SIU Investigator

WHO WE ARE:

Harford Mutual Insurance Group is a growing, dynamic mutual insurance carrier providing commercial property and casualty insurance products and services to a regional market. Headquartered in Harford County, Maryland, Harford Mutual offers a positive, diverse, and inclusive work environment with a rich company culture. Founded in 1842 on the principles of mutuality, we believe in insuring opportunity through mutual success® for our policyholders, agents, communities, and employees, and invite our employees to continue that tradition with respect, integrity, exemplary service, and personal responsibility.

Listed within this posting is the anticipated salary range for this position, plus variable incentive compensation. The final salary offered to a successful candidate may vary and will be dependent on several factors that include, but are not limited to, your business experience, education, and individual capacity. Harford Mutual is a multi-state employer, and this salary range may not reflect positions that work in other states.

THE OPPORTUNITY:

Harford Mutual Insurance Group is expanding our Special Investigations Unit. We are looking to obtain an experienced SIU investigator who functions as a proactive, intelligence‑driven individual. Candidates will leverage advanced analytics and automation to address risk earlier in the claim lifecycle. Through streamlined operations and strategic partnerships, SIU drives measurable reductions in claim leakage, strengthens fraud prevention, and delivers meaningful financial and operational impact.

LOCATION:

Remote (Up to 50% travel: office/investigations)/Hybrid–MD Office (Up to 25% travel: investigations)

WHAT YOU’LL DO:

• Collaborate with all departments to assist with analytics, records review, social media, and database searches.
• Complete detailed, professional reports of research and findings.
• Conduct on-site surveillance and activities checks for small to high complexity exposures in all lines of business (Worker’s Compensation, Auto, Property, and General Liability)
• Conduct surveillance of subjects using various forms of technological tools
• Document activities observed in a detailed, professional investigative report.
• Make recommendations for further investigation when evidence of fraud is uncovered.
• Conduct special investigations, including but not limited to recorded statements, interviews, scene investigations/photos, interacting with law enforcement and other governmental agencies to secure and retrieve evidence.
• Assist in developing and training office personnel on fraud awareness.
• Perform other duties or special projects as required or as assigned by a supervisor.

WHAT YOU’LL BRING:

• Associates degree; Bachelor’s degree preferred
• 1-3 years of SIU experience with General Liability, Personal Injury, Worker’s Compensation, and/or Property Casualty areas.
• 1-3 years of claims industry, law enforcement and/or fraudulent claims surveillance experience.

BENEFITS:

• Health
• 401k w/ Match
• Education & Training
• Company Incentive Plan
• Paid Parental Leave
• Self-Managed PTO
• Hybrid Schedule

PHYSICAL DEMANDS & WORK ENVIRONMENTAL FACTORS:

The physical demands described above are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform essential functions.

EEO STATEMENT:

Harford Mutual Insurance Group provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state or local laws. This policy applies to all terms and conditions of employment, including recruiting, hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation and training.

Most new hires fall within this range and have the opportunity to earn more over time. Initial placement within the salary range, however, is based on an individual's relevant knowledge, skills and experience for the position.

Base salary is only one component of our competitive Total Rewards package. To learn more, please visit the Perks & Benefits on our website.