Position: Claims Adjuster - General Liability
Duration: 03 months of contract with possible extension or conversion
Location: 100% Remote role.
Required skills, certifications, and licenses:
- Commercial General Liability (CGL) claims handling experience
- TX and FL licenses with reciprocals required
- NY and AZ licenses preferred
- AIC and/or CPCU designations preferred
We are seeking adjusters with true commercial GL claims handling experience, preferably two or more years, who can make coverage decisions and have litigation experience.
Job Description:
Essential Functions and Responsibilities:
Claim Investigation & File Ownership
- Independently investigate and manage a full caseload of CGL claims, including but not limited to premises liability, slip and fall, product liability, construction defect and construction-related losses, and contractual liability exposures.
- Drive timely claim resolution through proactive file management, strategic planning, and adherence to best practices in diary management and documentation.
Coverage Analysis & Policy Interpretation
- Analyze complex policy language, including insuring agreements, endorsements, exclusions (e.g., ongoing/completed operations, additional insured provisions), and limits to determine coverage applicability.
- Draft clear, defensible coverage position letters, including reservation of rights and denial letters, consistent with jurisdictional requirements and client expectations.
Liability & Damages Evaluation
- Conduct comprehensive liability investigations, including:
- Review and analysis of incident reports, contracts, lease agreements, and indemnification provisions
- Identification and application of contractual risk transfer provisions
- Obtaining and evaluating recorded statements, expert opinions, photographs, and surveillance
- Evaluate injury severity, medical treatment, and long-term exposure, including review of medical records, bills, and independent medical evaluations (IMEs) where applicable.
- Establish, maintain, and adjust reserves in accordance with claim developments and severity exposure.
Litigation Management
- Manage litigated files, including the retention and direction of defense counsel.
- Provide strategic oversight on litigation plans, budgets, pleadings, discovery, and dispositive motions.
- Participate in mediations, settlement conferences, and trial preparation, ensuring alignment with client and organizational strategies.
Settlement & Negotiation
- Negotiate settlements within delegated authority while balancing cost containment and risk exposure.
- Evaluate settlement value based on liability, damages, venue, and litigation risks, and escalate appropriately when exceeding authority.
Risk Transfer & Subrogation
- Identify, evaluate, and pursue risk transfer opportunities, including:
- Additional insured tenders
- Contractual indemnity provisions
- Subrogation potential
- Coordinate with coverage counsel, carriers, and third parties to maximize recovery and proper allocation of liability.
Client & Stakeholder Communication
- Maintain proactive, professional communication with insureds, claimants, brokers, clients, and internal stakeholders.
- Provide detailed status updates, large loss reports, and claim summaries tailored to client-specific reporting requirements.
Documentation, Compliance & Quality
- Maintain thorough, accurate, and timely file documentation to support claim decisions and audit readiness.
- Ensure compliance with applicable state regulations, client service instructions, and internal audit and quality standards.
- Participate in internal and external audits, file reviews, and continuous improvement initiatives.
Additional Functions and Responsibilities
- Support organizational quality initiatives, audit programs, and operational excellence efforts.
- Contribute to process improvement, knowledge sharing, and team development activities as needed.
- Perform other duties as assigned.
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