Senior Claims Specialist, Environmental Claims

About the Company

MSIG USA is the US-based subsidiary of MS&AD Insurance Group Holdings, Inc., one of the world’s top P&C carriers and a global Class 15 insurer, with A+ ratings and a reach that spans 40+ countries and regions. Leveraging a 350-year heritage, MSIG USA brings financial strength, expertise, and a global footprint to offer commercial insurance solutions that address unique business risks.

Responsibilities

• Manage a portfolio of complex environmental and toxic tort claims, including long-tail exposures.
• Oversee claims from intake through resolution, ensuring timely and thorough handling.
• Conduct detailed investigations, including liability, damages, and exposure analysis.
• Coordinate with external counsel, consultants, and experts on technical environmental matters.
• Analyze and interpret policy language to determine coverage applicability.
• Draft clear, well-supported coverage position letters (including reservations of rights and disclaimers).
• Evaluate coverage issues related to environmental exposures, bodily injury, and property damage claims.
• Develop and implement strategic claim resolution plans, including litigation and settlement approaches.
• Manage litigation in partnership with outside counsel, including strategy direction and budget oversight.
• Negotiate settlements and drive claims toward efficient, cost-effective resolution.
• Provide negotiation directives and authority recommendations aligned with company guidelines.
• Prepare and deliver presentations to senior management on significant claims, exposures, and trends.
• Provide clear recommendations on reserves, litigation strategy, and settlement positions.
• Maintain accurate and timely claim documentation and reporting.
• Partner with underwriting, legal, and risk teams to analyze emerging risks and coverage issues.
• Ensure compliance with regulatory requirements and internal claims handling standards.
• Contribute to continuous improvement of claims processes and best practices.

Requirements

• Minimum 7+ years of experience handling environmental, toxic tort, or complex liability claims.
• Demonstrated experience managing long-tail claims from intake through final resolution.
• Strong background in coverage analysis and policy interpretation.
• Juris Doctor (JD) strongly preferred.
• Bachelor’s degree required.

Skills

• In-depth knowledge of environmental law, toxic tort litigation, and liability frameworks.
• Proven ability to draft coverage-level communications and legal correspondence.
• Experience managing outside counsel and litigation strategy.
• Strong negotiation skills with a track record of achieving favorable claim outcomes.

Pay

The estimated salary range for this position is $150,000.00 - $190,000.00 per year. Actual salary within this range will consider a candidate’s relevant experience, location, and other job-related factors.

Benefits

• Comprehensive medical, dental, and vision coverage.
• 401(k) with a generous employer match and profit-sharing contribution.
• Wellness incentive program.
• Life and accidental death and dismemberment (AD&D) insurance.
• Flexible spending programs.
• Short-term and long-term disability plans.
• Paid time off program.
• Paid charitable leave.
• Paid parental leave.
• Tuition reimbursement program.
• Personal insurance (auto/homeowners) discounts.