Senior Claims Consultant

ABOUT HUB INTERNATIONAL:

HUB International Limited (“HUB”) is one of the largest global insurance and employee benefits brokers, providing a broad array of property, casualty, risk management, life and health, employee benefits, investment and wealth management products and services. With over 21,000 employees in 600+ offices throughout North America, HUB has grown substantially, in part due to our industry leading success in Mergers and Acquisitions.

WHAT WE OFFER YOU:

At HUB we believe in investing in the future of our employees.  Our entrepreneurial culture fosters an environment of open feedback and improvement that empowers our people to make the best decisions for our customers and organization.  We offer:

• Competitive salaries and benefits offerings
• Medical/dental/vision insurance and voluntary insurance options
• Health Savings Account funding
• 401k matching program
• Company paid Life and Short-Term Disability Plans
• Supplemental Life and Long-Term Disability Options
• Comprehensive Wellness Program
• Paid Parental Leave
• Generous PTO Package - Vacation, Holiday, Sick, and Personal Time Off
• Great work/life balance, because that’s important for all of us!
• Focus on creating a meaningful environment through employee engagement events
• The ability to be a part of a motivated, winning team with the opportunity to learn from colleagues who are amongst the top talent in the industry!
• Growth potential - HUB is constantly growing and so can your career!
• A rewarding career that helps local businesses in the community
• Strong community support and involvement through HUB Gives

SUMMARY

The Senior Claims Consultant, in a client-facing role, applies their experience in providing interpretation of policy language, coverage analysis, advocacy, coverage and dispute resolution. Will act as a liaison between clients, adjusters, defense counsel, insurance companies, claims management and other related client services. Provides professional, courteous service to our clients, carrier representatives, underwriters, business partners, and HUB colleagues, resulting in outcomes that meet or exceed expectations. Provides a high level of claims support to Producers and Account Managers to support client retention and growth as appropriate and in accordance with standard practices, policies, and procedures. 

ESSENTIAL DUTIES AND RESPONSIBILITIES 

• Serve as the client’s primary advocate with carriers, adjusters, TPAs, and defense counsel throughout the life cycle of claims  

• Consultation with clients on claims issues 

• Review and recommend solutions to coverage, quantum and claim handling management issues 

• Negotiate with insurers, adjusters and defense counsel to expedite and obtain fair settlement of claims 

• Participate in sales presentations to prospective clients 

• Assist the client in preparing special claims servicing instructions, focusing on the client’s specific needs and taking into consideration the structure of their insurance programs 

• Review and comment on policy wording for account teams 

• Review of claims with clients/insurers/loss adjusters regularly 

• Work with clients to ensure efficient, prompt and smooth flow of claims handling and established processes are followed 

• Provide guidance to client as to claim process along with direction regarding likely outcome and timelines 

• Liaise with carriers and representatives throughout the claim process 

• Appropriately document conversations with clients and carrier representatives and updates all HUB computer systems and agency management systems when necessary 

• Ensure the accuracy of data in those systems 

• Answer basic coverage questions 

• Review and interpret policy language with the ability to propose coverage solutions in questionable/disputed situations 

• Accurate electronic filing of claims, as appropriate 

• Attend Critical Path, prospecting, stewardship and client meetings as requested, including participation in presentations 

• Works closely with Producers and other HUB personnel on claim matters for our clients, while adhering to HUB’s best practices and standard procedures 

• Stays abreast of changes in the insurance industry and other external conditions that may impact their clients 

• Travels on company business as required 

• Prepares reports for management as required 

• Attends industry related continuing education training and courses. 

• Performs other duties and projects as assigned 

Work Experience Requirements 

• 5+ years of commercial insurance claims experience, with a strong emphasis on client-side advocacy and carrier dispute resolution in an agency or broker firm 

• Demonstrated ability to challenge carrier coverage denials, reservation of rights letters, and adverse coverage positions across property, CGL, and specialty lines   

• Track record of achieving favorable coverage outcomes on complex claims through persistent advocacy, policy analysis, and strategic engagement with carriers and TPAs  

• Proven ability to work independently and collaboratively with a team 

• Strong analytical skills with the ability to identify coverage arguments, policy ambiguities, and contractual protections that support client recovery  

• Excellent oral & written communication skills, with the ability to clearly articulate coverage positions, challenge carrier arguments, and guide clients through complex claims  

• Proficiency with all MS Office Applications and claims management systems  

• Occasional travel 

Education Requirements 

• Bachelor’s Degree Preferred 

Licensing or Certification Requirements 

• Relevant Insurance licenses per state/regional statutes 

• Associate in Claims (AIC) or CPCU designation preferred