General Liability Adjuster

General Liability Adjuster
Job Description

Primary Purpose
The Commercial General Liability (CGL) Claims Adjuster is responsible for the end-to-end handling of complex third‑party bodily injury and property damage claims arising under commercial general liability policies. This role requires advanced expertise in coverage analysis, liability determination, litigation management, and risk transfer, particularly across multi-jurisdictional and construction-related exposures. The adjuster is expected to proactively manage claim outcomes, control loss costs, and ensure compliance with client service standards, regulatory requirements, and internal quality expectations.

Essential Functions and Responsibilities

Claim Investigation & File Ownership

Independently investigate and manage a full caseload of CGL claims, including but not limited to premises liability, slip and fall, product liability, construction defect and construction-related losses, and contractual liability exposures.

Drive timely claim resolution through proactive file management, strategic planning, and adherence to best practices in diary management and documentation.

Coverage Analysis & Policy Interpretation

Analyze complex policy language, including insuring agreements, endorsements, exclusions (e.g., ongoing/completed operations, additional insured provisions), and limits to determine coverage applicability.

Draft clear, defensible coverage position letters, including reservation of rights and denial letters, consistent with jurisdictional requirements and client expectations.

Liability & Damages Evaluation

Conduct comprehensive liability investigations, including:

Review and analysis of incident reports, contracts, lease agreements, and indemnification provisions

Identification and application of contractual risk transfer provisions

Obtaining and evaluating recorded statements, expert opinions, photographs, and surveillance

Evaluate injury severity, medical treatment, and long‑term exposure, including review of medical records, bills, and independent medical evaluations (IMEs) where applicable.

Establish, maintain, and adjust reserves in accordance with claim developments and severity exposure.

Litigation Management

Manage litigated files, including the retention and direction of defense counsel.

Provide strategic oversight on litigation plans, budgets, pleadings, discovery, and dispositive motions.

Participate in mediations, settlement conferences, and trial preparation, ensuring alignment with client and organizational strategies.

Settlement & Negotiation

Negotiate settlements within delegated authority while balancing cost containment and risk exposure.

Evaluate settlement value based on liability, damages, venue, and litigation risks, and elevate appropriately when exceeding authority.

Risk Transfer & Subrogation

Identify, evaluate, and pursue risk transfer opportunities, including:

Additional insured tenders

Contractual indemnity provisions

Subrogation potential

Coordinate with coverage counsel, carriers, and third parties to maximize recovery and proper allocation of liability.

Client & Stakeholder Communication

Maintain proactive, professional communication with insureds, claimants, brokers, clients, and internal stakeholders.

Provide detailed status updates, large loss reports, and claim summaries tailored to client‑specific reporting requirements.

Documentation, Compliance & Quality

Maintain thorough, accurate, and timely file documentation to support claim decisions and audit readiness.

Ensure compliance with applicable state regulations, client service instructions, and internal audit and quality standards.

Participate in internal and external audits, file reviews, and continuous improvement initiatives.

Additional Functions and Responsibilities

Support organizational quality initiatives, audit programs, and operational excellence efforts.

Contribute to process improvement, knowledge sharing, and team development activities as needed.

Perform other duties as assigned.

Qualifications
Education & Licensing

Bachelor’s degree or equivalent work experience.

Adjuster licensing as required by jurisdiction(s) handled.

Experience

Minimum of 5+ years of commercial general liability claims handling experience required; experience with litigated and construction-related claims strongly preferred.

Skills & Knowledge

Strong understanding of CGL coverage, policy interpretation, and jurisdictional differences

Experience managing litigated claims and working with defense counsel

Knowledge of construction defect, additional insured coverage, and risk transfer strategies

Ability to assess liability, damages, and exposure in complex loss scenarios

Strong negotiation and settlement skills

Excellent written and verbal communication , including drafting coverage correspondence and client reports

Proficiency in claims systems and Microsoft Office applications

Demonstrated organization, attention to detail, and time management

Ability to work both independently and collaboratively in a fast-paced, team-driven environment

Proven ability to meet or exceed performance, quality, and compliance metrics

WORK ENVIRONMENT

Mental : Clear and conceptual thinking ability; excellent judgment, troubleshooting, problem solving, analysis, and discretion; ability to handle work-related stress; ability to handle multiple priorities simultaneously; and ability to meet deadlines.

Physical : Computer keyboarding, travel as required.

Auditory/Visual : Hearing, vision and talking.

As required by law, Sedgwick provides a reasonable range of compensation for roles that may be hired in jurisdictions requiring pay transparency in job postings. Actual compensation is influenced by a wide range of factors including but not limited to skill set, level of experience, and cost of specific location. For the jurisdiction noted in this job posting only, the range of starting pay for this role is ($88,000 - $120,000 USD annually). A comprehensive benefits package is offered including but not limited to medical, dental, vision, 401k and matching, PTO, disability and life insurance, employee assistance, flexible spending or health savings account, and other additional voluntary benefits.

Sedgwick is an Equal Opportunity Employer and a Drug-Free Workplace.

Legal EEO Statement
This position is open to all qualified individuals regardless of race, color, religion, sex, national origin, age, disability, veteran status, or any other protected status in accordance with applicable laws.

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