Claim Counsel – D&O/Professional Liability

This is a fully remote position, open to applicants in Alabama.

📋 Description

• Analyze and interpret insurance policies, endorsements, and relevant statutes to assess coverage, exclusions, and obligations.

• Prepare and distribute coverage position letters, including reservations of rights and denial letters, ensuring clarity and adherence to legal and regulatory standards.

• Assess and provide feedback on coverage forms and policy language as requested by carriers.

• Manage and conduct intricate claims investigations, including collecting evidence, reviewing reports, and evaluating liability and damages.

• Formulate and execute strategic plans for claim resolution, including supervising litigation when necessary.

• Offer carriers independent evaluations of claims based on investigation findings, experience, and insights from external experts and counsel.

• Assess exposure and make settlement suggestions, including establishing and managing reserves within carrier guidelines.

• Negotiate settlements within established authority limits, balancing legal risks, financial exposure, and business objectives.

• Engage in mediations and settlement conferences as needed.

• Ensure all claims handling adheres to Department of Insurance regulations and internal protocols.

• Maintain accurate and comprehensive documentation in the claims management system, including coverage analyses and strategic recommendations.

• Act as a trusted advisor to internal teams and carriers on coverage and complex claims matters.

• Serve as the key resource for coverage and strategy in interactions with external counsel, policyholders, and other stakeholders.

⛳️ Requirements

• Juris Doctor (JD) with an active bar membership in good standing, **or**

• 7–10+ years of senior-level experience managing complex liability claims.

• Adjusters licenses.

• Proven expertise in insurance coverage analysis and policy interpretation.

• Experience in issuing or advising on coverage positions, including reservations of rights and denials.

• Strong grasp of liability, damages, and litigation strategy.

• Outstanding analytical, negotiation, and communication abilities.

• Capacity to manage multiple high-severity, complex claims independently.

• Proficiency in claims management systems and related tools.

• Background in professional liability, directors & officers coverage, or other complex liability lines (preferred).

• Experience collaborating closely with coverage counsel or in-house legal teams (preferred).

• Previous involvement in excess, umbrella, or specialty claims environments (preferred).

🏝️ Benefits

• Medical, dental, and vision plans to support your health and that of your family.

• A 401(k) plan with employer matching.

• Time-off policies, including Discretionary Time Off (DTO) for exempt employees and Paid Time Off (PTO) for non-exempt employees.

• Paid holidays.

• Life insurance and short-term and long-term disability coverage.