Senior Multiline Claims Examiner

$80/hr

rate as listed

Workload: 20+ hrs/week
Engagement: Project-based
Location: US, CA, UK, AU, NZ, Ireland, MLT, Netherlands, Sweden, Denmark, Norway, Finland, Germany, Austria, Belgium
Field: Finance

Mercor is hiring experienced P&C claims professionals to build realistic claim-handling scenarios and grade AI model outputs against claims standards. Work is remote and project-based, with an observed rate around $800 per task and a 20-hour weekly minimum.

What the work actually involves

You'll be writing claims work the way you'd write it for a file that might be audited: coverage analyses, claim action plans, investigation requests, evaluation summaries, settlement recommendations, and insured or claimant correspondence. Some tasks ask you to construct the scenario from first notice of loss forward — the loss facts, the policy form, the ambiguities a real adjuster would have to resolve. Others hand you a model-generated response and ask you to grade it against a structured rubric on factual accuracy, policy application, claim-handling judgment, and procedural completeness, then explain your scoring in writing that a researcher with no insurance background can act on.

The failure modes you're hunting are specific: the model concludes coverage before verifying the policy was in force, values a roof without a scope or comparable pricing, drafts a reservation-of-rights letter that reads like a denial, misses the subrogation referral, or blends storm damage with long-term wear it should have excluded. Flagging those is the deliverable. Writing "golden" reference responses — what a competent examiner would actually have produced — is the other half.

What the screen looks for

Mercor's screening is AI-led and follow-up heavy. It probes whether your claims experience is hands-on rather than managerial-adjacent: which lines you've carried, what authority you held, how you documented reserves, how you handled a coverage question you weren't authorized to decide. Expect it to press on policy language specifics and on where you'd draw the line between routine adjudication and matters requiring coverage counsel, SIU, or regulatory escalation. Vague summaries of tenure score poorly; named forms, loss types, and dollar ranges score well.

Logistics

Fully remote and asynchronous, with onboarding office hours and periodic calibration sessions you're expected to attend
Minimum 20 hours per week; the platform states 40+ is preferred
Pay observed at $800 per task, not a guaranteed rate or salary; task volume varies by project phase
Rolling review, immediate start — carrier examiners, desk and field adjusters, TPA staff, and independents are all in scope

What they look for

2+ years hands-on P&C claims handling, adjusting, or examining
Independent claim ownership in at least one line (property, auto physical damage, BI, GL, commercial casualty, CAT, or specialty)
Reading and applying policy language — insuring agreements, exclusions, conditions — to disputed loss facts
Written claims analysis: coverage positions, evaluation summaries, settlement recommendations
Judgment on escalation thresholds (coverage counsel, SIU, litigation, regulatory)
AIC, CPCU, SCLA, or comparable designation; active or prior adjuster license

Included with this listing

Interview prep — 10 questions

Matched to what this platform's screening actually measures. Answer each out loud in 60–90 seconds: claim → concrete example → implication.

What it tests: Whether your experience is genuine file ownership or oversight of others' files, and how deep your exposure runs across multiline claims.
A strong answer: Name the lines, the typical severity range, your dollar authority, and who you escalated to above it — e.g. homeowners HO-3 losses to $50K with anything involving ordinance-or-law kicked to a coverage unit.
Where people lose it: Saying 'multiline P&C' without ever naming a policy form, a loss type, or an authority limit — the follow-up will ask, and unlabeled generalities read as supervisory distance from the file.

Summary, eligibility guidance and screening preparation are prepared by Sidequest from the platform's posting. Check the source listing before applying.

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