Sr. Commercial Liability Claim Representative - Diamond Bar, CA

Responsibilities

• Investigate, evaluate, reserve, negotiate and resolve assigned General Liability related Bodily Injury and Property Damage claims.
• Provide quality claim handling throughout the claim life cycle (customer contacts, coverage, investigation, evaluation, reserving, litigation management, negotiation and resolution) while maintaining compliance with internal/external quality standards and state‑specific regulations.
• Serve as a consulting and training resource and technical contact for field staff and business partners.
• Directly handle assigned severe claims.
• Provide quality customer service, ensure file quality, and conduct timely coverage analysis and communication with insureds based on policy application to facts or allegations.
• Consult with manager on use of Claim Coverage Counsel as needed.
• Investigate each claim through prompt, strategically‑appropriate contact with policyholders, accounts, claimants, law enforcement, witnesses, agents, medical providers, and technical experts to determine liability, damages, and contribution potential.
• Interview witnesses and stakeholders; take necessary statements as appropriate.
• Complete outside investigations as needed per case specifics.
• Identify, select, and direct appropriate internal/external resources (e.g., Subrogation, Risk Control, nurse consultants, fire/fraud investigators) for claim evaluation activities.
• Verify nature and extent of injury or property damage by obtaining and reviewing relevant records and damages documentation.
• Maintain claim files and document activities per established procedures.
• Utilize evaluation documentation tools per department guidelines.
• Proactively review Claim File Analysis (CFA) for quality standards and trend analysis.
• Use diary management system to ensure timely claim handling.
• At required intervals, evaluate liability and damages exposure.
• Establish and maintain proper indemnity and expense reserves.
• Recommend appropriate cases for roundtable discussion.
• Attend and/or present at roundtables/authority discussions to collaborate on technical expertise, improving payout on indemnity and expense.
• Share experience and knowledge of creative resolution techniques to improve claim results.
• Develop and employ creative resolution strategies.
• Promptly and properly disposition all claims within delegated authority.
• Negotiate claim disposition with insureds, claimants, or their legal representatives.
• Recognize and implement alternate means of resolution.
• Manage litigated claims: develop litigation plans with staff or panel counsel (including discovery and legal expenses), select counsel, evaluate and direct claim and litigation strategy, and track/control legal expenses for cost‑effective resolution.
• Effectively manage allocated and unallocated loss adjustment expenses.
• Attend depositions, mediations, arbitrations, pre‑trials, trials, and other legal proceedings as needed; update parties on new facts and their impact on liability analysis and settlement options.
• Recognize cases that should be transferred to another level of claim professional per severity/complexity protocols and refer timely.
• Appropriately handle personal and confidential information.
• Fulfill specific service commitments to certain accounts per Special Account Communication (SAC) instructions and respond to agent/broker inquiries.
• Represent the company as a technical resource at legal proceedings, acting within professional guidelines and applicable state laws.
• Provide mentoring and coaching to less‑experienced claim professionals to increase technical expertise and bench strength.
• Share accountability with business partners to achieve and sustain quality results.
• Evaluate all claims for recovery potential; directly handle recovery efforts or direct company resources for recovery.
• Acquire and maintain required insurance license(s) within three months of start and obtain ongoing continuing education credits as mandated.
• Perform other duties as assigned.

Requirements

• Minimum Education: High School/GED.
• Ideal candidate possesses a Bachelor’s Degree.
• 3 years of bodily injury liability claim handling and/or litigation experience.
• Skilled in coverage, contract interpretation, liability and damages analysis; thorough understanding of litigation process, relevant case and statutory law; expert litigation management skills.
• Extensive claim and/or legal experience with technical expertise to evaluate severe and complex claims.
• Able to make independent decisions on most assigned cases without supervisor involvement.
• Openness to ideas and expertise of others; actively solicits input and shares ideas.
• Thorough understanding of business line products, policy language, exclusions, ISO forms, and effective claims handling practices.
• Strong negotiation and customer service skills.
• Demonstrated coaching, influence, and persuasion skills (intermediate level).
• Strong written and verbal communication skills required to understand, synthesize, interpret, and convey complex data to varied audiences (intermediate level).
• Strong technology aptitude; ability to use business technology tools to research, track, and communicate information (intermediate level).
• Attention to detail ensuring accuracy (intermediate level).
• Job‑Specific Technical Competencies (levels indicated):
    • Analytical Thinking – Intermediate
    • Judgment/Decision Making – Intermediate
    • Communication – Intermediate
    • Negotiation – Intermediate
    • Insurance Contract Knowledge – Intermediate
    • Principles of Investigation – Intermediate
    • Value Determination – Intermediate
    • Settlement Techniques – Intermediate
    • Legal Knowledge – Basic
    • Medical Knowledge – Intermediate
• Must Have: Two years bodily injury liability claim handling experience or comparable litigation claim experience.
• Location: Diamond Bar, California.

Pay

The position is