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About the Role

This position is responsible for investigating, evaluating, reserving, negotiating, and resolving assigned Specialty Liability Bodily Injury and Property Damage claims. The role ensures quality claim handling throughout the claim life cycle, maintaining compliance with internal and external standards and state regulations. It also provides consulting and training resources, serving as a technical resource to the field and business partners. This role does not manage staff and is eligible for a sign-on bonus.

Responsibilities

Handle assigned claims directly
Provide quality customer service and ensure file quality
Conduct timely coverage analysis and communicate with insureds
Consult with Manager on Claim Coverage Counsel use as needed
Investigate claims through contact with policyholders, accounts, claimants, law enforcement, witnesses, agents, medical providers, and technical experts
Determine liability, damages, and contribution potential
Interview witnesses and stakeholders, taking statements as appropriate
Identify, select, and direct internal/external resources for claim evaluation (e.g., Subrogation, Risk Control, nurse consultants, fire/fraud investigators)
Verify injury or property damage by obtaining and reviewing records and documentation
Maintain claim files and document activities according to established procedures
Utilize evaluation documentation tools per department guidelines
Proactively create Claim File Analysis (CFA) adhering to quality standards
Utilize diary management system for timely claim handling
Evaluate liability and damages exposure at required intervals
Establish and maintain proper indemnity and expense reserves
Recommend appropriate cases for roundtable discussion
Attend and/or present at roundtables/authority discussions for technical collaboration
Share experience and knowledge of creative resolution techniques
Develop and employ creative resolution strategies
Promptly and properly dispose of all claims within delegated authority
Negotiate claim disposition with insureds, claimants, or legal representatives
Recognize and implement alternate means of resolution
Manage litigated claims
Develop litigation plans with staff or panel counsel, including discovery and legal expenses
Apply litigation management through counsel selection, claim evaluation, and litigation strategy direction
Track and control legal expenses for cost-effective resolution
Effectively and efficiently manage allocated and unallocated loss adjustment expenses
Attend depositions, mediations, arbitrations, pre-trials, trials, and other legal proceedings as needed
Update appropriate parties with new facts and their impact on liability analysis and settlement options
Recognize and timely refer cases to another level of claim professional based on severity/complexity protocols
Appropriately handle personal and confidential information
Fulfill specific service commitments to accounts as outlined in Special Account Communication (SAC) instructions
Respond to inquiries from agents and brokers
Represent the company as a technical resource, attending legal proceedings and acting within professional guidelines and state laws
Provide mentoring and coaching to less experienced claim professionals
Share accountability with business partners for quality results
Evaluate all claims for recovery potential and handle/direct recovery efforts
Perform other duties as assigned

Requirements

High School Diploma or GED
2 years of liability claim handling experience and/or comparable litigation claim experience
Acquisition and maintenance of Insurance License(s) may be required within three months of starting the job
Bachelor's Degree
5 years business experience
Advanced level knowledge and skill in claim and litigation
Basic working level knowledge and skill in various business line products
Thorough understanding of the litigation process, relevant case and statutory law
Extensive claim and/or legal experience and technical expertise to evaluate severe and complex claims
Ability to make independent decisions on most assigned cases without supervisor involvement
Openness to ideas and expertise of others, actively soliciting input and sharing ideas
Thorough understanding of commercial lines products, policy language, exclusions, ISO forms, and effective claims handling practices
Advanced written and verbal communication skills to understand, synthesize, interpret, and convey complex data
Ability to adapt to and support cultural change
Strong technology aptitude; ability to use business technology tools for research, tracking, and communication

Skills

Negotiation
Customer service
Coverage analysis
Liability analysis
Damages analysis
Litigation management
Coaching
Influence
Persuasion
Analytical Thinking - Intermediate
Judgment/Decision Making - Intermediate
Communication - Intermediate
Insurance Contract Knowledge - Intermediate
Principles of Investigation - Intermediate
Value Determination - Intermediate
Settlement Techniques - Intermediate
Legal Knowledge - Intermediate
Medical Knowledge - Intermediate

Experience Level

2 years of liability claim handling experience and/or comparable litigation claim experience
5 years business experience
Extensive claim and/or legal experience

Education Level

High School Diploma or GED
Bachelor's Degree

Salary/Compensations

$85,600.00 - $141,200.00
Eligible for performance-based cash incentive awards

Benefits

Sign-on bonus
Health Insurance for employees and eligible family members from day one
401(k) with dollar-for-dollar match up to 5% of eligible pay
Paying it Forward Savings Program (student loan debt contribution to 401(k))
100% funded Pension Plan
Minimum of 20 days Paid Time Off annually
Nine paid company Holidays
Wellness Program with tools, discounts, resources, and mental health services (professional counseling, health coaching)
Matching Gift and Volunteer Rewards program

About the Company

Travelers is a property casualty insurer with over 170 years of industry reputation
Committed to taking care of customers, communities, and employees
Culture rooted in innovation and collaboration
Over 30,000 employees in the United States, Canada, the United Kingdom, and Ireland
Offers 10 Diversity Networks for employees
Recognized by organizations such as G.I. Jobs and Military Times
Employees actively volunteer in their hometowns

Equal Opportunity

Travelers is an equal opportunity employer
Values unique abilities and talents, recognizing benefits from diversity