Senior Complex Claim Representative – General Liability

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

📋 Description

• Review and interpret Commercial General Liability (CGL), non-trucking liability, and associated policies, including endorsements.

• Analyze coverage matters related to bodily injury, property damage, personal and advertising injury, and premises liability.

• Assess exposure across various program types, including off-dispatch vehicle usage, habitational premises risks, and activities involving pet care.

• Draft and send coverage position letters, incorporating reservations of rights and denials when necessary.

• Investigate and manage claims related to slip and fall incidents, premises liability, habitational exposures, transportation-related liability, and animal-related incidents.

• Collaborate with insureds, claimants, witnesses, experts, and legal counsel to assess liability, causation, and damages.

• Analyze and document exposures, including medical expenses, general damages, property damage, and liability risks.

• Develop and implement claim strategies aimed at achieving prompt and cost-effective resolutions.

• Evaluate exposure and suggest reserves based on analyses of liability and damages.

• Negotiate settlements within the scope of authority, considering legal exposure, financial factors, and client goals.

• Maintain precise and timely documentation of coverage analyses, claims activities, and strategic decisions within the claims management system.

• Act as a primary point of contact for clients, insureds, brokers, and defense counsel.

• Provide clear and concise updates on claim status, coverage, exposure, and resolution strategies.

• Work in conjunction with internal teams and program managers to identify trends and enhance program performance.

⛳️ Requirements

• 7–10+ years of experience managing General Liability claims.

• Active adjuster licenses with a commitment to obtain and maintain additional licenses as necessary.

• Strong background in handling bodily injury and property damage claims, particularly in premises liability.

• Proven ability to manage a diverse range of claim types across multiple programs.

• Experience in issuing or contributing to coverage positions, including reservations of rights.

• Excellent analytical, negotiation, and communication skills.

• Capability to independently manage a complete caseload of claims from initiation to resolution.

• Experience with non-trucking liability, commercial auto-related liability, or transportation exposures (preferred).

• Background in habitational claims, such as those related to apartments, rental properties, or multi-family risks (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 coverage for short-term and long-term disability.