At Gore Mutual, we've always set ourselves apart as a modern mutual that does good. Now, we're proudly building on that legacy to transform our company—and our industry—for the better.

Effective January 1, 2026, Gore has joined Beneva—the country's largest mutual insurance company—as part of its Property & Casualty operations in Ontario and Western Canada. During 2026, Gore will combine its operations with Unica Insurance, Beneva's Ontario-based subsidiary specializing in niche commercial and personal insurance, creating a stronger, more diversified mutual insurer with greater scale and long-term stability.

Every decision and investment remains anchored in long-term benefits to customers, members, and communities. Come join us.

The Recovery Adjuster is responsible for handling Recovery files of small to moderate severity and complexity, for all lines of business including Auto, Property, Commercial and Liability files. The adjuster will be responsible for investigating, reviewing, evaluating, negotiating and settling Recovery files for all business lines.

The adjuster will be expected to demonstrate strong judgment and analytical skills in order to maximize recovery results and provide superior customer service while adhering to Gore Mutual's internal policy and procedures while ensuring accurate reserving is in place and the anticipated Subrogation recovery is updated accordingly in the file. Files may be pursued through inter-company arbitration or litigation.

In addition to maximizing recoveries, the adjuster will also manage and guide their files on controlling expenses by ensuring accuracy and consistency in invoices received and paid accordingly.

What you will do:

HANDLE LOW TO MODERATE COMPLEXITY RECOVERY FILES:

• Review, investigate and assess new claims as they are referred and ensure that required expert vendors are involved in a timely manner.
• Ensure that responsible parties are placed on notice and send the Demand and Subrogation documents to the responsible parties.
• Engage legal counsel as soon as the need is identified and when appropriate.
• Ensure that legal limitation dates are protected where we intend to pursue recovery or are still investigating, while also ensuring our clients are kept apprised of recovery efforts.
• This role will also require that they prepare detailed reports for the Recovery Team Leader or Specialist for settlement authority requests and abandonment requests.

ATTEND SETTLEMENT CONFERENCES, MEDIATIONS, PRE-TRIALS, TRIALS:

• Attend settlement conferences, mediation, pre-trials, and trials as required with our legal counsel.
• Provide settlement instructions to legal counsel in pro-active efforts to resolve files in a timely manner using Alternative Dispute Resolution such as mediation/arbitration when possible.
• Prepare files for pre-arbitration officer for inter-company arbitration process and attend hearings when possible and where pre-arbitration does not resolve the matter.

PROVIDE DIRECTION TO CLAIMS HANDLERS ON RECOGNITION AND SUPPORT FOR RECOVERY:

• Collaborate with and provide direction to front line staff based on the claim circumstances around what evidence is required to enhance our chances of a successful recovery.
• Ensure evidence is secured and/or retained and that the initial subrogation investigation is addressed.

CONTROL RECOVERY EXPENSES:

• Review all invoices received for accuracy and legitimacy, issue payment accordingly.
• Obtain budgets from recovery vendors prior to engaging their services to ensure it makes economic sense to pursue the recovery.
• Ensure the expense of investigating and pursuing the recovery claim is not more than 35% of the value of the potential recovery amount.

NEGOTIATE SETTLEMENT OF RECOVERY FILES:

• Negotiate directly with responsible parties, their insurers or other representatives to arrive at the highest possible settlement amount, in a timely manner.

• Ensure releases are properly worded before signing on behalf of Gore Mutual and that the Insured's interests and Gore's interests are protected.

• Ensure that Recovery payments are received within a timely manner and the insured's deductible is reimbursed accordingly if applicable.

What you need to Succeed:

• College or University degree preferred
• 1-3 years Auto Claims, Property Claims, or Casualty Claims experience required
• 1-3 years of Subrogation experience preferred
• CIP designation or in-progress preferred

Hybrid: We are a hybrid company and work 2 days per week in-office. This role has the flexibility to attend either our Cambridge or Toronto office, with one day per quarter required in our Cambridge office.

The expected base salary range for this position is $52,500 - $86,500. Depending on your relevant experience, skills, qualifications, market conditions and business needs, base compensation may vary. You have the potential to earn more through Gore Mutual's discretionary bonus program which gives you an opportunity to increase your total compensation, provided the business meets its performance targets and you meet your individual goals.

Please note: This range reflects the expected base salary for this role but may not represent the full compensation range for all experience and skill levels. During the recruitment process, we will discuss and consider how your unique qualifications align with the broader range for this position.

Gore Mutual is proud to offer a comprehensive total rewards package which includes extended health and dental benefits, disability insurance, retirement plan matching, paid time off, recognition and perk programs.

This posting pertains to an existing vacancy that is actively being filled.

Accessibility for applicants

Gore Mutual Insurance Company is committed to providing accommodations for people with disabilities during all phases of the recruiting process, including the application process.

If you require accommodation because of a disability, we will work with you to meet your needs. Contact us and a human resources representative will consult with you to determine an appropriate accommodation.

Should you request an accommodation during the interview process, please notify your Talent Acquisition Consultant.