459763 Public Adjuster Metro Public Adjustment459763 Public AdjusterCleveland, OHFull timeConduct a virtual walk-through inspection of the property, take some pictures, and fill out about 5 minutes worth of paper work. We are seeking motivated, self-starters in your area, who want to succeed.
Attorney Diedre Moire Corp.AttorneyMentor, OH$200,000–$300,000 / yearFull timeCONSIDERED EXPERIENCE INCLUDES: Attorney Lawyer Insurance Company Litigation Policy Development Transaction #DiedreMoire #InsuranceJobs #AttorneyJobs #LitigationJobs #JobSearch #JobHunt #JobOpening #Hiring #Job #Jobs #Careers #Employment #jobposting. Described compensation is not definite nor precise and may be estimated and approximate and is negotiable depending on market conditions and candidate availability and other factors and is solely at the discretion of employers.
NewClaims Adjuster - Associate Independence Pet GroupClaims Adjuster - AssociateAkron, OhioRemoteEstablished in 2021, Independence Pet Holdings is a corporate holding company that manages a diverse and broad portfolio of modern pet health brands and services, including insurance, pet education, lost recovery services, and more throughout North America. Education: Must meet one of the following requirements: Associate’s Degree or equivalent work experience (One-year relevant experience is equivalent to one year college); or.
Field Property Claims Adjuster-Cleveland, OH Farmers Group, Inc.Field Property Claims Adjuster-Cleveland, OHCleveland, OHRemotePersonal contacts are a major part of activity and include policyholders, claimants, agents, witnesses, repair facilities, contractors, police and fire departments, state and county fraud and arson personnel, special investigators, attorneys, expert witnesses, members of the medical profession and all other persons incident to the investigation and processing of claims. Investigates, confirms coverage, determines liability, establishes damages, reports status and negotiates the settlement of assigned cases (has authority to make payment of assigned claims within prescribed limits).
TEMP-Workers'''' Compensation Claims Adjuster Argo Group International Holdings IncTEMP-Workers'''' Compensation Claims AdjusterOHRemote$37.66–$44.33 / hourBoston metro area, California outside of Los Angeles & San Francisco metro area, Connecticut, Chicago metro area, Denver metro area, New Jersey (outside of New York City metro area), New York State (outside of New York City metro area), Washington, D. C. Clearing the error involves researching to obtain the missing or misaligned information (sometimes requiring communication with the claimant or insured) and entering or correcting data in various fields in either our claims system or the state's reporting site.
Property Adjuster Insurance Claims Elevate Claims SolutionsProperty Adjuster Insurance ClaimsCleveland, OhioElevate Claims Solutions is founded on the belief that human experience and claim quality are the essence of profitable growth and retention for our adjuster partners, our clients, and ourselves. Valuing our partnerships with our carrier clients; recognizing and maximizing the ways in which our Elevated Claims Handling can support them and their policyholders.
NewAuto Claims Adjuster Allstate Insurance CompanyAuto Claims AdjusterOH$47,500–$69,800 / yearThrough our subsidiaries, we provide a variety of insurance products, including personal and commercial automobile, homeowners, umbrella, recreational vehicle, supplemental health, lender-placed and other niche insurance products. Auto Insurance Claims, Automobile Accidents, Case Management, Claims Administration, Claims Resolution, Claims Review, Customer Service, Detail-Oriented, Insurance Claims Investigations, Insurance Policies, Investigative Skills, Multitasking.
Casualty Claims Specialist First Chicago Insurance CompanyCasualty Claims SpecialistCleveland, OHThey will settle complex liability claims which require greater investigation and verification, as well as casualty claims including severe injuries which may result in extended disability or bodily injury as well as coverage related litigation. The Casualty Claims Specialist will have the following duties and responsibilities: Review & determine course of action on each file assigned, utilizing technical knowledge & experience for the purpose of supporting final disposition of a loss.
Claims Counsel I Sherwin-Williams CoClaims Counsel ICleveland, OH3) Demonstrates the development of relevant function-based legal expertise and support for legal affairs of business units or enterprise-wide functions: Develops understanding of the operational model by which the supported business unit or enterprise-wide function operates. (2) Effectively handles a significant volume of dispute resolution activities for Risk Management partners: Provides advice - Provides focused and practical legal advice respecting business operations as well as the impact of current or anticipated laws, rules, and regulations.
