NewWorkers Compensation Claims Coordinator Encompass HealthWorkers Compensation Claims CoordinatorVestavia Hills, ALWe collaborate and provide high-quality, compassionate, individualized care for our patients, allowing us time to get to know them and help them achieve their goals during their rehabilitation journey. Encompass Health is a trusted leader in post-acute care with over 150 nationwide locations and a team of 36,000 exceptional individuals and growing!
NewProperty Adjuster Specialist - Field USAAProperty Adjuster Specialist - FieldWestover, VARemote$69,920–$133,620 / yearProactively manages assigned claims caseload comprised of complex damages that require commensurate knowledge and understanding of claims coverage including potential legal liability. 2 years of relevant property claims adjusting experience of moderate complexity losses that includes writing estimates, involving dwelling and structural damages.
NewRisk Management Coordinator Encompass HealthRisk Management CoordinatorTrussville, ALWe collaborate and provide high-quality, compassionate, individualized care for our patients, allowing us time to get to know them and help them achieve their goals during their rehabilitation journey. Encompass Health is a trusted leader in post-acute care with over 150 nationwide locations and a team of 36,000 exceptional individuals and growing!
Claims Adjuster II Protective Life CorporationClaims Adjuster IIALRemote$22–$25 / hourFunctions and Responsibilities: 80% of time: Process queue contacts from the claims queues, email and or chat channels from dealers, repair facilities, sales/agents as well as internal and external customers. We may use artificial intelligence (AI) tools to support parts of the hiring process, such as reviewing applications, analyzing resumes, or assessing responses and identifying potential inconsistencies or verification signals in application materials based on available information.
Insurance Claims Adjuster Alexander Shunnarah Trial AttorneysInsurance Claims AdjusterBirmingham, AlabamaExperience: Minimum 3 years of Personal Injury Legal Case Manager/Legal Assistant, or Bodily Insurance Claims Negotiation experience required ; 5+ years preferred. Engage Directly: Maintain effective communication with clients, providers, and insurance companies, handling inquiries and updates with precision.
TEMP-Workers'''' Compensation Claims Adjuster Argo Group International Holdings IncTEMP-Workers'''' Compensation Claims AdjusterALRemote$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.
Independent Insurance Claims Adjuster in Trussville, Alabama MileHigh Adjusters HoustonIndependent Insurance Claims Adjuster in Trussville, AlabamaTrussville, AlabamaIf you are interested in roster opportunities or would like to learn what licensing, training, and qualifications may be needed to pursue a career as an insurance adjuster, please apply today and schedule a brief informational meeting with our team. If additional licensing or training is needed, MileHigh Adjusters Houston offers career-entry training programs designed to help qualified individuals prepare for the industry.
Independent Insurance Claims Adjuster in Bessemer, Alabama MileHigh Adjusters HoustonIndependent Insurance Claims Adjuster in Bessemer, AlabamaBessemer, AlabamaIf you are interested in roster opportunities or would like to learn what licensing, training, and qualifications may be needed to pursue a career as an insurance adjuster, please apply today and schedule a brief informational meeting with our team. If additional licensing or training is needed, MileHigh Adjusters Houston offers career-entry training programs designed to help qualified individuals prepare for the industry.
Independent Insurance Claims Adjuster in Birmingham, Alabama MileHigh Adjusters HoustonIndependent Insurance Claims Adjuster in Birmingham, AlabamaBirmingham, AlabamaIf you are interested in roster opportunities or would like to learn what licensing, training, and qualifications may be needed to pursue a career as an insurance adjuster, please apply today and schedule a brief informational meeting with our team. If additional licensing or training is needed, MileHigh Adjusters Houston offers career-entry training programs designed to help qualified individuals prepare for the industry.
Independent Insurance Claims Adjuster in Leeds, Alabama MileHigh Adjusters HoustonIndependent Insurance Claims Adjuster in Leeds, AlabamaLeeds, AlabamaIf you are interested in roster opportunities or would like to learn what licensing, training, and qualifications may be needed to pursue a career as an insurance adjuster, please apply today and schedule a brief informational meeting with our team. If additional licensing or training is needed, MileHigh Adjusters Houston offers career-entry training programs designed to help qualified individuals prepare for the industry.
