General Liability Claims Adjuster

Role Overview

• Provide prompt, courteous and high-quality customer service to all policyholders and claimants by answering customer calls, filing claims, and resolving customer requests
• Gather necessary information from customers to initiate the claim and explain policy, coverage, and appropriate course of action
• Manage an inventory of claims, analyze coverage and identify any potential coverage issues.
• Establish initial reserves for all potential exposures, and adjust as appropriate throughout the claim
• Ability to handle all aspects of general liability claims not limited to but including Slip and Falls, Habitational, Risk Transfer, Construction, and New York Labor Law
• Ensure compliance with specific state regulations, policy provisions, and standard operating procedures
• Communicate with involved parties and negotiate appropriate settlements with claimants, insureds, and attorneys within approved payment authority
• Provide input for continuous development of claims guidelines, best practices, and process improvements
• Oversee and direct outside investigative service providers, client counsel and investigative services to resolve the claim while closely with the client.
• Engage in learning opportunities to build knowledge of personal lines claims, court decisions impacting the claims function, current guidelines in claims function, and policy changes and modifications

Requirements

• Bachelor's degree.
• JD, Professional insurance designations strongly preferred.
• Active adjuster license required: resident state license if available, otherwise a Designated Home State (DHS) license
• Minimum of 5 years of experience ideally with; General Liability (Premise, Habitational, Auto, Garagekeepers, BOP’s, Dwelling) Construction Liability.
• Construction Defect is a huge plus!
• Employers Liability.
• Liquor Liability/Dram Shop.
• Complex claims involving litigation.
• Policy interpretation.
• Drafting Reservation of Rights letters, coverage declinations.
• Third-party bodily injury.
• Third-party litigated bodily injury/property damage.
• Willing to obtain all licenses within 45 days, including completing state required testing
• Knowledge of state regulations, policy provisions, and standard operating procedures
• Ability to analyze and evaluate complex data and make sound decisions based on established guidelines, policies, and procedures
• Curious and motivated by problem solving and questioning the status quo
• Desire to engage in learning opportunities and continuous professional development
• Ability to collaborate with colleagues within and outside your department
• Willingness to travel for client and claims needs

Benefits

• Generous health-insurance package with nationwide coverage, vision, & dental
• 401(k) retirement plan with employer matching
• Competitive PTO policy – we want our employees fresh, healthy, happy, and energized!
• Generous family leave policy after 8 months of continuous work
• Work from anywhere to facilitate your work life balance
• Apple laptop, large second monitor, and other quality-of-life equipment you may want.
• Additionally, we will listen to your feedback to enhance and improve upon the long-standing challenges of an adjuster and the claims role
• Work toward reducing and eliminating all the administrative work from an adjuster role
• Foster a culture of empathy, transparency, and empowerment in a remote-first environment