Field Property Claims Adjuster (SE MI or Northern OH) Frankenmuth InsuranceField Property Claims Adjuster (SE MI or Northern OH)OHSummary: Under limited supervision and with independent judgment, investigates, evaluates and resolves/disposes of general property claims to determine the extent of company liability; may include determination and evaluation of coverage, compensability liability and damage in accordance with policy provisions by performing the following duties. Investigates claims to determine validity and extent of liability, including: Obtains information necessary to properly investigate and evaluate each case by corresponding with agents, insureds, claimants, witnesses and others.
Auto Claims Representative Auto-Owners Insurance CompanyAuto Claims RepresentativeAkron, OhioAbility to accurately deal with mathematical problems, including, geometry (area and volume) and financial areas (such as accuracy in sums, unit costs, and the capacity to read and develop understanding of personal and business finance documents). This job includes training and development completion of the Company’s claims training program for the assigned line of insurance and requires the person to: Investigate, evaluate, and settle entry-level insurance claims.
Casualty Claims Specialist First Chicago Insurance Company (FCIC)Casualty Claims SpecialistCleveland, OHThey will settle complex liability claims which require greater investigation and verification, as well as casualty claims including severe injuries which may result in extended disability or bodily injury as well as coverage related litigation. Conduct thorough investigations and keep accurate and relevant documentation of file activity on each claim assigned including coverage, liability status, and damages that are applicable for each claim.
NewMedical Claims Examiner Employ-TempsMedical Claims ExaminerUniontown, OHYou can view all our jobs by copying and pasting this link in your browser: https://employtemps.com/jobs/. Demonstrate a positive and cooperative work attitude and promote teamwork.
Claims Property Field Catastrophe (CAT) Representative (remote) Grange InsuranceClaims Property Field Catastrophe (CAT) Representative (remote)Cleveland, OHRemoteThese voluntary groups are open to all associates and have formed to celebrate similarities of ethnicity/race, nationality, generation, gender identity, and sexual orientation and include Multicultural Professional Network, Pride Partnership & Allies, Womens Group, and Young Professionals. In addition to competitive traditional benefits, Grange has also created unique benefits based on employee feedback, including a cultural appreciation holiday, family formation benefits, compassionate care leave, and expanded categories of bereavement leave.
Claims Examiner, Auto | Bodily Injury Sedgwick Claims Management Services, Inc.Claims Examiner, Auto | Bodily InjuryOHTo analyze complex auto bodily injury claims on behalf of our valued clients by evaluating coverage, investigating liability, and managing damages, while ensuring timely resolution within service expectations, industry best practices, and specific client requirements. Education & Licensing: Five (5) years of claims management experience or equivalent combination of education and experience required to include in-depth knowledge of personal and commercial line auto policies, coverage's, principles, and laws.
Claims Specialist - Professional Liability Philadelphia Insurance CompaniesClaims Specialist - Professional LiabilityBeachwood, OH$95,000–$105,000 / yearEvaluates each claim in light of facts; Affirm or deny coverage; investigate to establish proper reserves; and settles or denies claims in a fair and expeditious manner. Marketing Statement: Philadelphia Insurance Companies, a member of the Tokio Marine Group, designs, markets and underwrites commercial property/casualty and professional liability insurance products for select industries.
Claims Property Senior Field Representative (Cleveland, OH)- remote Grange InsuranceClaims Property Senior Field Representative (Cleveland, OH)- remoteCleveland, OHRemoteThese voluntary groups are open to all associates and have formed to celebrate similarities of ethnicity/race, nationality, generation, gender identity, and sexual orientation and include Multicultural Professional Network, Pride Partnership & Allies, Womens Group, and Young Professionals. In addition to competitive traditional benefits, Grange has also created unique benefits based on employee feedback, including a cultural appreciation holiday, family formation benefits, compassionate care leave, and expanded categories of bereavement leave.
Claims Property Field Representative (Cleveland, OH) Grange InsuranceClaims Property Field Representative (Cleveland, OH)Cleveland, OHThese voluntary groups are open to all associates and have formed to celebrate similarities of ethnicity/race, nationality, generation, gender identity, and sexual orientation and include Multicultural Professional Network, Pride Partnership & Allies, Womens Group, and Young Professionals. In addition to competitive traditional benefits, Grange has also created unique benefits based on employee feedback, including a cultural appreciation holiday, family formation benefits, compassionate care leave, and expanded categories of bereavement leave.
