Claims Adjuster - General Liability

About the Role

This position involves independently investigating and managing a full caseload of Commercial General Liability (CGL) claims, including premises liability, slip and fall, product liability, construction defect, construction-related losses, and contractual liability exposures.

Responsibilities

• Drive timely claim resolution through proactive file management, strategic planning, and adherence to best practices in diary management and documentation.
• Analyze complex policy language, including insuring agreements, endorsements, exclusions (e.g., ongoing/completed operations, additional insured provisions), and limits to determine coverage applicability.
• Draft clear, defensible coverage position letters, including reservation of rights and denial letters, consistent with jurisdictional requirements and client expectations.
• Conduct comprehensive liability investigations, including:
  • Review and analysis of incident reports, contracts, lease agreements, and indemnification provisions
  • Identification and application of contractual risk transfer provisions
  • Obtaining and evaluating recorded statements, expert opinions, photographs, and surveillance
• Evaluate injury severity, medical treatment, and long-term exposure, including review of medical records, bills, and independent medical evaluations (IMEs) where applicable.
• Establish, maintain, and adjust reserves in accordance with claim developments and severity exposure.
• Manage litigated files, including the retention and direction of defense counsel.
• Provide strategic oversight on litigation plans, budgets, pleadings, discovery, and dispositive motions.
• Participate in mediations, settlement conferences, and trial preparation, ensuring alignment with client and organizational strategies.
• Negotiate settlements within delegated authority while balancing cost containment and risk exposure.
• Evaluate settlement value based on liability, damages, venue, and litigation risks, and escalate appropriately when exceeding authority.
• Identify, evaluate, and pursue risk transfer opportunities, including:
  • Additional insured tenders
  • Contractual indemnity provisions
  • Subrogation potential
• Coordinate with coverage counsel, carriers, and third parties to maximize recovery and proper allocation of liability.
• Maintain proactive, professional communication with insureds, claimants, brokers, clients, and internal stakeholders.
• Provide detailed status updates, large loss reports, and claim summaries tailored to client-specific reporting requirements.
• Maintain thorough, accurate, and timely file documentation to support claim decisions and audit readiness.
• Ensure compliance with applicable state regulations, client service instructions, and internal audit and quality standards.
• Participate in internal and external audits, file reviews, and continuous improvement initiatives.
• Support organizational quality initiatives, audit programs, and operational excellence efforts.
• Contribute to process improvement, knowledge sharing, and team development activities as needed.

Requirements

• Commercial General Liability (CGL) claims handling experience
• TX and FL licenses with reciprocals required
• NY and AZ licenses preferred
• AIC and/or CPCU designations preferred
• Two or more years of true commercial GL claims handling experience, with the ability to make coverage decisions and litigation experience

Benefits

• Healthcare Insurance: Eligible employees and their dependents receive healthcare coverage through BlueCross BlueShield of Illinois. Eligibility begins on the 1st day of the calendar month following 60 days of continuous full-time employment. Premiums are subsidized by Synectics.
• Dental Insurance: Eligible employees and their dependents receive a dental plan through MetLife. Eligibility begins on the 1st day of the calendar month following 60 days of continuous full-time employment.
• Vision Insurance: Eligible employees receive vision insurance through VSP. Eligibility begins on the 1st day of the calendar month following 60 days of continuous full-time employment.
• 401(k) Plan: Synectics offers all employees who are 21 years of age or older the opportunity to invest in the 401(k) Plan on the first of the month following at least 1 calendar year after employment begins.