Complex Claims Director - Insurance Expert

mercor; Finland; Remote; EUR 84,000 - 113,000; Part time

Job summary

Mercor is hiring a Complex Claims & Coverage Director for a remote contract position. Compensation is $80/hour, with a commitment of 20+ hours per week. The role focuses on designing complex coverage scenarios, claim strategies, and high-level risk analysis across multi-party policies.

The candidate will produce advanced claim analyses, escalation plans, and governance materials, while providing feedback to improve model behavior in research contexts. Immediate start available.

Qualifications

• Must have experience handling complex, litigated, high-severity or coverage-sensitive insurance claims.
• Able to evaluate coverage issues and develop strategies involving multiple parties or jurisdictions.
• Understanding insurer duties, reservation-of-rights, litigation management, and escalation processes.

Responsibilities

• Design scenarios involving disputed coverage, reservations of rights, excess exposure, multiple insureds and carriers.
• Create work products: claim strategies, coverage-position analyses, authority requests, litigation-management plans, reserve rationales.
• Write high-quality, senior-level reference responses for policy analysis.
• Evaluate AI-generated responses against rubrics for policy analysis and escalation discipline.
• Identify inconsistent or unsupported claim-handling positions and flag issues for counsel.

Skills

Complex claims handling

Litigation risk analysis

Policy interpretation

Written communication

Attention to detail

Stakeholder communication

Job description

About the job

Mercor connects elite creative and technical talent with leading AI research labs. Headquartered in San Francisco, our investors include Benchmark , General Catalyst , Peter Thiel , Adam D'Angelo , Larry Summers , and Jack Dorsey .

Position: Complex Claims & Coverage Director

Type: Contract

Compensation: $80/hour

Location: Remote

Commitment: 20+ hours/week

Role Responsibilities

• Design realistic scenarios involving disputed coverage, reservations of rights, excess exposure, multiple insureds, multiple carriers, allocation, litigation, mediation, bad-faith risk, and high-severity settlement strategy.


• Create work products such as complex claim strategies, coverage-position analyses, authority requests, litigation-management plans, reserve rationales, and escalation recommendations.


• Write \"golden\" reference responses at senior technical claims quality.


• Grade AI-generated responses against structured rubrics for policy analysis, strategic judgment, factual support, stakeholder awareness, and escalation discipline.


• Identify claim-handling positions that are internally inconsistent, unsupported by the record, operationally unrealistic, or outside the authority of a non-lawyer claims professional.


• Provide written feedback the research team uses to improve model behavior.

Qualifications Must-Have

• 2+ years of professional experience handling complex, litigated, high-severity, or coverage-sensitive insurance claims.


• Evaluated coverage issues and developed claim strategies involving multiple parties, layers, policies, or jurisdictions.


• Understand insurer duties, reservation-of-rights practices, litigation management, settlement authority, and escalation to internal or external counsel.


• Can distinguish an operational coverage position from formal legal advice and recognize when specialized legal review is required.


• Demonstrate exceptional written reasoning, defensible judgment, and high attention to detail.


• Comfortable reviewing incomplete records and clearly separating facts, assumptions, open issues, and recommended next steps.

Preferred

• CPCU , AIC , SCLA , ARM , or comparable insurance designation.


• Experience with excess casualty, professional liability, directors and officers, cyber, environmental, construction-defect, or other complex lines.


• Experience managing mediations, trials, coverage disputes, or extra-contractual exposure.


• Home-office technical claims or claim-governance experience.


• Experience overseeing TPAs, independent adjusters, experts, or panel counsel.

Start Date

Immediately ; applications reviewed on a rolling basis.

Compensation & Legal

Hourly contractor , Paid weekly via Stripe Connect .