What are the responsibilities and job description for the Professional Lines Claims Examiner position at USLI?
About Us: At USLI, we’re not just about insurance — we are committed to making a difference, both internally and externally. Our community is built upon five values: Caring, Attitude, Respect, Empathy and Energy. Our commitment to these values leads us to make better decisions and furthers our true sense of community. By joining our team, you'll be part of a vibrant organization that values innovation, collaboration, and growth. Here, you’ll have the opportunity to shape the future of insurance and make a meaningful impact.
Your Role: You’ll play a critical role in evaluating coverage, liability, and damages for each unique claim. You’ll collaborate across teams and with external stakeholders to effectively investigate, negotiate, and resolve claims.
Key Responsibilities:
- Coverage Assessment: Review the first notice of loss and policy details to confirm coverage; draft disclaimers and reservation of rights letters as needed.
- Comprehensive Investigations: Conduct in-depth claim investigations, including liability and damage evaluations, witness interviews, scene inspections, and evidence collection.
- Independent Adjuster Coordination: Engage and provide direction to independent adjusters while overseeing all aspects of the investigation process.
- Liability Evaluation: Apply statutory and case law to assess liability exposure and ensure joint tortfeasors contribute their fair share.
- Reserve Management: Maintain accurate reserves that reflect evolving liability and damage assessments throughout the claim lifecycle.
- Claims Handling & Litigation Management: Proactively manage claim files, negotiate settlements with claimants or attorneys, oversee defense counsel, and ensure effective litigation strategies.
- Detailed Reporting: Prepare reserve authority requests, reinsurance reports, serious loss reports, and coverage position letters with precision.
- Cross-Functional Collaboration: Work closely with underwriting, compliance, and actuarial teams to support product integrity and risk management.
What You’ll Bring:
- Analytical Problem-Solving: Strong ability to assess liability and damages with a keen eye for detail.
- Effective Communication: Excellent verbal and written communication skills for engaging with internal and external stakeholders.
- Strategic Negotiation Skills: Assertive decision-making with a focus on negotiation and conflict resolution.
- Organizational Excellence: Ability to manage multiple claims efficiently while maintaining accuracy and thorough documentation.
- Industry Expertise: Strong understanding of insurance coverage, negligence law, and claim evaluation processes.
Qualifications:
- Experience Requirements:
- 2 years of relevant experience for Associate Claims Examiner
- 7 years of relevant experience for Claims Examiner
- Industry Background: Prior experience as an examiner, adjuster, paralegal, attorney, or a related role.
- Specialized Knowledge: Experience handling Directors & Officers (D&O), Errors & Omissions (E&O), Cyber Liability, or other claims-made policies is preferred.
- Additional Credentials: Multi-jurisdictional knowledge, advanced degrees, or a JD are a plus.
Passion and drive can be just as important as experience. If you’re excited about this opportunity, we’d love to hear from you!
Position affords 5 days per month to work remotely.
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