Independent Insurance Claims Adjuster in Sylacauga, Alabama MileHigh Adjusters HoustonIndependent Insurance Claims Adjuster in Sylacauga, AlabamaSylacauga, AlabamaIf you are interested in roster opportunities or would like to learn what licensing, training, and qualifications may be needed to pursue a career as an insurance adjuster, please apply today and schedule a brief informational meeting with our team. If additional licensing or training is needed, MileHigh Adjusters Houston offers career-entry training programs designed to help qualified individuals prepare for the industry.
Independent Insurance Claims Adjuster in Gardendale, Alabama MileHigh Adjusters HoustonIndependent Insurance Claims Adjuster in Gardendale, AlabamaGardendale, AlabamaIf you are interested in roster opportunities or would like to learn what licensing, training, and qualifications may be needed to pursue a career as an insurance adjuster, please apply today and schedule a brief informational meeting with our team. If additional licensing or training is needed, MileHigh Adjusters Houston offers career-entry training programs designed to help qualified individuals prepare for the industry.
Independent Insurance Claims Adjuster in Pinson, Alabama MileHigh Adjusters HoustonIndependent Insurance Claims Adjuster in Pinson, AlabamaPinson, AlabamaIf you are interested in roster opportunities or would like to learn what licensing, training, and qualifications may be needed to pursue a career as an insurance adjuster, please apply today and schedule a brief informational meeting with our team. If additional licensing or training is needed, MileHigh Adjusters Houston offers career-entry training programs designed to help qualified individuals prepare for the industry.
Independent Insurance Claims Adjuster in Pelham, Alabama MileHigh Adjusters HoustonIndependent Insurance Claims Adjuster in Pelham, AlabamaPelham, AlabamaIf you are interested in roster opportunities or would like to learn what licensing, training, and qualifications may be needed to pursue a career as an insurance adjuster, please apply today and schedule a brief informational meeting with our team. If additional licensing or training is needed, MileHigh Adjusters Houston offers career-entry training programs designed to help qualified individuals prepare for the industry.
Independent Insurance Claims Adjuster in Helena, Alabama MileHigh Adjusters HoustonIndependent Insurance Claims Adjuster in Helena, AlabamaHelena, AlabamaIf you are interested in roster opportunities or would like to learn what licensing, training, and qualifications may be needed to pursue a career as an insurance adjuster, please apply today and schedule a brief informational meeting with our team. If additional licensing or training is needed, MileHigh Adjusters Houston offers career-entry training programs designed to help qualified individuals prepare for the industry.
Independent Insurance Claims Adjuster in Alabaster, Alabama MileHigh Adjusters HoustonIndependent Insurance Claims Adjuster in Alabaster, AlabamaAlabaster, AlabamaIf you are interested in roster opportunities or would like to learn what licensing, training, and qualifications may be needed to pursue a career as an insurance adjuster, please apply today and schedule a brief informational meeting with our team. If additional licensing or training is needed, MileHigh Adjusters Houston offers career-entry training programs designed to help qualified individuals prepare for the industry.
Independent Insurance Claims Adjuster in Mc Calla, Alabama MileHigh Adjusters HoustonIndependent Insurance Claims Adjuster in Mc Calla, AlabamaMc Calla, AlabamaIf you are interested in roster opportunities or would like to learn what licensing, training, and qualifications may be needed to pursue a career as an insurance adjuster, please apply today and schedule a brief informational meeting with our team. If additional licensing or training is needed, MileHigh Adjusters Houston offers career-entry training programs designed to help qualified individuals prepare for the industry.
NewAuto Claims Adjuster Allstate Insurance CompanyAuto Claims AdjusterAL$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.
Claims Adjuster - Workers Compensation Sedgwick Claims Management Services, Inc.Claims Adjuster - Workers CompensationALMental: Clear and conceptual thinking ability; excellent judgment, troubleshooting, problem solving, analysis, and discretion; ability to handle work-related stress; ability to handle multiple priorities simultaneously; and ability to meet deadlines. Manages workers compensation claims determining compensability and benefits due on long term indemnity claims, monitors reserve accuracy, and files necessary documentation with state agency.
Bodily Injury Claims Specialist Auto-Owners Insurance GroupBodily Injury Claims SpecialistBirmingham, ALThe position requires the person to: Assemble facts, determine coverage, evaluate the amount of loss, analyze legal liability, make payments in accordance with coverage, damage and liability determination, and perform other functions or duties to properly adjust the loss. Our group of caring associates create financial security by helping individuals and businesses make a new start when a loss occurs.
TEMP-Workers' Compensation Claims Adjuster Argo Group International Holdings IncTEMP-Workers' Compensation Claims AdjusterAL$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. Rockwood has become a leading underwriter of workers' compensation for the mining industry by offering workers' compensation insurance with a commitment to providing the best service on loss control and claims, collaborating across all departments with this common goal.
