Multi-Line Claims Adjuster

Multi-Line Claims Adjuster

Classification: Exempt

Pay Type: Salary

Reports to: Claims Manager

Summary/Objective

Global Guardian Services, LLC (GGS), a national third-party claims administration company, is seeking an experienced Multi-Line Claims Adjuster to join our team.

The ideal candidate will have a strong background handling a variety of commercial insurance claims, including General Liability (GL), Property Damage (PD), Bodily Injury (BI), Commercial Auto/Trucking, Habitational Liability, and Construction Defect (CD) .

This position is responsible for managing claims from initial assignment through resolution, including investigation, coverage review, liability and damage evaluations, reserve management, settlement negotiations, and litigation oversight.

The successful candidate must be comfortable handling complex claims across multiple lines of business, working independently, and communicating effectively with clients, insureds, attorneys, claimants, and other involved parties.

Key Responsibilities

Multi-Line Claims Management

• Manage a diverse caseload involving GL, PD, BI, commercial trucking, habitational liability, and construction defect claims.
• Handle claims from initial notice of loss through investigation, evaluation, negotiation, and final resolution.
• Manage both non-litigated and litigated claims, including complex and high-exposure losses.

Claims Investigation and Evaluation

• Conduct thorough investigations to determine coverage, liability, damages, and potential exposure.
• Review accident reports, witness statements, medical records, repair estimates, contracts, expert reports, and other relevant documentation.
• Evaluate bodily injury claims, property damage, premises liability, construction-related losses, and commercial auto accidents.
• Identify potential coverage issues, comparative negligence, subrogation opportunities, and other factors affecting claim resolution.

Litigation Management

• Oversee litigated claims and coordinate with defense counsel to develop effective litigation and settlement strategies.
• Review legal pleadings, discovery, expert findings, litigation budgets, and defense counsel reports.
• Monitor litigation deadlines, legal expenses, and overall claim exposure.
• Participate in mediations, settlement conferences, and litigation strategy discussions as needed.

Reserves and Settlement Negotiations

• Establish and maintain accurate claim reserves based on liability, damages, and anticipated exposure.
• Prepare claim evaluations, large loss reports, and settlement authority recommendations.
• Negotiate settlements with claimants, attorneys, and other parties within established authority.
• Identify opportunities for early resolution while protecting client interests.

Client Communication and Reporting

• Maintain regular communication with clients, insureds, brokers, attorneys, and claimants.
• Provide timely claim status updates, evaluations, and recommendations.
• Ensure compliance with client-specific handling instructions, reporting requirements, and established service standards.
• Escalate significant losses, coverage concerns, litigation developments, and authority requests to management.

Documentation and Compliance

• Maintain accurate, organized, and well-documented claim files.
• Ensure timely claim handling and compliance with applicable state regulations and client requirements.
• Manage diary activities, follow-up tasks, and claim reporting deadlines.
• Follow GGS claims handling procedures and quality standards.

Required Skills & Experience

Multi-Line Claims Experience

• Proven experience handling commercial insurance claims involving multiple lines of business.
• Strong working knowledge of General Liability, Bodily Injury, Property Damage, and Commercial Auto/Trucking claims.
• Experience with Habitational Liability, Premises Liability, and Construction Defect claims is highly desirable.
• Experience managing litigated claims and working with defense counsel.

Technical Claims Knowledge

• Strong understanding of insurance coverage, liability investigation, damage evaluation, reserving, and settlement negotiations.
• Familiarity with litigation procedures, comparative negligence, and applicable state claims regulations.
• Ability to evaluate complex bodily injury claims, medical documentation, and property damage estimates.

Communication and Negotiation

• Excellent written and verbal communication skills.
• Strong negotiation skills and the ability to resolve claims professionally and efficiently.
• Ability to communicate effectively with clients, insureds, attorneys, and claimants.

Organization and Independent Judgment

• Ability to manage a high-volume, multi-line caseload while meeting deadlines and maintaining quality standards.
• Strong analytical, problem-solving, and decision-making skills.
• Ability to work independently with minimal supervision and recognize when management escalation is necessary.

Technical Proficiency

• Proficiency in Microsoft Word, Outlook, and Excel.
• Experience working with electronic claims management systems.
• Ability to prepare professional claim evaluations, reports, and correspondence.

Preferred Qualifications

• Minimum of 5 years of commercial claims handling experience, preferably in a multi-line or third-party administrator (TPA) environment.
• Experience handling both litigated and non-litigated commercial liability claims.
• Experience with commercial trucking, premises liability, habitational risks, and construction defect claims.
• Familiarity with large loss reporting, reserve analysis, litigation management, and settlement authority requests.
• Active adjuster licenses in applicable jurisdictions, or the ability to obtain required licenses.
• Experience handling claims across multiple states.

Ideal Candidate

GGS is looking for a well-rounded, hands-on claims professional who can confidently manage multiple lines of business.

• The ideal candidate is an experienced adjuster who understands both the technical and practical aspects of claims handling, can identify potential exposures early, effectively manage defense counsel, and work toward timely, cost-effective resolutions.