Senior Claims Specialist (Liability)

Senior Claims Specialist (Liability) – Hybrid | Des Moines, IA Position Summary This position provides key support in the handling of claims across multiple lines of coverage, with a primary focus on Liability including Commercial Auto, Commercial Property, and General Liability . The role is responsible for assessing coverage, liability, legal, and damage issues , and for investigating, evaluating, negotiating, and resolving assigned claims in a timely manner in accordance with internal guidelines and applicable regulatory requirements. A high level of customer service is expected for both internal and external business partners. This position is eligible for a hybrid work schedule and requires business travel to office locations and customer sites. Primary Responsibilities Review, analyze, and interpret policy conditions, exclusions, and endorsements to resolve coverage and liability issues for assigned claims Prepare reservation of rights letters, nonwaiver agreements, and coverage disclaimers to address claim coverage issues Review and evaluate claim reserves to ensure reserves accurately reflect potential exposure Investigate claims to evaluate coverage and legal issues, including meeting with insureds and witnesses, obtaining statements, and securing records and other evidentiary materials Provide proper documentation and reporting of investigation and claims handling activities Negotiate, including through mediation, arbitration, and other court-supervised settlement efforts; settle and resolve claims with claimants, insureds, and attorneys; prepare appropriate resolution documents Maintain working knowledge of regulatory and jurisdictional requirements Provide direction to and manage defense counsel, independent adjusters, and other third parties retained for specific claims Perform other duties as assigned Qualifications Minimum of 5 years of experience in the following areas: Coverage review: interpreting policies, agreements, and disclaimers Claims investigation: statements, authorizations, retention of qualified experts and counsel Claims administration: reporting, reserve review, compliance knowledge of laws and procedures Claims settlement: disclaimer letters, releases, proof of loss statements; participation in legal proceedings when needed Additional requirements: Knowledge of coverage concepts, negligence principles, investigation methods, and negotiation techniques Ability to obtain and maintain state adjusting licenses as needed Service-oriented with the ability to deliver prompt, efficient, and effective claims and customer service Strong written and verbal communication skills with customers, claimants, counsel, and members of the public Ability to manage and organize multiple priorities simultaneously Excellent judgment, negotiation, and decision-making skills Ability to travel between off-site locations and occasionally overnight as needed Experience handling liability claims in one or more of the following states: IA, KS, NE, ND, MN, or WI Benefits Competitive salary and benefits Paid time off plus 12 paid holidays per year Health, dental, and vision insurance Company-paid life insurance (2x annual earnings) 401(k) savings and profit-sharing plan Education and training opportunities Insurance designations encouraged with financial assistance available Daily two-hour flexible start/end time for a 7.5-hour workday Employee fitness program #J-18808-Ljbffr