Senior General Liability Claims Examiner

About the Opportunity

Our client, a respected Property & Casualty insurance organization, is seeking an experienced Senior General Liability Claims Examiner to join its growing Claims team. This position is ideal for a seasoned claims professional with extensive coverage knowledge and experience handling complex commercial general liability claims from inception through resolution.

The ideal candidate will have a strong background in drafting Reservation of Rights (ROR) letters, conducting detailed coverage analysis, and managing high-exposure liability claims involving premises liability, construction, products liability, and liquor liability exposures.

Benefits:

• $110,000 - $140,000/year
• Target bonus based on company and personal performance
• Remote work-from-home flexibility

Qualifications:

• Bachelor's degree preferred or equivalent claims experience.
• 7+ years of commercial General Liability claims handling experience.
• Extensive experience handling complex casualty claims involving:
  • Premises Liability
  • Slip & Fall
  • Construction Defect / Construction Liability
  • Product Liability
  • Dram Shop / Liquor Liability
• Strong coverage analysis experience with the ability to interpret complex commercial insurance policies.
• Demonstrated experience drafting Reservation of Rights letters, coverage position letters, and denial letters.
• Experience managing litigated claims from assignment through resolution.
• Excellent negotiation, analytical, and investigative skills.
• Ability to evaluate liability and damages while making sound coverage decisions.
• Strong written and verbal communication skills.
• Proficiency using electronic claims management systems.

Responsibilities:

• Investigate, evaluate, negotiate, and resolve complex General Liability claims in accordance with policy provisions and applicable laws.
• Analyze insurance policies to determine coverage, identify potential coverage issues, and communicate claim decisions effectively.
• Draft and issue Reservation of Rights letters, coverage position letters, denial letters, and other coverage-related correspondence.
• Manage claims involving:
  • Slip & Fall
  • Premises Liability
  • Construction Liability
  • Product Liability
  • Dram Shop / Liquor Liability
• Conduct detailed liability investigations, including witness interviews, evidence review, and analysis of medical records and legal documentation.
• Establish appropriate reserves and maintain accurate claim documentation throughout the life of each claim.
• Negotiate settlements within authority and collaborate with management on high-exposure matters.
• Retain and manage defense counsel, coverage counsel, independent adjusters, and subject matter experts as needed.
• Develop litigation strategies in partnership with defense counsel while monitoring legal expenses and case progression.
• Ensure compliance with state regulations, company guidelines, and best claims handling practices.
• Maintain exceptional customer service while balancing the interests of policyholders, claimants, and business partners.

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