Claims Officer, Commercial Excess and Specialized Claims

The typical starting salary range for this role is determined by a number of factors including skills, experience, education, certifications and location. The full salary range for this role reflects the competitive labor market value for all employees in these positions across the national market and provides an opportunity to progress as employees grow and develop within the role. Some roles at Liberty Mutual have a corresponding compensation plan which may include commission and/or bonus earnings at rates that vary based on multiple factors set forth in the compensation plan for the role.

Liberty Mutual has an exciting immediate opening for a Claims Officer as part of our Excess, Coverage and Specialized Claims Unit.

In this role, under moderate direction, you will handle a book of Commercial Casualty Excess/Umbrella claims, coverage conflict files and declaratory judgment files throughout the entire claims life cycle. Excess claim types include, but are not limited to, mass torts, premises liability, auto, products, across the United States for both Coverage A and Coverage B claims on admitted and non-admitted paper. Complex Excess claims experience needed to evaluate claims with significant financial exposure as well as significant coverage analysis. Coverage files will focus on Commercial General Liabilities (CGL) policies.

* Note the expectation is that this job will focus on coverage matters but will have some excess claim files in addition to coverage claims.

**A dditionally, you will be responsible for conducting investigations, recommending adequate reserves, monitoring, documenting, assessing any risk transfer potential, and settling/closing claims in an expeditious and economical manner within prescribed authority limits for the line of business.

***This is a remote position. Please note, you will be required to go into the office twice a month if you reside within 50 miles of one of the following offices: Westborough, MA; Hoffman Estates, IL; Indianapolis, IN; Lake Oswego, OR; Boston, MA; Las Vegas, NV; Plano, TX; Suwanee, GA; Tampa, FL; or Weatogue, CT. Please note this policy is subject to change.

Responsibilities:

• As the claims owner, determines coverage, investigates the claims, determines liability, sets and adjusts reserves, evaluates the claim, negotiates a settlement, authorizes and pays the claim; may deny claims.
• Prepare and review coverage letters.
• Evaluate proposed new policy wording.
• Review lawsuit documentation and supporting documents, claim file, investigation, etc. Establish actions to be taken to resolve claim/lawsuit. Includes determining loss coverage, amounts owed, discovery plans, setting reserves and negotiations.
• Establish appropriate working team (Home Office Legal, Defense Counsel and Claims) based on allegations established in suit.
• Responsible for managing the practices and billing activities of outside counsel. Accountable for security of financial processing of claims, as well as security information contained in claims files.
• Trains and mentors staff as appropriate; manages relationships and acts as liaison with various business partners (e.g., Underwriting, Reinsurance, Etc.).
• Keeps abreast of existing and proposed legislation, court decisions and trends and experience pertaining to specialty coverage issues. May analyze the impact upon claims policies and procedures and advises Claims Management so appropriate action can be taken where required.
• Leads and participates in special projects and performs other duties as assigned.

• 10+ years of increasing complex coverage work. Prefer experience as internal or external coverage counsel.
• Strong writing and presentation skills.
• Advanced to expert knowledge of commercial casualty claims coverage, investigation, reserving, expense management, resolution strategy, negotiation, litigation management, claims evaluation as well as the insurance legal and regulatory environment.
• Advanced to expert level of skill in the areas of customer focus, gaining support, teamwork, and adaptability.
• Expert ability to identify and solve problems, achieve results and execute thoroughly.
• Demonstrated ability to work independently, mentor other employees, and serves as a subject matter expert as normally acquired through 10 or more years of experience.
• Ability to adapt to work in multiple claim systems.
• Excess claims experience with premises liability, employers liability, environmental, auto, products liability, mass torts and other Commercial Casualty Claims experience required.

As a purpose-driven organization, Liberty Mutual is committed to fostering an environment where employees from all backgrounds can build long and meaningful careers. Through strong relationships, comprehensive benefits and continuous learning opportunities, we seek to create an environment where employees can succeed, both professionally and personally.

At Liberty Mutual, we believe progress happens when people feel secure. By providing protection for the unexpected and delivering it with care, we help people embrace today and confidently pursue tomorrow.

We are proud to support a diverse, equitable and inclusive workplace, where all employees feel a sense of community, belonging and can do their best work. Our seven Employee Resource Groups (ERGs) offer a centralized, open space to bring employees and allies together to connect, learn and engage.

We value your hard work, integrity and commitment to make things better, and we put people first by offering you benefits that support your life and well-being.

Liberty Mutual is an equal opportunity employer. We will not tolerate discrimination on the basis of race, color, national origin, sex, sexual orientation, gender identity, religion, age, disability, veteran's status, pregnancy, genetic information or on any basis prohibited by federal, state or local law.

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