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About the Role

An independent claims handler who will manage and oversee the end-to-end claims process for a wide variety of matters under Small Business general liability policies. Supports Beazley’s vision of being the highest performing sustainable specialty insurer through proactively managing claims, at an individual and portfolio level where required.

Responsibilities

• Proactively manage and oversee a diverse portfolio of claims involving general liability, miscellaneous medical malpractice, and product recall, from notification to closure.
• Handle claims from first notice of loss through resolution, assessing severity, complexity, and direct financial loss.
• Evaluate policy coverage in line with underwriting intent and draft clear coverage position letters.
• Effectively communicate coverage determinations to brokers, insureds and other relevant stakeholders.
• Manage portfolio of medium to high severity claims, including Category 2 and some Category 1 claims.
• Review individual claims within the portfolio on a regular basis ensuring claims records are maintained.
• Establish appropriate and timely case reserves adhering to Beazley’s authority protocols and reserving philosophy.
• Develop, iterate, document, and execute claims strategies.
• Ensure the management of claims conforms to agreed standardized processes and maintain accurate claims files.
• Communicate material claims to Reinsurance and Finance.
• Work with Reinsurance to effect claims recoveries.
• Understand and implement Beazley’s Conduct Risk Policy.
• Contribute to the continuous improvement culture within the claims function.
• Maintain awareness of the overall strategic objectives and business plans of the Beazley claims function.
• Understand marketing and underwriting strategies for the business area.
• Join client meetings to share Beazley’s claims philosophy and address specific claims issues.
• Provide input to underwriters of potential or existing insured’s claims experience.
• Identify issues and trends, consult relevant stakeholders, and take appropriate action.
• Identify wordings issues and suggest policy wording improvements.
• Leverage networking opportunities to develop standardized underwriting policy and best practices.
• Work with Claims team members and underwriters to maximize business opportunities and profitability.
• Help produce presentations and marketing literature.
• Operate within approved claims authority at all times.
• Maintain knowledge of and ensure compliance with relevant regulation, minimum claim handling standards and Beazley’s claims controls and protocols.
• Adhere to Beazley’s procedures for the selection and retention of 3rd party professionals.
• Appropriately manage escalation of items from delegated partners.
• Conduct file reviews or audits as required, and resolve any issues identified.
• Provide feedback on claim actions undertaken by the Third-Party Administrator (TPA).
• Propose strategies for future claims handling, review case reserve adequacy, and ensure TPA focus on claim finalization.
• Work proactively to develop and maintain strong relations with key brokers and insureds.
• Promote the Beazley brand of excellence and professionalism in client service.
• Adhere to Beazley’s Conflicts of Interest policy and resolve potential conflicts promptly.
• Advise Head of or Group Head of Claims of any undue influence to act improperly in claim management.
• Adhere to Beazley’s core values in all interactions.
• Comply with Beazley procedures, policies and regulations.
• Undertake training on Beazley policies and procedures.
• Display business ethics that uphold the interests of all customers.
• Ensure all customer interactions focus on delivering a fair outcome.
• Carry out additional responsibilities as notified.

Requirements

• Three or more years of experience handling commercial liability claims, including general liability, miscellaneous medical malpractice, and product recall matters involving bodily injury, property damage, lost product, lost profit, and business interruption exposures.
• Adjuster license(s) may be required and must be obtained within the first 90 days of employment if required.

Skills

• Analytical skills
• Problem solving
• Analysis of financial statements
• Financial assessments of claims
• Data analysis
• Decision-making
• Work management skills
• Time and workload management
• Self-starter
• Planning
• Achievement orientation
• Productivity focused
• Interpersonal skills
• Ability to influence others
• Client and broker management skills
• Purposeful communication
• Flexibility
• Active listening
• Legal training or claims experience
• Assessing liability
• Negotiating settlements
• Claims management procedures
• Knowledge of US and international insurance markets
• Familiarity with US and global legal and regulatory frameworks
• Alternative dispute resolution methods
• Decisiveness
• Customer-focused
• Attention to detail
• Team work
• Analytical thinking
• Managing resources effectively

Location

• United States

Work Type

• Full-time

Experience Level

• Three or more years of experience

Education Level

• College degree
• J.D. preferred but not required

Salary/Compensations

• $130,000 - $150,000 per year plus discretionary annual bonus

Benefits

• Attractive base compensation and discretionary performance related bonus
• Competitively priced medical, dental and vision insurance
• Company paid life, and short- and long-term disability insurance
• 401(k) plan with 5% company match and immediate vesting
• 22 days PTO
• 11 paid holidays per year
• Ability to flex religious bank holidays
• Up to $700 reimbursement for home office setup
• Free in-office lunch
• Travel reimbursement for travel to office
• Monthly lifestyle allowance
• Up to 26 weeks of fully paid parental leave
• Up to 2.5 days paid annually for volunteering

About the Company

• Beazley is a specialist insurance company with over 30 years’ experience helping people, communities and businesses to manage risk all around the world.
• Our mission is to inspire our clients and people with the confidence and freedom to explore, create and build – to enable businesses to thrive.
• Our goal is to become the highest performing sustainable specialist insurer.
• Our products are wide ranging, from cyber & tech insurance to marine, healthcare, financial institutions and contingency.
• We have a wonderful mix of cultures, experiences, and backgrounds at Beazley with over 2,000 of us working around the world.
• Employee’s diversity, experience and passion allow us to keep innovating and moving forward, delivering the best.
• We are proud of our family-feel culture at Beazley that empowers our staff to work from when and where they want, in an adult environment that is big on collaboration, diversity of thought and personal accountability.
• Our three core values inspire the way we work and how we treat our people and customers: Be bold, Strive for better, Do the right thing.
• We are a flexible and innovative employer offering a friendly, collaborative, and inclusive working environment.
• We actively encourage and expect applications from all backgrounds.
• Our commitment to fostering a supportive and dynamic workplace ensures that every employee can thrive and contribute to our collective success.
• Explore a variety of networks to assist with professional and/or personal development.
• We encourage internal career progression at Beazley, giving you all the tools you need to drive your own career here.

Equal Opportunity

• Don’t meet all the requirements? At Beazley we're committed to building a diverse, inclusive, and authentic workplace. If you’re excited about this role but your experience doesn’t perfectly align with every requirement and qualification in the job specification, we encourage you to apply anyway. You might just be the right candidate for this, or one of our other roles.