Assistant Vice President, Personal Lines Claims

Role Overview

• Manage a high-volume portfolio of personal lines claims with an emphasis on high net worth and Private Client accounts, spanning Homeowners, Auto, Umbrella, Renters, Valuable Articles, Fine Art, Watercraft, and Excess Lines, advocating on behalf of individual and family clients from initial notice through resolution.
• Analyze carrier coverage positions, reservation of rights letters, and disclaimers; draft well-reasoned rebuttals and appeals grounded in policy language, applicable case law, and industry standards, with particular attention to personal lines coverage issues including concurrent causation, exclusion interpretation, and valuation disputes.
• Monitor claims activity, maintain up-to-date diary entries in Epic, and ensure timely follow-up on all open matters to drive claims toward the most favorable outcomes.
• Identify and escalate potential E&O exposure situations to management and the Office of General Counsel promptly and in accordance with internal protocols.
• Coordinate with carrier adjusters, independent appraisers, and public adjusters as appropriate to ensure claims are being handled in the client’s best interest, including oversight of appraisal and alternative dispute resolution processes where applicable.
• Serve as the primary claims contact for assigned clients, delivering the responsive, discreet, and highly personalized service that high net worth and Private Client policyholders expect, in a manner that reflects HUB’s commitment to best-in-class client advocacy.
• Build and maintain strong relationships with carrier claim managers and decision-makers at key partners.
• Participate actively in client claim reviews and renewal strategy meetings, providing detailed claims intelligence that supports the marketing and account teams in securing favorable terms for high net worth and Private Client policyholders, including participation in carrier stewardship meetings for key accounts.
• Guide high net worth and Private Client policyholders through the claims process with a high degree of empathy, discretion, and clear communication, ensuring they understand their rights, obligations, and available remedies under their policies, including appraisal rights, the claims appeal process, and options for managing large or complex losses involving multiple property locations or scheduled items.
• Collaborate effectively with Account Executives, producers, and internal departments to share claims insights, resolve issues, and strengthen overall client service delivery.
• Engage across practice groups to support matters that implicate multiple coverage lines, including coordination with Private Client and High Net Worth teams on complex personal lines accounts involving fine art, jewelry, watercraft, or secondary properties.
• Contribute to the claims dashboard, successful results log, and other management reporting tools on a consistent and timely basis.
• Participate in internal training initiatives and share educational opportunities and knowledge with team members.
• Mentor and support junior claims advocates, providing guidance on complex coverage situations, claim handling strategy, and professional development.
• Assist claims leadership with workflow management, new claim assignments, and operational improvements such as Smartsheet implementation and claims review standardization.
• Conduct claim file audits to ensure quality, accuracy, and compliance with HUB’s claims advocacy standards.
• Take initiative in leading team efforts on high-profile or sensitive matters, serving as a resource for the broader claims team on coverage questions and best practices.

Requirements

• Minimum of 7 years of progressive experience in personal lines insurance claims advocacy, claims adjusting, or a related coverage role within a brokerage or carrier environment.
• Strong knowledge of personal lines coverages, including the specialized policy forms offered by high net worth carriers, as well as standard Homeowners, Auto, Umbrella, Renters, Flood, Earthquake, and Valuable Articles policy forms.
• Demonstrated experience drafting coverage rebuttals, analyzing policy language, and challenging carrier disclaimers.
• Excellent written and verbal communication skills with the ability to convey complex coverage positions clearly to clients, carriers, and internal stakeholders.
• Strong organizational skills with the ability to manage a high-volume caseload, prioritize effectively, and meet deadlines in a fast-paced environment.
• Proficiency with claims management systems (e.g., Epic) and standard office productivity tools.
• Collaborative mindset with a proven ability to work effectively across departments and with diverse internal and external stakeholders.
• Professional designation such as CPRIA, AINS, ARM, CPCU, or equivalent.
• Experience handling high net worth or Private Client personal lines claims, including fine art, jewelry, watercraft, luxury vehicles, and high-value residential property, is strongly preferred and will be weighted heavily in candidate evaluation.
• Familiarity with flood and earthquake claims handling under NFIP and surplus lines policy forms.
• Familiarity with multi-jurisdictional claims handling in the Northeast region (NY, NJ, CT).

Benefits

• health/dental/vision/life/disability insurance
• FSA
• HSA and 401(k) accounts
• paid-time-off benefits such as vacation, sick, and personal days
• eligible bonuses, equity and commissions for some positions