Complex Claims Analyst

Reporting to the Unit Manager, this role focuses on direct handling of multi-line commercial claims including Auto, General Liability, and Construction Defect claims.

Responsibilities

• Investigate and evaluate coverage, liability, and damages issues for commercial insurance claims.
• Handle claim evaluation, establish or recommend adequate reserves, manage litigation, and resolve cases in alignment with the Company’s and Client’s Strategic Vision.
• Monitor, review, and coordinate activities involving multi-line commercial claims, including analysis of coverage issues, reserving, and claim resolution.
• Review loss notices; confirm and interpret policy coverages; establish adequate reserves; and investigate claims involving primary, umbrella, and excess policies.
• Ensure proper file setup, reserving, handling, and application of company procedures.
• Manage litigation with Preferred Counsel under Alternative Fee Arrangements or other defense fee structures.
• Pursue and maximize risk transfer opportunities by contract or insurance policy language.
• Assign and manage work of defense counsel, expert witnesses, and interface with peer carriers, including design and execution of defense and indemnity contracts.
• Evaluate liability and damages, and participate in settlement negotiations.
• Develop claims handling strategy, including defense coordination, litigation strategy, budgets, and expense control.
• Record claim information and report financial and statistical data to management.
• Maintain diary control, investigate, analyze, and report to ensure proper reserves reflect the company’s exposure.
• Report to the Reinsurance Department to assist in providing notice to reinsurers and recovering amounts when payment exceeds retention.
• Handle a large volume of diverse and dynamic claims effectively.
• Make empowered decisions within job description and authority; seek guidance where appropriate.
• Develop creative solutions to real-time business problems or opportunities; take calculated risks.
• Identify areas for growth and improvement, working with the team to implement process and technical enhancements.

Requirements

• Minimum of 2+ years’ experience in claims or a related field.
• Four-year college degree or equivalent work experience.

Schedule

Travel as required, based upon business needs.

Work Environment

This position operates in a professional, collaborative environment with competing demands, deadlines, and distractions. The role requires timely production of thorough, accurate work using standard office equipment such as phones, computers, copiers/printers, and filing cabinets. Noise level is moderate.