Senior Claims Examiner – General Liability, Professional Lines

This is a fully remote position, open to applicants in Oklahoma, +2 more states.

📋 Description

• Oversee a portfolio of General Liability, Construction Defect, and Professional Liability claims from the initial notification of loss to resolution, encompassing both pre-litigation and litigated cases.

• Perform coverage assessments on new claims and issue timely, thoroughly documented coverage position letters.

• Accurately apply tower and stackable coverage frameworks.

• Investigate claims by collecting and evaluating contracts, certificates of insurance, site documentation, expert analyses, demand letters, and witness testimonies.

• Evaluate liability, assess damages, and establish precise, defensible reserves.

• Assign, guide, and manage external defense attorneys.

• Review litigation budgets, oversee defense strategies, approve legal expenses, and participate in mediations, settlement meetings, and depositions as necessary.

• Maintain reserves and document the rationale for reserve amounts; escalate any changes that exceed authority.

• Achieve file audit ratings of 90% or higher.

• Communicate with insured parties, brokers, and carriers regarding the status of claims, strategies, and significant developments.

• Prepare written status reports and present findings during client claim reviews.

• Ensure compliant documentation in the claims management system.

• Identify opportunities for subrogation, contribution, and recovery.

• Develop resolution strategies aimed at minimizing indemnity and expense exposure.

• Stay informed on pertinent liability laws and updates in multi-state regulations.

⛳️ Requirements

• 3–5 years of experience in commercial claims handling, specifically in General Liability, Construction Defect, and/or Professional Liability.

• Proven experience with tower (vertical) and stackable (layered) coverage structures.

• Strong ability to write clear, independent coverage position letters.

• Active multi-state adjuster license is required.

• Willingness to obtain additional state licenses as necessary; this is a condition of employment.

• Preference for candidates with a New York adjuster license.

• Previous experience with TPA or third-party claims administration is highly preferred.

• Familiarity with client-specific handling instructions and billing standards.

• Excellent written communication skills.

• Experience in directing external defense counsel, managing litigation budgets, and attending mediations and settlement discussions.

• Understanding of multi-state prompt payment, reservation of rights, and coverage dispute protocols.

• Capability to read and interpret legal documents, including complaints, contracts, certificates of insurance, expert reports, and deposition transcripts.

• Proficient in claims management systems and Microsoft Office Suite.

• Ability to work independently in a fully remote setting while managing multiple active cases.

• Bachelor’s degree in Business, Risk Management, Finance, or a related field; or an equivalent combination of education and experience.

🏝️ Benefits

• 401k with employee matching.

• Comprehensive Medical, Dental, Vision, Life, and Disability Insurance.

• Generous Paid Time Off (PTO).

• Paid Holidays.

• Paid Parental Leave.

• Paid Sick Leave.

• Opportunities for professional development.

• Emphasis on work-life balance and flexibility.

• Support for ongoing continuing education.