Field Claims Representative Auto-Owners Insurance CompanyField Claims RepresentativeAkron, OhioAbility to accurately deal with mathematical problems, including, geometry (area and volume) and financial areas (such as accuracy in sums, unit costs, and the capacity to read and develop understanding of personal and business finance documents). This job requires mastery of claims-handling skills and requires the person to: Investigate and assemble facts, determine policy coverage, evaluate the amount of loss, analyze legal liability.
Senior Counsel - Commercial Claims GEICO GENERAL INSURANCE COMPANYSenior Counsel - Commercial ClaimsBeachwood, OH$148,625–$260,350 / yearProvide legal advice to claims organization and business leaders on complex commercial insurance claims, including providing coverage advice, evaluating risk transfer demands and opportunities, and evaluating risk associated with potential extra-contractual exposure and alleged bad faith. A successful candidate should have ten or more years' experience advising claims organizations in insurance coverage and claims-related litigation arising from commercial insurance policies and ideally would have some familiarity with claims-related litigation risks across all fifty states.
Property & Casualty Insurance Claims Operations Consultant, Manager PricewaterhouseCoopers LLPProperty & Casualty Insurance Claims Operations Consultant, ManagerOH$99,000–$232,000 / yearPwC does not intend to hire experienced or entry level job seekers who will need, now or in the future, PwC sponsorship through the H-1B lottery, except as set forth within the following policy: https://pwc.to/H-1B-Lottery-Policy . You will analyze client needs, implement solutions, and provide training and support to validate seamless integration and utilization of business applications, enabling clients to achieve their strategic objectives.
NewRemote Claims Representative 613829 Metro Public AdjustmentRemote Claims Representative 613829Cleveland, OHRemoteIf you think you would be a great fit for our team, click Apply to seize this opportunity and shape your own future You will receive a link to schedule an informative interview session. Metro Public Adjustment is looking for people who are interested in helping homeowners receive the maximum amount they are entitled from their insurance claim.
Supervisor, Claims A/R Signature Health IncSupervisor, Claims A/ROHThe Supervisor, Claims A/R oversees payer related functions, including provider enrollment, insurance account analysis, denial resolution, and payment posting, and ensures that staff are equipped with the knowledge, tools, and guidance needed to perform at a high level. Demonstrated ability to oversee daily team operations and maintain alignment with departmental goals, consistent with the requirement to oversee the daily objectives of the Billing & Claims team, ensuring efficiency and accuracy.
Claims & Quality Specialist Tarkett SAClaims & Quality SpecialistOHTarkett creates and manufactures solutions for hospitals, schools, housing, hotels, offices, stores and sports fields, serving customers in over 100 countries. To build The Way to Better Floors, the Group is committed to circular economy and sustainability, in line with its Tarkett Human-Conscious Design approach.
Claims Representative, Auto Sedgwick Claims Management Services, Inc.Claims Representative, AutoOH$50,000–$55,000 / yearProcesses auto property damage and lower level injury claims; assesses damage, makes payments, and ensures claim files are properly documented and correctly coded based on the policy. Sedgwick is building a diverse, equitable, and inclusive workplace and recognizes that each person possesses a unique combination of skills, knowledge, and experience.
Claims Representative , Auto Sedgwick Claims Management Services, Inc.Claims Representative , AutoOH$50,000–$55,000 / yearProcesses auto property damage and lower level injury claims; assesses damage, makes payments, and ensures claim files are properly documented and correctly coded based on the policy. Sedgwick is building a diverse, equitable, and inclusive workplace and recognizes that each person possesses a unique combination of skills, knowledge, and experience.
GAP & Theft Claims Administrator I Protective Life CorporationGAP & Theft Claims Administrator ICleveland, OH$19–$20 / hourClaims Administration: Maintain all new claims, assigned to you and/or your teammates, which includes reviewing and checking in files, updating checklist based on specifications which includes, legibility of files, content, new or used vehicle, underwriter, state, etc., updating required fields: date of loss, mileage at date of loss, type of loss, customer's address, email, and phone number, updating both online status comments and claim notes, sending courtesy notice and customer checklist. The GAP & Theft Claims Administrator I will provide support our claims by handling a large volume of claims calls and emails, opening new claims, thoroughly and accurately collecting, and reviewing all claim documents, verifying all requirements have been met, and providing claim status updates.
