General Liability Claims Examiner

Job Description

About the Opportunity

Our client a respected Property & Casualty insurance organization is seeking an experienced General Liability Claims Examiner to join its growing Claims team. This position is ideal for a seasoned claims professional with extensive coverage knowledge and experience handling complex commercial general liability claims from inception through resolution.

The ideal candidate will have a strong background in drafting Reservation of Rights (ROR) letters conducting detailed coverage analysis and managing high-exposure liability claims involving premises liability construction products liability and liquor liability exposures.

Benefits :

• $80000 - $120000/year
• Target bonus based on company and personal performance
• Remote work-from-home flexibility

Qualifications:

• Bachelors degree preferred or equivalent claims experience.
• 4 years of commercial General Liability claims handling experience.
• Extensive experience handling complex casualty claims involving:
  • Premises Liability
  • Slip & Fall
  • Construction Defect / Construction Liability
  • Product Liability
  • Dram Shop / Liquor Liability
• Strong coverage analysis experience with the ability to interpret complex commercial insurance policies.
• Demonstrated experience drafting Reservation of Rights letters coverage position letters and denial letters.
• Experience managing litigated claims from assignment through resolution.
• Excellent negotiation analytical and investigative skills.
• Ability to evaluate liability and damages while making sound coverage decisions.
• Strong written and verbal communication skills.
• Proficiency using electronic claims management systems.

Responsibilities:

• Investigate evaluate negotiate and resolve complex General Liability claims in accordance with policy provisions and applicable laws.
• Analyze insurance policies to determine coverage identify potential coverage issues and communicate claim decisions effectively.
• Draft and issue Reservation of Rights letters coverage position letters denial letters and other coverage-related correspondence.
• Manage claims involving:
  • Slip & Fall
  • Premises Liability
  • Construction Liability
  • Product Liability
  • Dram Shop / Liquor Liability
• Conduct detailed liability investigations including witness interviews evidence review and analysis of medical records and legal documentation.
• Establish appropriate reserves and maintain accurate claim documentation throughout the life of each claim.
• Negotiate settlements within authority and collaborate with management on high-exposure matters.
• Retain and manage defense counsel coverage counsel independent adjusters and subject matter experts as needed.
• Develop litigation strategies in partnership with defense counsel while monitoring legal expenses and case progression.
• Ensure compliance with state regulations company guidelines and best claims handling practices.
• Maintain exceptional customer service while balancing the interests of policyholders claimants and business partners.

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