Claims Consultant

Claims Consultant -Life Sciences or Cyber/Technology E&O (Hybrid) Our employees are at the heart of what we do: helping people, businesses and society prosper in good times and be resilient in bad times. When you join our team, you are bringing this purpose to life alongside a passionate community. Feel empowered to learn and grow while being valued for who you are. At Intact, we commit to supporting you in reaching your goals with tools, opportunities, and flexibility. It’s our promise to you. Who we are At Intact Insurance Specialty Solutions, we are experts at what we do in protecting what makes businesses unique. Our deep understanding of the specialty insurance market is the foundation for our customized solutions, backed by targeted risk control and claims services. Our employees are passionate about providing insurance coverage that’s aligned to our targeted customer groups. Intact’s Global Specialty Lines business spans across more than 20 verticals in four distinct markets: U.S., Canada, UK and Europe. The following opportunity is for our U.S. team. The opportunity We currently have an opportunity for a Claim Consultant to join our Life Sciences or Cyber/Technology E&O team based in our New York City, NY; Chicago, IL; Plymouth, MN, Boston, MA; Canton, MA; Englewood, CO or Irvine, CA office on a hybrid schedule. We are seeking a highly experienced specialty claims professional capable of independently managing complex, high-exposure claims with limited supervision. This role requires a trusted technical resource who can investigate, evaluate, resolve, and strategically manage sophisticated claims while providing thoughtful coverage analysis and business-oriented recommendations. Some of the Claim Consultant responsibilities include but are not limited to: Candidate Profile A – Life Sciences A senior claims professional with significant experience handling complex pharmaceutical, biotechnology, medical device, healthcare, and life sciences claims, including: Significant bodily injury, catastrophic injury, and wrongful death claims. Product liability litigation involving pharmaceutical, biotechnology, medical device, diagnostic, and other life sciences products. Matters involving multiple defendants, complex causation issues, and high-exposure litigation. In addition to product liability experience, the ideal candidate will possess substantial experience handling Life Sciences Errors & Omissions and Professional Liability claims , including: Contract Research Organization (CRO) professional liability claims. Clinical trial-related claims and allegations arising from clinical research activities. Claims involving protocol development, trial administration, data management, regulatory compliance, site selection, and monitoring activities. Professional liability claims involving contract manufacturing organizations (CMOs), contract development and manufacturing organizations (CDMOs), laboratories, testing facilities, consultants, and other life sciences service providers. Claims involving alleged errors, omissions, negligent professional services, and failures to perform pursuant to contractual or regulatory obligations. The successful candidate must have a strong understanding of Life Sciences E&O coverage and be capable of independently evaluating complex professional liability exposures that frequently arise within the life sciences industry. This includes the ability to analyze coverage issues, evaluate liability and damages, identify key coverage defenses, and formulate well-supported coverage positions under specialty life sciences insurance policies. Special consideration will be given to candidates who have personally litigated life sciences matters as attorneys and possess firsthand experience developing litigation strategy, managing scientific and expert evidence, conducting depositions, participating in trial preparation, and evaluating product liability and professional liability exposures from both the litigation and insurance claims perspectives. Candidate Profile B – Cyber & Technology E&O Significant experience handling primary cyber liability and Technology Errors & Omissions claims, including ransomware, privacy, network security, regulatory investigations, technology implementation failures, professional services disputes, and other high-exposure technology claims. Strong familiarity with the cyber insurance marketplace and key industry participants is preferred. The ideal candidate will possess substantial Technology Errors & Omissions claims experience and a deep understanding of E&O coverage, including the ability to analyze complex professional liability exposures, contractual liability issues, performance disputes, and technology-related loss scenarios. The candidate must be capable of independently evaluating coverage issues, formulating coverage positions, and clearly articulating those positions both verbally and in writing to insureds, brokers, underwriters, defense counsel, and senior management. The successful candidate will also have significant experience working with outside coverage counsel, including directing coverage investigations, evaluating coverage opinions, developing coverage strategy, and managing complex or contested coverage matters through resolution. Experience drafting