Hospital Billing Claims & Remittance Analyst StratAcuity Staffing Partners IncHospital Billing Claims & Remittance AnalystCleveland, OHRemote$90–$100 / hourThe role includes the management of projects; working through complex problems, performing and supporting application upgrades, provides solutions, develops and documents workflows harmonized with systems, and supports the implementation life cycle to include end user adoption. Independently facilitates design of workflows in conjunction with the appropriate subject matter experts; workflows will focus on designing improved efficiencies, solving complex workflow issues and incorporating quality initiatives.
Claims Benefit & Disability Analyst I Medical MutualClaims Benefit & Disability Analyst ICleveland, OhioResponsible for department administrative duties that may include departmental scanning projects, ordering supplies and purchase requests, check handling, preparing and mailing monthly, quarterly and annual statements. Whether you are working remote or in the office, employees have access to on-site fitness centers at many locations, or a gym membership reimbursement when there is no Medical Mutual facility available.
Claims Appraiser - Auto Estimatics State FarmClaims Appraiser - Auto EstimaticsCleveland, Ohio$59,059.65–$82,000 / yearFull timeWith the opportunity to initially earn up to 20 days annually plus parental leave, paid holidays, celebration day, life leave (40 hours/year), bereavement leave, and community service/education support days, there will be plenty of time for you! Additional Details: Employees must successfully complete all required training, including applicable proficiency, licensing exam(s), Motor Vehicle Record (MVR) checks, and background checks required of various state(s).
Claims Associate - Consumer Apidel TechnologiesClaims Associate - ConsumerSeven Hills, OHContractorHandles high volume of claims, phone calls and correspondence ensuring claim files are properly documented; meets quality and production goals; and meets customer guidelines and deadlines. To process claims and determine benefits due pursuant to credit card or other financial program benefits plans; to make timely payments and adjustments for specified program claims; and to provide superior customer service.
Claims Assistant Apidel TechnologiesClaims AssistantSeven Hills, OHRemoteContractorExcellent oral and written communication PC literate, including Microsoft Office products Strong organizational skills Ability to work in a team environment Ability to meet or exceed Performance Competencies. Mental: Clear and conceptual thinking ability; excellent judgment and discretion; ability to handle work-related stress; ability to handle multiple priorities simultaneously; and ability to meet deadlines.
Property Claims Specialist Field Western Reserve GroupProperty Claims Specialist FieldAvon, OhioEstimates losses directly or working with consultants, independent adjusters and other experts to assess building, personal property, business income, heavy equipment, and other damages that can include losses which may range from moderate to large loss levels. The position requires the individual to apply common sense, understanding, reasoning and sound educated judgement coupled with sound Claims training and experience to properly evaluate and analyze claims for recommended action within assigned authority levels.
NewRemote SSDI & SSI Claims Attorney Flexible Practice BCG Attorney SearchRemote SSDI & SSI Claims Attorney Flexible PracticeCleveland, OHRemoteBCG Attorney Search seeks a compassionate and experienced Social Security Disability Attorney to join their client-focused team in Cleveland, OH. The ideal candidate will have a Juris Doctor degree, active Bar membership, and over 5 years of relevant experience in Social Security disability law.
Process Manager, Commercial Casualty Claims - Remote CSAA Insurance GroupProcess Manager, Commercial Casualty Claims - RemoteOHRemote$136,890–$152,100 / yearAlabama - Home Teleworkers, Alabama - Home Teleworkers, Arizona - Home Teleworkers, Arkansas - Home Teleworkers, Colorado - Home Teleworkers, Connecticut - Home Teleworkers, Delaware - Home Teleworker, District of Columbia - Home Teleworkers, Florida - Home Teleworkers, Georgia - Home Teleworkers, Idaho - Home Teleworkers, Illinois - Home Teleworkers, Indiana - Home Teleworkers, Iowa - Home Teleworkers, Kansas - Home Teleworker, Kentucky - Home Teleworkers, Louisiana - Home Teleworkers, Maine Home Teleworkers, Maryland - Home Teleworkers, Massachusetts - Home Teleworkers, Michigan - Home Teleworkers, Minnesota - Home Teleworkers, Mississippi - Home Teleworker, Missouri - Home Teleworker, Montana - Home Teleworkers {+ 21 more}. Project management experience and skills to accurately complete detailed data assignments and to understand and interpret broad operational concepts and their application to the business unit and CSAA.
