Job Title: Sr. Litigation Specialist, General Liability Construction
Job Responsibilities:
- Investigate, evaluate, reserve, negotiate, and resolve assigned Specialty Liability Bodily Injury and Property Damage claims.
- Provide quality claim handling throughout the claim lifecycle, including customer contacts, coverage, investigation, evaluation, reserving, litigation management, negotiation, and resolution.
- Ensure full compliance with internal and external quality standards and state-specific regulations.
- Serve as a consulting and training resource and act as a contact and technical resource to the field and business partners.
- Handle assigned severity claims directly.
- Provide quality customer service and ensure timely coverage analysis and communication with insured based on policy information application to each case's facts or allegations.
- Consult with Manager on the use of Claim Coverage Counsel as needed.
- Investigate each claim through prompt and strategically appropriate contact with relevant parties such as policyholders, accounts, claimants, law enforcement agencies, witnesses, agents, medical providers, and technical experts to determine liability, damages, and contribution potential.
- Interview witnesses and stakeholders; take necessary statements as strategically appropriate.
- Engage in identifying, selecting, and directing appropriate internal and/or external resources for specific activities required to evaluate claims effectively, such as Subrogation, Risk Control, nurse consultants, and fire or fraud investigators.
- Verify the nature and extent of injury or property damage by obtaining and reviewing appropriate records and damage documentation.
- Maintain claim files and document claim file activities in accordance with established procedures.
- Utilize evaluation documentation tools in accordance with department guidelines.
- Create Claim File Analysis proactively for adherence to quality standards.
- Use a diary management system to ensure timely handling of all claims.
- Evaluate liability and damages exposure at required time intervals.
- Establish and maintain proper indemnity and expense reserves.
- Recommend appropriate cases for roundtable discussion.
- Attend and/or present at roundtables/authority discussions to collaborate on technical expertise, resulting in improved payout on indemnity and expense.
- Share experience and knowledge of creative resolution techniques to improve claim results.
- Apply the company’s claim quality management protocols and Best Practices to all claims; document the rationale for any departure from applicable protocols.
- Develop and employ creative resolution strategies.
- Responsible for the prompt and proper disposition of all claims within delegated authority.
- Negotiate disposition of claims with insureds and claimants or their legal representatives.
- Recognize and implement alternate means of resolution.
- Manage litigated claims by developing a litigation plan with staff or panel counsel, including discovery and legal expenses, to assure effective resolution and satisfy customers.
- Apply litigation management through the selection of counsel, evaluation, and direction of claim and litigation strategy.
- Track and control legal expenses to ensure cost-effective resolution.
- Effectively and efficiently manage both allocated and unallocated loss adjustment expenses.
- Perform other duties as assigned.
Education and Experience Information:
- Bachelor’s Degree preferred.
- Advanced knowledge in coverage, contract interpretation, liability and damages analysis, and a thorough understanding of the litigation process, relevant case and statutory law, and expert litigation management skills preferred.
- Extensive claim and/or legal experience and technical expertise to evaluate severe and complex claims preferred.
- Ability to make independent decisions on most assigned cases without the involvement of a supervisor preferred.
- Thorough understanding of business line products, policy language, exclusions, ISO forms, and effective claims handling practices preferred.
- Analytical Thinking, Judgment/Decision Making, Communication, Negotiation, and Insurance Contract Knowledge at an advanced level.
- Principles of Investigation, Value Determination, Settlement Techniques, and Legal Knowledge at an advanced level.
- Medical Knowledge at an intermediate level.
- High School Degree or GED required.
- 3 years of liability claim handling experience and/or comparable litigation claim experience.
- Acquisition and maintenance of Insurance License(s) may be required to comply with state and company requirements, generally within three months of starting the job.
Salary Information:
- The annual base salary range for this position is $91, – $151,, representing a nationwide market range.
- The actual salary for this position will be determined by factors including the role's scope, complexity, and location; the candidate's skills, education, training, credentials, and experience; and other employment conditions.
- Employees are eligible for performance-based cash incentive awards.
Additional Benefits:
- Health Insurance: Coverage from the first day of employment for employees and eligible family members, including spouses, domestic partners, and children.
- Retirement: 401(k) contributions matched dollar-for-dollar up to 5% of eligible pay, plus eligibility for a Pension Plan fully funded by the company.
- Paid Time Off: At least 20 days annually, plus nine paid company holidays.
- Wellness Program: Includes tools, discounts, resources, and access to free professional counseling services, health coaching, and other resources.
- Volunteer Encouragement: Matching Gift and Volunteer Rewards program to support charitable involvement.
