General Liability Adjuster

About the role

Join Sedgwick, a company dedicated to providing meaningful support to individuals and organizations worldwide. Our 33,000 colleagues strive to make a difference every day. At Sedgwick, we believe in fostering a caring culture and offering work-life balance. We offer a variety of opportunities for growth and advancement.

Responsibilities

• Independently investigate and manage a full caseload of CGL claims, including premises liability, slip and fall, product liability, construction defect and construction-related losses, and contractual liability exposures.
• 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, 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 reviewing incident reports, contracts, lease agreements, and indemnification provisions; identifying and applying contractual risk transfer provisions; obtaining and evaluating recorded statements, expert opinions, photographs, and surveillance; evaluating injury severity, medical treatment, and long-term exposure; and reviewing medical records, bills, and 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; providing strategic oversight on litigation plans, budgets, pleadings, discovery, and dispositive motions; participating 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; evaluating settlement value based on liability, damages, venue, and litigation risks; and escalating appropriately when exceeding authority.
• Identify, evaluate, and pursue risk transfer opportunities, including additional insured tenders, contractual indemnity provisions, and subrogation potential; coordinating 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; providing 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; ensuring compliance with applicable state regulations, client service instructions, and internal audit and quality standards; participating in internal and external audits, file reviews, and continuous improvement initiatives.
• Support organizational quality initiatives, audit programs, and operational excellence efforts; contributing to process improvement, knowledge sharing, and team development activities as needed.
• Perform other duties as assigned.

Qualifications

• Bachelor’s degree or equivalent work experience.
• Adjuster licensing as required by jurisdiction(s) handled.
• Minimum of 5+ years of commercial general liability claims handling experience required; experience with litigated and construction-related claims strongly preferred.
• Strong understanding of CGL coverage, policy interpretation, and jurisdictional differences.
• Experience managing litigated claims and working with defense counsel.
• Knowledge of construction defect, additional insured coverage, and risk transfer strategies.
• Ability to assess liability, damages, and exposure in complex loss scenarios.
• Strong negotiation and settlement skills.
• Excellent written and verbal communication, including drafting coverage correspondence and client reports.
• Proficiency in claims systems and Microsoft Office applications.
• Demonstrated organization, attention to detail, and time management.
• Ability to work both independently and collaboratively in a fast-paced, team-driven environment.
• Proven ability to meet or exceed performance, quality, and compliance metrics.