Claims Consultant

Job-ID: 202606400Category: Claims ResolutionLocation: San Francisco, CA, United StatesSchedule: Full timePosted: 2026-10-13The Claims Consultant serves as the primary claims advisor for clients by providing strategic claims consulting, insurance coverage analysis, and claims advocacy across a broad spectrum of commercial insurance products.The Claims Consultant independently manages a diverse portfolio of commercial insurance claims, develops claim strategies, interprets insurance policies, advocates on behalf of clients, and partners with internal and external stakeholders to deliver exceptional claim outcomes. The Claims Consultant also supports junior team members while continuing to expand technical expertise and client relationships.Line of BusinessThis role supports consulting across a wide range of commercial insurance products, including Property, General Liability, Auto, Workers' Compensation, Professional Liability, Cyber, Management Liability, Crime, Executive Risk, Inland Marine, and other specialty coverages.Primary ResponsibilitiesClaims Consulting and Advocacy• Independently manage commercial insurance claims from initial assignment through resolution.• Provide strategic guidance to clients before, during, and after significant claim events to help minimize operational and financial impact.• Conduct comprehensive factual investigations, draft written coverage analyses and claim recommendations.• Draft claims notices in accordance with policy requirements. • Coordinate communications among insureds, carriers, adjusters, defense counsel, experts, and internal stakeholders. • Monitor claim activity and maintain proactive follow-up throughout the claim lifecycle. • Serve as the primary liaison between insureds and carriers. • Advocate for clients regarding claim handling, coverage, defense, settlements, vendor selection, allocation, and reimbursement issues. • Respond to reservation of rights letters and coverage positions.Insurance Coverage & Technical Consulting• Review and interpret commercial insurance policies, including standard and manuscript forms, and manage coverage situations involving layered programs, multiple policy years, deductibles, SIRs, allocation, and manuscript endorsements.• Prepare sophisticated written coverage analyses. • Recommend strategic notice approaches. • Negotiate with carriers regarding coverage and claim handling and negotiate favorable claim outcomes.Client Relationship Management• Build long-term relationships with clients and account teams. • Lead claim review meetings, as needed. • Assist with onboarding new clients and establishing claims handling protocols. • Understand client operations and risk management objectives.• Provide timely, professional communication throughout the claims process. • Identify emerging claim trends and provide recommendations.• Partner closely with Producers, Account Executives, Risk Advisors, and other internal stakeholders to deliver a seamless client experience.Business Development• Participate in Request for Proposal (RFP) responses and finalist presentations demonstrating Newfront’s claims consulting capabilities to prospective clients as needed. • Support client retention initiatives by delivering exceptional claims consulting services. • Identify opportunities to expand client relationships. Continuous Improvement & Leadership• Continue developing technical expertise across commercial insurance lines by participating in internal training and professional development• Mentor Associate Claims Consultants. • Assist Claims Administrators with technical guidance. • Assist with development of claims resources and best practices.• Recommend improvements to claims workflows, technology solutions, and operational processes to clients and the team. The successful candidate demonstrates expertise in the following areas:Technical Expertise• Strong knowledge of commercial insurance coverage and claims handling. • Ability to independently interpret policy language, conduct preliminary coverage analysis, and communicate that into practical, business focused recommendations. • Experience managing litigated, non-litigated, first and third-party claimsStrategic Thinking & Problem Solving• Ability to independently develop claim strategy, resolve challenging client situations and understand broader business implications• Exercises independent judgment but recognizes complex issues requiring senior involvement. • Strong critical thinking and analytical skills.Communication• Excellent written and verbal communication skills. • Strong analytical writing and legal reasoning abilities• Ability to explain complex insurance concepts clearly. • Strong presentations skills and ability to have professional interaction with clients, carriers, and counsel. Client Service Focus• Ability to build trusted relationships with clients and internal partners by demonstrating professionalism, responsiveness, and accountability.Qualifications• 5-8 years of commercial insurance claims, claims adjusting, coverage work, or related coverage experience. • Bachelor's degree required. • Equivalent insurance or business experience will be considered• Brokerage, carrier, TPA, or legal experience preferred.• Property & Casualty License required OR could willing to be obtained a license upon 90 days of hiring• Insurance designations such as CPCU, AIC, ARM, AINS, or similar designations encouraged.• Thrives in a fast-paced, collaborative environment • Possesses exceptional communication skills. • Possesses a strong client service mindset. • Enjoys working as part of a collaborative team.• Demonstrates intellectual curiosity and a commitment to continuous professional development.A successful Claims Consultant:• Is recognized as a technical expert in claims and a trusted advisor to clients• Can independently manage a diverse portfolio of sophisticated commercial claims. • Demonstrates intellectual curiosity and a commitment to continuous professional development.• Contributes meaningfully to client retention, new business development, and operational excellence. Compensation and BenefitsBase salary range and benefits information for this position are being included in accordance with requirements of various state/local pay transparency legislation. Please note that salaries may vary for different individuals in the same role based on several factors, including but not limited to location of the role, individual competencies, education/professional certifications, qualifications/experience, performance in the role and potential for revenue generation (Producer roles only).Compensation The base salary compensation range being offered for this role is $90,000.00 - $120,000.00 USD annually.This role is also eligible for an annual short-term incentive bonus.Employment-based non-immigrant visa sponsorship and/or assistance is not offered for this specific job opportunity. This position will remain posted for a minimum of three business days from the date posted or until a sufficient/appropriate candidate slate has been identifiedCompany BenefitsWTW provides a competitive benefit package which includes the following (eligibility requirements apply):Health and Welfare Benefits: Medical (including prescription coverage), Dental, Vision, Health Savings Account, Commuter Account, Health Care and Dependent Care Flexible Spending Accounts, Group Accident, Group Critical Illness, Life Insurance, AD&D, Group Legal, Identify Theft Protection, Wellbeing Program and Work/Life Resources (including Employee Assistance Program)Leave Benefits: Paid Holidays, Annual Paid Time Off (includes state/local paid leave where required), Short-Term Disability, Long-Term Disability, Other Leaves (e.g., Bereavement, FMLA, ADA, Jury Duty, Military Leave, and Parental and Adoption Leave), Paid Time Off (only included for Washington roles)Retirement Benefits: Qualified contributory pension plan (if eligible) and 401(k) plan with annual nonelective company contribution. Non-qualified retirement plans available to senior level colleagues who satisfy the plans’ eligibility requirements.Pursuant to the San Francisco Fair Chance Ordinance and Los Angeles County Fair Chance Ordinance for Employers, we will consider for employment qualified applicants with arrest and conviction records.At WTW, we trust you to know your work and the people, tools and environment you need to be successful. The majority of our colleagues work in a ”hybrid” style, with a mix of remote, in-person and in-office interactions dependent on the needs of the team, role and clients. Our flexibility is rooted in trust and “hybrid” is not a one-size-fits-all solution.We understand flexibility is key to supporting an inclusive and diverse workforce and so we encourage requests for all types of flexible working as well as location-based arrangements. Please speak to your recruiter to discuss more.EOE, including disability/vetsResponsibilities-