help secure your financial future.
• Work-Life Balance – Generous paid time off and company holidays.
• Professional Development – Opportunities for ongoing training and career growth.
• 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

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