Claim Counsel – Environmental, Professional Liability

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

📋 Description

• Assess and interpret Environmental/Pollution Liability, Professional Liability (E&O), and associated policies, including manuscript forms and endorsements.

• Investigate coverage matters such as pollution conditions, the distinction between gradual and sudden releases, remediation expenses, third-party bodily injury and property damage, as well as professional services exposures.

• Review the relevance of exclusions, known conditions, prior acts, and allocation matters between covered and uncovered losses.

• Draft and distribute coverage position letters, which include reservations of rights and denial letters.

• Offer insights on policy forms, language, and emerging issues related to environmental coverage.

• Manage complex claims that involve site contamination, environmental cleanups, regulatory actions, natural resource damages, and errors or omissions in professional services.

• Collaborate with environmental consultants, engineers, remediation specialists, and legal representatives to assess liability, causation, and damages.

• Evaluate exposures related to remediation costs, business interruptions, bodily injuries, property damage, and long-tail environmental liabilities.

• Formulate and execute strategic approaches for claim resolution, including the management of litigation and regulatory procedures.

• Provide carriers with independent, well-reasoned claim assessments backed by expert analysis and investigation results.

• Assess exposure and suggest settlement recommendations, including intricate cost allocation among remediation, defense, and indemnity components.

• Establish and oversee reserves that reflect long-tail and evolving environmental exposures.

• Negotiate settlements and engage in mediations, regulatory discussions, and multi-party resolutions.

• Ensure all claims handling adheres to Department of Insurance regulations and relevant environmental regulatory frameworks.

• Keep comprehensive documentation of coverage analyses, remediation strategies, and regulatory developments within the claims management system.

• Act as a trusted advisor to internal teams and carriers concerning environmental and professional liability coverage issues and trends.

• Function as the main point of contact with coverage counsel, environmental consultants, defense attorneys, insured parties, brokers, and regulatory bodies.

• Deliver clear reports to carriers, covering coverage analysis, exposure assessments, and updates on remediation strategies.

⛳️ Requirements

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

• 7–10+ years of senior-level experience in managing Environmental Liability, Pollution Liability, Professional Liability, or similar intricate claims.

• Active adjuster licenses and a commitment to obtain and sustain additional licenses as required.

• Proven expertise in coverage analysis and policy interpretation for environmental and/or professional liability lines.

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

• Strong comprehension of environmental exposures, remediation processes, and associated damages.

• Capability to evaluate long-tail claims, allocation challenges, and multi-party liability situations.

• Exceptional analytical, negotiation, and communication abilities.

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

• Proficiency in claims management systems and related tools.

🏝️ 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