Claims Assistant MindlanceClaims AssistantSeven Hills, OHRemoteMental: Clear and conceptual thinking ability; excellent judgment and discretion; ability to handle work-related stress; ability to handle multiple priorities simultaneously; and ability to meet deadlines Physical: Computer keyboarding, travel as required Auditory/Visual: Hearing, vision and talking. Skills & Knowledge Excellent oral and written communication PC literate, including Microsoft Office products Strong organizational skills Ability to work in a team environment Ability to meet or exceed Performance Competencies.
EPIC Applications Analyst (1-4): Hospital Billing Admin and Hospital Billing Claims - IT Services - Full Time SolutionHealthEPIC Applications Analyst (1-4): Hospital Billing Admin and Hospital Billing Claims - IT Services - Full TimeOHEpic Application Analysts 2-4 require current Epic training status (certification, accreditation, and/or proficiency) in primary application required, with a combination of current Epic training statuses in additional area(s) in application maintenance and development required in upper levels. Ideal candidates will possess strong experience as analyst with expert knowledge and experience in leading system analysis with special emphasis on system methodologies, projects management and business process reengineering related to information systems required.
IT Agile Delivery Owner Lead - Claims IT The Progressive CorpIT Agile Delivery Owner Lead - Claims ITOHRemote$120,000–$131,200 / yearStrong understanding of agile workflow and delivery metrics (e.g., throughput, cycle time, lead time, work item age, and WIP) and the ability to use data to identify improvement opportunities and support decision-making. As an IT agile delivery owner lead on the Claims IT Data Integration team, you'll play a key role in helping deliver the data solutions that power Claims business outcomes.
NewAdministrative Assistant, Commercial Litigation - Disputes, Claims & Investigations Stout Risius RossAdministrative Assistant, Commercial Litigation - Disputes, Claims & InvestigationsCleveland, OhioBoth our client service and culture are second to none, stemming from our firmwide embrace of our core values: Positive and Team-Oriented, Accountable, Committed, Relationship-Focused, Super-Responsive, and being Great communicators. Stout provides flexible work schedules and a discretionary time off policy to promote work-life balance and help employees lead fulfilling lives.
NewAdministrative Assistant, Commercial Litigation - Disputes, Claims & Investigations StoutAdministrative Assistant, Commercial Litigation - Disputes, Claims & InvestigationsCleveland, OhioBoth our client service and culture are second to none, stemming from our firmwide embrace of our core values: Positive and Team-Oriented, Accountable, Committed, Relationship-Focused, Super-Responsive, and being Great communicators. Stout provides flexible work schedules and a discretionary time off policy to promote work-life balance and help employees lead fulfilling lives.
Claim Examiner-Commercial Auto/Trucking Physical Damage (hybrid) RLI CorpClaim Examiner-Commercial Auto/Trucking Physical Damage (hybrid)Broadview Heights, OH$68,556–$98,036 / yearThis approach rises from and is supported by our talented, ethical and smart team of employee owners united around a single purpose: to work alongside our customers and partners when they need us, in unexpected ways, with exceptional results. Our goal is to attract, develop and retain the best employee talent from diverse backgrounds while promoting an environment where all viewpoints are valued and individuals feel respected, are treated fairly, and have an opportunity to excel in their chosen careers.
Technical Claim Manager-Personal Umbrella (Bodily Injury Liability/Auto/Premises, hybrid) RLI CorpTechnical Claim Manager-Personal Umbrella (Bodily Injury Liability/Auto/Premises, hybrid)OH$95,458–$136,505 / yearThis approach rises from and is supported by our talented, ethical and smart team of employee owners united around a single purpose: to work alongside our customers and partners when they need us, in unexpected ways, with exceptional results. Our goal is to attract, develop and retain the best employee talent from diverse backgrounds while promoting an environment where all viewpoints are valued and individuals feel respected, are treated fairly, and have an opportunity to excel in their chosen careers.