TEMP-Senior Workers' Compensation Claims Adjuster Argo Group International Holdings IncTEMP-Senior Workers' Compensation Claims AdjusterAL$48.65–$57.59 / 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. Essential Responsibilities: Working under limited technical direction and within broad limits and authority, adjudicate highly complex indemnity workers' compensation claims on assignments reflecting potentially with significant impact on departmental results.
Liability Senior Claims Adjuster Davies Group LtdLiability Senior Claims AdjusterAL$82,000–$86,000 / yearInteract extensively with various parties involved in the claim process, Develop settlement/litigation/defense strategies by evaluating factual information to settle claims in a cost-effective manner; work with defense attorneys and the client per account handling guidelines. Analyze claim exposures, determine the proper courses of action, and appropriately settle claims, evaluating evidence by interpreting facts within applicable legal frameworks to determine liability and claim values.
TEMP- Senior Workers' Compensation Claims Adjuster Argo Group International Holdings IncTEMP- Senior Workers' Compensation Claims AdjusterAL$48.65–$57.59 / 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. Essential Responsibilities: Working under limited technical direction and within broad limits and authority, adjudicate highly complex indemnity workers' compensation claims on assignments reflecting potentially with significant impact on departmental results.
Lost Time Workers Compensation Claims Adjuster Davies Group LtdLost Time Workers Compensation Claims AdjusterAL$70,000–$80,000 / yearManage and direct the claim file including determination of indemnity, calculate loss of income; whether medical is related and appropriate; evaluate treatment plan, testing, surgery, surveillance, attorney involvement, return-to-work, light duty; appropriate calculation and timely payment of all benefits. Davies North America, is looking for an experienced Workers' Compensation Claims Specialist, responsible for the investigation, evaluation, disposition, and settlement of Workers' Compensation claims for self-insured and public entity accounts, including complex and high exposure claims, with minimal supervision.
Claims Counsel Davies Group LtdClaims CounselAL$115,000–$135,000 / yearThis role manages and provides coverage and legal analysis on high-severity, technically complex claims, including but not limited to: Complex Casualty & High-Exposure Liability - Catastrophic injury, multi-party liability disputes, and claims involving significant financial exposure. The position serves as a key subject matter expert for coverage issues, advising internal teams and carriers on high-liability matters, regulatory exposures, and technically complex losses, ensuring claims are handled in accordance with applicable laws, regulations, and company guidelines.
NewProperty Adjuster Specialist - Field Claims USAAProperty Adjuster Specialist - Field ClaimsBirmingham, AL$69,920–$133,620 / yearThe mission of the association is to facilitate the financial security of its members, associates and their families through provision of a full range of highly competitive financial products and services; in so doing, USAA seeks to be the provider of choice for the military community. + Proactively manages assigned claims caseload comprised of complex damages that require commensurate knowledge and understanding of claims coverage including potential legal liability.
Insurance Claims Representative Alabama OncologyInsurance Claims RepresentativeBirmingham, ALReceives and resolves patient billing complaints and questions; initiates adjustments as necessary; follows up on all zero payment explanations of benefits and exercises all options to obtain claim payments. Summary: Under general supervision, an AR Account Follow-Up Specialist is responsible for account follow-up for all assigned accounts, resolving billing problems and answering patient inquiries.
Senior Claims Specialist W. R. Berkley CorpSenior Claims SpecialistBirmingham, ALThe actual salary for this position will be determined by a number of factors, including the scope, complexity and location of the role; the skills, education, training, credentials and experience of the candidate; and other conditions of employment. Manage all technical aspects of claims including coverage, disability benefit management, medical management, file management, litigation management, subrogation, reserving and settlement.
Claims Consultant Tata Consultancy Services LtdClaims ConsultantPinson, AL$48,000–$55,000 / yearResponsibilities: To provide Absence case management and claim adjudications, based on medical documentation and the applicable Disability/FMLA/Paid Family Leave interpretation, including determining benefits due and making timely payments and adjustments. Determines benefits due, makes timely claims payments/approvals and adjustments for Workers Compensation, State Short Term Disability, and other disability offsets.
NewAssociate Claims Specialist W. R. Berkley CorpAssociate Claims SpecialistBirmingham, AL$52,000–$58,000 / yearBerkley Industrial Comp (BIN) provides best-in-class workers compensation insurance solutions to high hazard industries. Handle all technical aspects of claims including coverage, medical management, file management, subrogation, reserving and settlement.
