Senior Claims Specialist

About the Role: Senior Claims Specialist

At Liberty Mutual Insurance, you'll thrive in a hybrid setting that fosters in-person collaboration, innovation, and growth. This approach optimizes both remote and in-person interactions, enabling you to connect and ideate with your team and deepen valuable relationships across the company, while still enjoying the flexibility of remote work for focused tasks and projects.

The Senior Claims Specialist works within a Claims Team, using the latest technology to review, analyze, and process claims that are routinely characterized as moderately complex to complex within assigned authority limits. This includes making decisions about liability/compensability, evaluating losses, negotiating settlements, and managing an inventory of commercial property/casualty claims involving bodily injury or property loss. The Senior Claims Specialist may also assist the Claims Team Manager with assigning new claims to team members, providing technical directions, and monitoring caseloads.

This position requires going into the office twice a month if you reside within 50 miles of one of the following offices: Boston, MA; Westborough, MA; Hoffman Estates, IL; Weatogue, CT; Indianapolis, IN; Plano, TX; Suwanee, GA; or Lake Oswego, OR; Las Vegas, NV; Chandler, AZ.

This position may be filled as a Claims Specialist (Grade 12) or Senior Claims Specialist I (Grade 13) depending on candidate experience. The salary range posted reflects the range for the varying pay scale that encompasses each of the Liberty Mutual regions and the overall cost of living for that region.

Key Responsibilities

• Plans and conducts investigations of claims (including such activities as interviewing insureds, witnesses, and claimants, collecting and evaluating appropriate documentation, and securing evidence and protecting the chain-of-custody) to analyze and confirm coverage and to determine liability, compensability, and damages; determines need for, and engages independent adjusters, cause and origin experts, and independent medical examiners.
• Refers claim to subrogation group or Special Investigations Unit as appropriate.
• Assesses policy coverage for submitted claims and notifies the insured of any issues; determines and establishes reserve requirements, adjusting reserves, as necessary, during the processing of the claim.
• Assesses actual damages associated with claims and conducts negotiations, within assigned authority limits, to settle claims.
• Coordinates the litigation activities associated with assigned claims to ensure a timely and cost-effective resolution; attends trials as a representative of the company.
• Acts as senior technical professional on team, assisting team members with escalated issues. Mentors and trains new team members. Participates in Quality Review process. Participates in conducting Suit Committees, Roundtables, Arbitrations, Mediations, field investigations, and may assist in conducting closed file reviews.
• Performs other duties as assigned.

Qualifications

• Excellent interpersonal skills to communicate and negotiate with customers and conduct investigations required.
• Demonstrated leadership ability and time management skills to delegate work appropriately and organize resources effectively.
• Demonstrates an expert level knowledge of claims case handling practices, legal liability, general insurance policy coverage, and the state’s tort laws as normally acquired through a bachelor’s degree or equivalent training plus 4 to 6 years directly related work experience (at least two of which should ordinarily be in a team leader capacity).
• Licensing required in some states.

Key skills/competency

• Claims handling
• Commercial insurance
• Litigation management
• Liability assessment
• Coverage analysis
• Negotiation skills
• Claims investigation
• Mentorship
• Time management
• State tort law expertise