Commercial Liability Claim Adjuster

Job description

**This position is listed on behalf of a partner company, which manages all applications and next steps. Our partner is looking for a Commercial Liability Claim Adjuster based in the United States.** The Commercial Liability Claim Adjuster will manage and resolve complex commercial general liability and property claims, including high-exposure and litigated cases. This role requires strong investigative, analytical, and negotiation skills to evaluate coverage, liability, damages, and settlement options while protecting clients' financial interests. You will work closely with policyholders, attorneys, defense counsel, contractors, public adjusters, and internal stakeholders throughout the claims lifecycle. The position offers the opportunity to handle challenging cases, influence litigation strategies, and negotiate effective resolutions in a professional insurance services environment. You will oversee reserves, authorize payments within established limits, and prepare detailed claim status updates and large-loss reports. This is a fully remote, full-time opportunity for an experienced claims professional who values independent decision-making, sound judgment, and exceptional client service. ### Accountabilities - **Complex Claims Management:** Investigate, evaluate, manage, and resolve complex commercial general liability and property claims, including high-exposure and litigated matters, from initial assessment through final settlement or closure. - **Coverage and Liability Analysis:** Interpret routine and complex insurance policy contracts, assess coverage issues, determine liability, evaluate damages, and apply relevant legal principles to establish appropriate claim strategies. - **Negotiation and Settlement:** Negotiate settlements involving substantial financial exposure with contractors, public adjusters, attorneys, and other parties while balancing fair claim resolution with the protection of client interests. - **Litigation Management:** Direct and monitor defense counsel handling litigated claims, establish appropriate litigation strategies, communicate settlement objectives and monetary authority, and attend mediations and settlement conferences as required. - **Reserve and Payment Oversight:** Establish, review, and maintain accurate claim reserves, authorize payments within assigned authority, and ensure financial decisions align with claim exposure and applicable procedures. - **Reporting and Client Communication:** Prepare clear, comprehensive claim status updates and large-loss reports. Communicate claim developments, exposure assessments, settlement strategies, and material changes promptly to managers, clients, and other relevant stakeholders. - **Legal and Regulatory Compliance:** Maintain current knowledge of applicable case law, statutory requirements, insurance department regulations, and claims handling standards within the assigned jurisdiction. - **Claims Portfolio Management:** Maintain effective pending and closure ratios, organize a diverse caseload, prioritize competing responsibilities, and meet critical deadlines while ensuring accurate documentation and consistent follow-through. - **Risk Assessment and Decision-Making:** Apply sound analytical judgment to identify exposure, evaluate evidence, anticipate potential outcomes, and recommend appropriate resolution strategies. - **Professional Collaboration:** Build productive relationships with internal teams and external stakeholders, handle sensitive information discreetly, and contribute to broader claims management objectives and additional responsibilities as assigned. ## Requirements - **Relevant Professional Experience:** Demonstrated experience adjusting commercial general liability and property claims, particularly complex, high-exposure, and litigated matters. Experience with construction defects, New York Labor Law claims, or medical malpractice is an advantage. - **Claims Investigation and Evaluation:** Strong expertise in investigating claims, analyzing policy coverage, evaluating liability and damages, determining exposure, and developing effective settlement strategies. - **Policy Interpretation:** Ability to interpret complex insurance contracts and apply relevant coverage provisions, exclusions, and conditions to real-world claims scenarios. - **Litigation and Negotiation Skills:** Experience working with defense counsel, managing litigated claims, participating in mediations and settlement conferences, and negotiating settlements involving significant financial exposure. - **Financial and Reserve Management:** Ability to establish and maintain appropriate reserves, assess potential claim costs, manage payments within delegated authority, and prepare detailed large-loss reports. - **Legal and Regulatory Knowledge:** Familiarity with applicable case law, statutory requirements, insurance regulations, and claims handling practices relevant to the assigned territory. - **Communication and Reporting:** Excellent written and verbal communication skills, with the ability to explain complex claim issues clearly and professionally to clients, attorneys, managers, and other stakeholders. - **Analytical and Problem-Solving Abilities:** Strong critical thinking, investigative, and decision-making skills, with the ability to evaluate competing evidence, identify risks, and determine appropriate claim outcomes. - **Organization and Time Management:** Exceptional organizational skills, attention to detail, and the ability to manage multiple complex claims, maintain accurate records, and meet demanding deadlines. - **Autonomy and Accountability:** A proactive, dependable, and self-directed approach, with the ability to work independently under minimal supervision while consistently following through on commitments. - **Collaboration and Interpersonal Skills:** A strong team-oriented mindset and the ability to establish effective working relationships with people at all organizational levels. - **Confidentiality and Professionalism:** Sound judgment when handling sensitive or confidential information, along with discretion and professionalism in challenging claim situations. - **Remote Work Readiness:** Ability to maintain dependable attendance, remain available during established working hours, and perform responsibilities effectively in a fully remote environment. ## Benefits - **Competitive Compensation:** Annual salary ranging from **$80,000 to $93,000**, depending on experience, qualifications, skills, and geographic location. - **Remote Work Flexibility:** Fully remote work arrangement within the United States. - **Healthcare Coverage:** Medical, dental, and vision insurance plans to support employees and their families. - **Retirement Savings:** 401(k) retirement plan with employer matching. - **Paid Time Off:** Discretionary Time Off (DTO) for eligible exempt employees or Paid Time Off (PTO) for eligible non-exempt employees. - **Paid Holidays:** Paid holiday benefits. - **Life and Disability Insurance:** Life insurance and short-term and long-term disability coverage. - **Additional Statutory Benefits:** Paid sick leave, family and parental leave, and other legally required benefits where applicable, in accordance with relevant state and local laws. - **Inclusive Work Environment:** A workplace that values diversity, encourages different perspectives, and promotes collaboration and professional respect. - **Professional Development:** The opportunity to strengthen expertise in complex claims management, litigation oversight, commercial liability, and insurance risk assessment.