Patient Account Representative - Medical Billing and Claims Guidehouse IncPatient Account Representative - Medical Billing and ClaimsBirmingham, ALDuties may include but are not limited to; timely and accurately processing of overpayment requests, post contractual adjustments, write offs, or transfers accordingly to resolve credit balances, resubmits claims and supporting documentation as needed, and communicates with third party payers in response to overpayment requests and/or to obtain insurance hierarchy information. Note that Guidehouse will never charge a fee or require a money transfer at any stage of the recruitment process and does not collect fees from educational institutions for participation in a recruitment event.
Claims Associate - Workers Compensation | Med Only | Jurisdiction: NY and PA | Licensing: NY Licensing preferred Sedgwick Claims Management Services, Inc.Claims Associate - Workers Compensation | Med Only | Jurisdiction: NY and PA | Licensing: NY Licensing preferredAL$18.06–$22 / hourMental: Clear and conceptual thinking ability; excellent judgment, troubleshooting, problem solving, analysis, and discretion; ability to handle work-related stress; ability to handle multiple priorities simultaneously; and ability to meet deadlines. Sedgwick is building a diverse, equitable, and inclusive workplace and recognizes that each person possesses a unique combination of skills, knowledge, and experience.
NewAssociate Claims Specialist BerkleyAssociate Claims SpecialistHomewood, Alabama$52,000–$58,000 / yearBerkley Industrial Comp (BIN) provides best-in-class workers compensation insurance solutions to high hazard industries. Handle all technical aspects of claims including coverage, medical management, file management, subrogation, reserving and settlement.
Senior Claims Adjudicator NAPHCARE, INC.Senior Claims AdjudicatorBirmingham, ALResponsibilities for Senior Claim Adjudicator: Utilize claims processing experience and working knowledge of Medicare and Medicaid to effectively and efficiently process claims for payment while adhering to internal deadlines. We recognize that we serve a unique and diverse patient population, and our onsite teams take pride in bringing excellence in care to a population in great need.
Claims Examiner - Workers Compensation | Southeast Jurisdictions | Remote Sedgwick Claims Management Services, Inc.Claims Examiner - Workers Compensation | Southeast Jurisdictions | RemoteALRemotePRIMARY PURPOSE: To analyze complex or technically difficult water damage claims to determine benefits due; to work with high exposure claims involving litigation and rehabilitation; to ensure ongoing adjudication of claims within service expectations, industry best practices and specific client service requirements; and to identify subrogation of claims and negotiate settlements. Mental: Clear and conceptual thinking ability; excellent judgment, troubleshooting, problem solving, analysis, and discretion; ability to handle work-related stress; ability to handle multiple priorities simultaneously; and ability to meet deadlines.
Claims Training Coordinator Viva Health, Inc.Claims Training CoordinatorBirmingham, ALVIVA HEALTH has been recognized by Centers for Medicare & Medicaid Services (CMS) as a high-performing health plan and has been repeatedly ranked as one of the nations Best Places to Work by Modern Healthcare. The Claims Training Coordinator provides non-supervisory support to the claims trainer by assisting with the coordination, reinforcement, and documentation of training activities for claims examiners.
Claims Vendor Analyst Beazley plcClaims Vendor AnalystBirmingham, ALPersonal Specification: Education and Qualifications Degree in any discipline (preferred but not essential) Knowledge & Experience Excellent vendor management, negotiation, and relationship-building skills Strong analytical ability with experience producing MI, dashboards, and performance reports Experience of operating within formal governance structures and assurance frameworks Skills & Abilities Excellent written and verbal communication skills are essential for conveying complex information to various stakeholders Language skills (in addition to English) with a preference for Spanish, French and German. General It is important that within all your interactions both internally and externally you adhere to Beazley's core values - Being Bold, Striving for Better, and Doing the Right Thing - as they contribute to an internal environment of teamwork and promote a positive brand image and experience to our external customers.
Property & Casualty Insurance Claims Operations Consultant, Manager PricewaterhouseCoopers LLPProperty & Casualty Insurance Claims Operations Consultant, ManagerAL$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.
Workers Compensation Claims Coordinator Encompass Health CorpWorkers Compensation Claims CoordinatorBirmingham, ALWe collaborate and provide high-quality, compassionate, individualized care for our patients, allowing us time to get to know them and help them achieve their goals during their rehabilitation journey. Encompass Health is a trusted leader in post-acute care with over 150 nationwide locations and a team of 36,000 exceptional individuals and growing!
