Claims Litigation Specialist, Coverage

About the Position

As a property and casualty Claims Litigation Specialist, Coverage, you will serve as Swyfft's technical resource for coverage analysis on our Homeowner and Commercial Property and General Liability claims portfolio (both litigated and non-litigated), including habitational risks, premises liability, and bodily injury matters. You'll be expected to handle coverage matters with empathy, curiosity, and creative problem-solving to achieve timely, fair outcomes, applying working knowledge of property and casualty coverage issues, including duty to defend versus duty to indemnify.

Key Responsibilities

• Ensure that all assigned coverage matters are resolved timely, reserved accurately, and handled fairly (and in compliance with state and company guidelines).
• Review litigated complaints for proper handling and develop coverage-related legal strategies with counsel.
• Work with multiple external/outside attorneys and provide direction related to coverage positions and legal strategy.
• Correspond and communicate with policyholders, agents, experts, and service providers to gather information needed for coverage analysis and decisions.
• Evaluate and apply the insurance contract as it pertains to coverage determinations.
• Create and maintain comprehensive claim handling notation in our electronic claims management system and other related applications.
• Review coverage on assigned claims and identify coverage positions, gaps, and issues, including duty to defend versus duty to indemnify considerations.
• Draft coverage denial letters and reservations of rights that are clear, well-supported, and legally sound.
• Communicate tender of defense and indemnification decisions to insureds, claimants, and defense/coverage counsel.
• Review and evaluate large to complex injury demands as they relate to coverage and reserving decisions.
• Monitor defense and coverage counsel on assigned matters for accurate, efficient handling, including cost containment and litigation management support.

The Successful Candidate

• You have a skilled technical background and hands-on experience handling coverage issues on property and casualty claims, including the duty to defend versus duty to indemnify.
• You’re a motivated, growth-oriented claims professional who cares deeply about the customer journey and sees each claim as a chance to innovate.
• You have proven ability to direct and oversee defense and coverage counsel, in order to establish legal strategies, ensure proper experts are retained, and assist in cost containment.
• You have experience drafting clear, well-reasoned coverage correspondence, including reservation of rights letters, coverage denial letters, and disclaimers.
• You both internal (your peers) and external clients commend your excellent communication skills and the timeliness of your follow-up skills.
• You communicate clearly, follow up promptly, and can bring calm (and a little humor) to stressful situations.
• You're detail-oriented, organized, and can multi-task like nothing anyone has ever seen before.
• You're a get the job done, self-starter that thrives in a fast-paced, team-oriented environment.
• You're committed to continued, self-driven learning and enjoy contributing ideas that help improve how claims and coverage are handled.

Requirements

• 5-7 years of experience handling coverage issues on property and casualty claims.
• 5-7 years of litigation experience in a multi-state environment.
• Experience drafting coverage correspondence (e.g., reservation of rights letters, coverage denial letters, disclaimers) is required.
• Relevant experience with habitational risks, premises liability, and bodily injury matters is a plus.
• Understanding basic legal strategies in conjunction with venue particularities.
• Experience directing or monitoring outside defense/coverage counsel on litigated matters is required.