Claim Examiner IV-Personal Umbrella (Bodily Injury Liability/Auto/Premises) RLI CorpClaim Examiner IV-Personal Umbrella (Bodily Injury Liability/Auto/Premises)Broadview Heights, OH$80,897–$115,682 / yearThis approach rises from and is supported by our talented, ethical and smart team of employee owners united around a single purpose: to work alongside our customers and partners when they need us, in unexpected ways, with exceptional results. Our goal is to attract, develop and retain the best employee talent from diverse backgrounds while promoting an environment where all viewpoints are valued and individuals feel respected, are treated fairly, and have an opportunity to excel in their chosen careers.
Claim Director/Team Lead-Personal Umbrella Major Case Unit (hybrid) RLI CorpClaim Director/Team Lead-Personal Umbrella Major Case Unit (hybrid)Broadview Heights, OH$136,618–$199,120 / yearWe are seeking a Claim Director/Team Lead-Major Case Unit to oversee the handling of complex, high-exposure Personal Umbrella Liability claims including auto, premises, and personal liability, with policy limits typically ranging from $1 to $5 million. Claims Management: Oversee the handling of complex, high-exposure Personal Umbrella Liability claims across the United States, emphasizing detailed investigation, evaluation, and monitoring of primary carrier activities to achieve the best results.
Technical Claim Director-GL Major Case Unit RLI CorpTechnical Claim Director-GL Major Case UnitBroadview Heights, OH$136,618–$199,120 / yearIdeal candidate will have superior working knowledge of case law, statutes, and procedures impacting the handling and value of general liability claims and would benefit from having experience with handling claims for different types of insurance risks and policies (e.g. This approach rises from and is supported by our talented, ethical and smart team of employee owners united around a single purpose: to work alongside our customers and partners when they need us, in unexpected ways, with exceptional results.
Medical Claim Analyst CVS Health CorpMedical Claim AnalystOH$18.50–$35.29 / hourThis function includes, but is not limited to the following: Review provider re-submissions of ClaimsXten, Clinical Validation, Prospective Claim Accuracy, Novologix and DRG claims and resolve or prepare them for review by an Aetna clinician. The Medical Claim Analyst will be part of the Provider Coding and Reimbursement (PCR) team who reviews provider coding and reimbursement denial disputes from providers.
NewClaim Specialist - Property Field Inspection State FarmClaim Specialist - Property Field InspectionCleveland, OH$59,059.65–$90,000 / yearWith the opportunity to initially earn up to 20 days annually plus parental leave, paid holidays, celebration day, life leave (40 hours/year), bereavement leave, and community service/education support days, there will be plenty of time for you! Additional Details: Employees must successfully complete all required training, including applicable proficiency, licensing exam(s), Motor Vehicle Record (MVR) checks, and background checks required of various state(s).
Workers Compensation Return to Work Claim Professional The Travelers Companies IncWorkers Compensation Return to Work Claim ProfessionalCleveland, OH$67,000–$110,600 / yearAnalytical Thinking: Identifies current or future problems or opportunities; analyzes, synthesizes and compares information to understand issues; identifies cause/effect relationships; and explores alternative solutions that support sound decision-making. Independently handles assigned claims of low to moderate complexity where Wage loss and the expectation is a return to work to modified or full duty or obtain MMI with no RTW.
Insurance Project Coordinator Third EstimateInsurance Project CoordinatorSolon, OHIf youre passionate about helping customers, coordinating projects, and working in a fast-paced environment where every day is different, wed love to hear from you. Youll coordinate insurance claims, review coverage, prepare estimates, communicate project updates, and ensure every insurance restoration project moves smoothly from start to finish.
Auto Adjuster I, II or Sr. Allstate Insurance CompanyAuto Adjuster I, II or Sr.OH$50,000–$74,350 / yearAuto Collision (Inactive), Auto Collision Repair, Auto Insurance, Auto Insurance Claims, Automobile Accidents, Automobile Liability, Case Management, Claims Administration, Claims Resolution, Claims Review, Customer Service, De-Escalation, Insurance Administration, Insurance Claims, Insurance Coverage, Insurance Policies, Investigative Skills, Multitasking, Negotiation, Task Organization, Time Management. Through our subsidiaries, we provide a variety of insurance products, including personal and commercial automobile, homeowners, umbrella, recreational vehicle, supplemental health, lender-placed and other niche insurance products.