Claims Training Coordinator Viva HealthClaims Training CoordinatorBirmingham, AlabamaVIVA HEALTH has been recognized by Centers for Medicare & Medicaid Services (CMS) as a high-performing health plan and has been repeatedly ranked as one of the nation's Best Places to Work by Modern Healthcare. The Claims Training Coordinator provides non-supervisory support to the claims trainer by assisting with the coordination, reinforcement, and documentation of training activities for claims examiners.
Claims Team Lead, Auto Sedgwick Claims Management Services, Inc.Claims Team Lead, AutoALPRIMARY PURPOSE OF THE ROLE: To supervise the operation of multiple teams of examiners and technical staff for liability claims for clients; to monitor colleagues' workloads, provide training, and monitor individual claim activities; to provide technical/jurisdictional direction to examiner reports on claims adjudication; and to maintain a diary on claims in the teams including frequent diaries on complex or high exposure claims. Skills & knowledge: thorough knowledge of claims management processes and procedures for multiple product lines, excellent oral and written communication, including presentation skills, PC literate, including Microsoft Office products, leadership/management skills, analytical and interpretive skills, ability to work in a team environment, and the ability to meet or exceed Performance Competencies.
NewWorkers Compensation Claims Coordinator Encompass Health Rehabilitation Hospital of KatyWorkers Compensation Claims CoordinatorBirmingham, ALEncompass Health is a trusted leader in post-acute care with over 150 nationwide locations and a team of 36,000 exceptional individuals and growing! We collaborate and providehigh-quality, compassionate, individualized care for our patients, allowing us time to get to know them and help them achieve their goals during their rehabilitation journey.
Process Manager, Commercial Casualty Claims - Remote CSAA Insurance GroupProcess Manager, Commercial Casualty Claims - RemoteALRemote$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.
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 TimeALEpic 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.
Claim Counsel - D&O/Professional Liability Davies Group LtdClaim Counsel - D&O/Professional LiabilityAL$110,000–$135,000 / yearThis role serves as a key subject matter expert for coverage issues, advising internal teams and carriers on complex liability matters and ensuring claims are handled in accordance with applicable laws, regulations, and company guidelines. This role is well-suited for either an attorney with insurance coverage experience or a senior complex claims professional with deep expertise in policy interpretation and complex liability lines.
Claim Counsel - EPL/Professional Liability Davies Group LtdClaim Counsel - EPL/Professional LiabilityAL$110,000–$135,000 / yearThis role serves as a key subject matter expert for coverage issues, advising internal teams and carriers on complex liability matters and ensuring claims are handled in accordance with applicable laws, regulations, and company guidelines. Davies North America is looking for a candidate that will be responsible for managing and resolving high-severity, complex insurance claims with a strong emphasis on coverage analysis, policy interpretation, and strategic claim resolution.
Claim Counsel - Environmental / Professional Liability Davies Group LtdClaim Counsel - Environmental / Professional LiabilityAL$110,000–$135,000 / yearThis role serves as a key subject matter expert for coverage issues, advising internal teams and carriers on complex liability matters and ensuring claims are handled in accordance with applicable laws, environmental regulations, and company guidelines. Davies North America is looking for a candidate that will be responsible for managing and resolving high-severity, complex insurance claims with a strong emphasis on coverage analysis, policy interpretation, and strategic claim resolution.
Claim Counsel - Healthcare Professional Liability Davies Group LtdClaim Counsel - Healthcare Professional LiabilityAL$110,000–$135,000 / yearThis role serves as a key subject matter expert for healthcare liability coverage issues, advising internal teams and carriers on complex claims involving clinical care, facility operations, and regulatory exposures. The position focuses on Medical Malpractice and Healthcare Professional Liability claims, particularly within nursing homes, assisted living facilities, and allied healthcare programs, many of which are written as package policies that include both professional liability and general liability coverages.
Claim Specialist FCCI Insurance GroupClaim SpecialistBirmingham, AL$91,389–$140,737 / yearResponsibilities include maintaining an inventory of claims handled within departmental guidelines, following best practices policies and procedures and budgetary guidelines, field investigations, negotiating limited settlements, setting reserves, attending mediations, and documenting all file activity. At FCCI, it is the personal touch of our local presence and expertise, combined with the knowledge and relationships of our agency partners, that creates a winning combination which sets us apart.