and reviewing reservation of rights letters, coverage position letters, excess position letters, and declination letters is required. Core Technical Requirements Ability to independently interpret specialty insurance policies, identify coverage issues, formulate coverage positions, draft reservation of rights and declination letters, evaluate exposure, establish reserves, manage litigation, and clearly articulate coverage positions verbally and in writing. Claim Investigation, Evaluation & Resolution Manage complex claims from notice through resolution Conduct investigations regarding liability, damages, causation and coverage Develop claim strategies and negotiate settlements Establish and adjust reserves based on evolving exposure Coverage Analysis & Policy Interpretation Review and analyze specialty insurance policies Identify coverage issues and prepare coverage correspondence Address allocation, additional insured and other insurance issues Litigation Management Direct defense counsel and litigation strategy Manage experts, consultants and vendors Evaluate pleadings, motions, expert reports and mediation positions Participate in mediations, trials and arbitrations Maintain timely diary management and file documentation Prepare large loss reporting, claim summaries and reserve recommendations Present significant claims to leadership when appropriate Collaboration & Technical Leadership Mentor less experienced claim professionals Collaborate with underwriting, legal, actuarial, brokers and insureds Promote technical excellence and consistency Performance Expectations Operate with minimal oversight Demonstrate ownership and accountability Proactively identify issues and drive matters to resolution The expertise you bring Juris Doctor (J.D.) required 7+ years specialized claims handling experience Experience in Life Sciences or Cyber/Technology E&O Expertise analyzing specialty policy coverage Strong written and verbal communication skills Ability to independently manage complex claims Our salary ranges are determined by many factors including location, role, experience and skillset of the candidate. The following ranges displayed reflect the target base salary for new hires; however, your recruiter will provide more specific compensation details during the hiring process. The typical base salary range for this position is: $123,000 – $163,000, based on the factors aforementioned. For candidates located in San Francisco, CA; Washington DC; our Massachusetts based offices and the New York City metro area, the base salary range is $143,000 -$167,000. In addition to base salary, full time Intact employees are also eligible for bonus potential and a full range of benefits to include: Comprehensive medical, dental and vision insurance with no waiting period Competitive paid time off programs 401(k) savings and annual contributions of up to 12% of annual salary Mental health support programs, life and disability insurance, paid parental leave and a variety of additional voluntary benefits. This position will remain posted until a final candidate is selected. Once the role is filled, this job posting will be removed. Why choose Intact We live our Values: We are committed to acting with the highest of ethical standards through our five core values: integrity, respect, customer driven, excellence and social responsibility. Our commitment to Diversity: Founded in our values, we see diversity as a strength and aspire to create an environment where everyone can be themselves, grow and succeed. Together, we will stand up for what’s right to build an inclusive society. Manage your Time: What you accomplish matters more than hours in the office. We are committed to creating a positive and supportive environment in which you perform your best. Our Time-Off and Flexible Work Arrangement options help foster a healthy work-life balance. Check out our Glassdoor reviews to see why people love working for Intact! Our promise to you Our Values are foundational to our success at Intact. You’ll make a difference every day when you live our Values, do your best work, are open to change, and invest in yourself. In return, we promise you support, opportunities and performance-led financial rewards in a flexible work environment where you can: Shape the future: Help us lead an insurance transformation to better protect people, businesses and society. Win as a team: Collaborate with inspiring people to do your best work every day and together, stand up for what is right. Grow with us: Refresh and reinvent your skills, learn from our diverse teams, lift others up, and grow. About Intact At Intact Insurance Specialty Solutions we are experts at what we do. Our deep understanding of the specialty insurance market is the foundation for our customized solutions, backed by targeted risk control and claims services. Our employees are passionate about providing insurance coverage that’s aligned to our targeted customer groups. Today, we help protect over a dozen industries with tailored coverages and services. #LI-US #LI-DA1 #LI-HYBRID Equal Opportunity Employer This employer is required to notify all applicants of their rights pursuant to federal employment laws.For further information, please review the Know Your Rights notice from the Department of Labor. #J-18808-Ljbffr