Ayr Farmers Mutual Insurance Company
Job Posting: Claims Representative – Accident Benefits

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Ayr Farmers Mutual Insurance Company is seeking a Claims Representative – Accident Benefits
About The Position
Claims Representative – Accident Benefits
Our Accident Benefits Claims Representatives provide specialized expertise and compassionate support to Policyholders navigating the aftermath of accidents. With deep knowledge of accident benefit coverage and regulations, as well as the liability landscape, they deliver thorough, efficient claim resolution while maintaining the highest standards of care and professionalism.
This position is ideal for a dedicated professional who finds purpose in helping others during critical moments and is committed to exceptional service. The successful candidate will excel in customer relations while demonstrating reliability and proactive communication, with a strong desire to create positive experiences and develop meaningful connections with Policyholders, community partners, and colleagues.
The role focuses primarily on accident benefit claims, managing complex cases from initial report through resolution. The position also offers some exposure to property, auto, farm, and liability claims to broaden insurance knowledge, while field work at loss locations and on-call coverage across business lines provides additional learning opportunities and professional development.
Positions available: 1
Hiring annual salary range: $70,000-$80,000
Why Choose Ayr Farmers Mutual?
- Together, we care for and support our members and communities to thrive.
- The opportunity to work with a reputable company that cares about our People, our Policyholders and the Communities we serve.
- We offer a supportive learning environment.
- We invest in your growth and celebrate your achievements.
- You'll be part of a company with 130+ years of stability and local roots.
- Make a real difference in your community while building a sustainable career.
- Competitive employer-matching Pension Plan.
- Employer-paid Group Healthcare Benefits Plan, including a Health Care Spending Account.
- We offer a hybrid working environment.
- Dress for your workday flexibility.
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Responsibilities
- Investigate accident benefit claims to determine validity and coverage, including prompt contact with insureds and providing required documentation
- Conduct comprehensive claim investigations through interviews, witness statements, and detailed documentation using electronic claims management systems
- Review and approve treatment plans for rehabilitation and coordinate insurer examinations
- Process benefit payments after confirming eligibility, coverage limits, and reserves
- Participate in dispute resolution processes and respond to claimant correspondence within legislative timeframes
- Participate in meditations and court proceedings, as required
- Conduct field inspections at loss locations while maintaining safety protocols
- Collaborate with third-party insurers, legal representatives, and medical professionals
- Support on-call coverage and gain exposure to property, auto, farm, and liability claims
- Monitor outstanding files and ensure settlements align with company practices
Skills & Experience
- Post-secondary education in a business or insurance-related program is preferred
- 5+ years of accident benefits claims adjusting experience is preferred
- Obtained or willing to work towards the Certified Insurance Professional (CIP) designation
- Proficiency with electronic claims management systems and technology
- Experience with dispute resolution processes including Licence Appeal Tribunal hearings
- Strong understanding of the Statutory Accident Benefits Schedule and applicable legislation
- Empathetic with a commitment to providing exceptional customer service
- Effective organizational and time management skills with proven capacity to prioritize responsibilities
- Strong interpersonal and communication skills with natural ability to build collaborative relationships
- Strong attention to detail and analytical skills
- Ability to work effectively in a dynamic, fast-paced environment
About Ayr Farmers Mutual
Ayr Farmers Mutual is a financially strong, Policyholder owned and progressive property and casualty mutual insurer with written premiums of over $60 million annually. We offer farm, residential, commercial, marine, and automobile protection, and coverage through a dedicated network of Agents and Brokers. We service the Southwestern Ontario region, and are located in close proximity to Kitchener, Waterloo and Cambridge.


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Since 1893, the knowledgeable and caring team members of Ayr Farmers Mutual have been providing products and services that provide protection and peace of mind for our Policyholders and the community. What makes us different is our commitment to providing outstanding, personalized customer service. We continually strive to put our Policyholders and our communities first, and to ensure that every individual we serve is treated with fairness and respect.
Ayr Farmers Mutual provides training, education, work life balance, wellness opportunities, community contributions and a fun and friendly working environment.
Our team is proud of our culture. We live by our core values and genuinely care for one another and our Policyholders. We celebrate our successes and have a supportive work environment that encourages everyone to be their best. Together, we care for and support our members and community to thrive!
Accommodation at Ayr Farmers Mutual Insurance Company
We are committed to a selection process and work environment that is inclusive and barrier free. Human Resources will work with the applicant and the selection committee to arrange reasonable and appropriate accommodation for the selection process which will enable you to be assessed in a fair and equitable manner.
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General Application Business Analyst Manager of Compliance & Customer Experience Loss Prevention and Building Maintenance Coordinator Claims Representative – Accident Benefits
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