What are the responsibilities and job description for the Claims Examiner-Professional Lines position at USLI?
Key Responsibilities
- Coverage Evaluation: Review the first notice of loss and policy documentation to determine coverage; draft disclaimers and reservation of rights letters when appropriate.
- Claims Investigation: Conduct comprehensive investigations, including analysis of liability and damages, witness interviews, site inspections, and evidence gathering.
- Adjuster Oversight: Engage and direct independent adjusters while overseeing the full scope of the investigative process.
- Liability Assessment: Analyze legal statutes and case law to evaluate exposure and ensure equitable contribution from joint tortfeasors.
- Reserve Management: Maintain accurate reserves that reflect current assessments of liability and damages throughout the life of a claim.
- File Oversight: Manage claim files proactively; negotiate settlements with claimants or their attorneys, direct defense counsel, and drive effective litigation strategies.
- Comprehensive Reporting: Prepare detailed reserve authority requests, reinsurance and serious loss reports, and formal coverage position letters.
- Team Collaboration: Share insights and updates across underwriting, compliance, and actuarial teams to support sound product development and risk management.
What You’ll Bring
- Analytical Thinking: Strong investigative and problem-solving skills, particularly in evaluating liability and damages.
- Effective Communication: Clear and confident verbal and written communication, enabling productive interaction with all stakeholders.
- Negotiation Strength: Assertive and strategic negotiation skills, with the ability to resolve disputes effectively.
- Organizational Excellence: Exceptional time management and organizational skills to handle a dynamic caseload efficiently.
- Technical Acumen: Working knowledge of insurance coverage principles, negligence law, and claims-handling best practices.
Qualifications
- Experience:
- Minimum 2 years of relevant experience for Associate Claims Examiner
- Minimum 7 years of relevant experience for Claims Examiner
- Prior roles as a claims examiner, adjuster, paralegal, attorney, or in a similar capacity
- Preferred Expertise:
- Experience handling claims under Directors & Officers (D&O), Errors & Omissions (E&O), Cyber Liability, or other professional lines involving claims-made policies
- Additional Assets:
- Multi-jurisdictional claims experience
- Advanced degrees and/or Juris Doctor (JD) a plus
Job Type: Full-time
Expected hours: 35 per week
Benefits:
- 401(k)
- Dental insurance
- Health insurance
- Paid time off
- Referral program
- Vision insurance
Schedule:
- Monday to Friday
Work Location: In person
