Claims Coverage Counsel/Claims Coverage Administrator

Merchants Insurance Group; Bedford (NH); Hybrid; USD 100,000 - 160,000; Full time

Benefits offered by this job

Hybrid work schedule

Bonus program

Tuition Reimbursement

Full Benefits

Generous PTO

Job summary

Merchants Insurance Group in Bedford, NH seeks an experienced Claims Coverage Counsel or Claims Coverage Administrator for its Claim Legal Team. The role focuses on insurance coverage analysis and disposition for complex scenarios, including construction and labor law.

Hybrid schedule requires two days in-office weekly, with flexibility to work remotely other days. The ideal candidate has 5+ years of insurance coverage or attorney experience; JD preferred.

Qualifications

• 5+ years of insurance coverage experience and/or practicing attorney experience.
• Juris Doctor degree preferred, with license in good standing.
• Proficiency with Westlaw or other legal research applications CPCU highly desirable.
• Minimum 10 years of technical experience in complex coverage analysis.
• Prior leadership experience is highly desired.

Responsibilities

• Prepares coverage communication consistent with internal quality standards and applicable state regulations.
• Works collaboratively with front-line claims professionals and managers to provide coverage analysis and preparation or review of coverage position letters for complex issues.
• Provides legal or coverage guidance to claim professionals handling declaratory judgments where Merchants is a named party.
• Directs outside counsel on litigation strategy.
• Leads claim staff in training involving legal or coverage matters.
• Supports underwriting and product development teams with regulatory research.

Skills

Insurance coverage

Legal research

Leadership

Policy construction

Regulatory compliance

Written communication

Education

Juris Doctor

Tools

Westlaw

Job description

Location & Role

Bedford, New Hampshire. Merchants Insurance Group is a leading Property and Casualty Insurer in the Northeast and is looking for an experienced Claims Coverage Counsel or Claims Coverage Administrator for our Claim Legal Team located in Bedford, New Hampshire.

We are seeking individuals with previous experience in insurance coverage analysis/determination/disposition for at least five years. While a law degree is preferred, we are also considering individuals without a law degree that have deep technical experience in significant and complex coverage scenarios to include New York construction/labor law and other commercial claims.

Hybrid Work Schedule

We offer a hybrid work schedule, requiring two full days per week in the office, with flexibility to work remotely or in office the remaining days. This model supports collaboration while providing flexibility and work-life balance.

Employer Recognition

Merchants Insurance Group Is Rated A- (Excellent) With a Stable Outlook By A.M. Best And Is Consistently Recognized As a Top Employer And High-performing Organization. Recent Honors Include

• Best Places to Work in Western New York (Buffalo Business First, 2023–2026)
• New York #1 Commercial Insurer (Big I, New York 2026)
• Fast Track Company (2019–2025) and Top Private Company (2019–2025)
• Ward’s 50® top-performing property-casualty insurer (2021–2024)
• Ivans Spark Award for Innovation (2024–2025)
• Named to Newsweek and Statista’s America’s Most Reliable Companies list (2025), ranked among the top 300 of 1,500 B2B organizations evaluated

Essential Duties and Responsibilities

• Prepares coverage communication consistent with internal quality standards and applicable state regulations.
• Works collaboratively with front-line claims professionals and managers to provide coverage analysis and preparation or review of coverage position letters for claims involving complex coverage issues or disputes.
• Provides legal or coverage guidance to claim professionals handling declaratory judgment actions in which Merchants is a named party.
• Directs outside counsel on litigation strategy.
• Leads claim staff in training involving legal or coverage matters.
• Provides claim legal support to underwriting and product development teams. Also assists in regulatory compliance programs by providing supplementary research regarding statutes and regulations impacting our business.

Qualifications & Skills

• Juris Doctor degree preferred, with license in good standing
• Minimum 5 years of insurance coverage experience and/or practicing attorney experience
• Proficiency with Westlaw or other legal research applications CPCU highly desirable
• Minimum 10 years of technical experience in complex coverage analysis
• Prior leadership experience is highly desired
• High degree of competency in insurance coverage analysis, policy construction, and legal research with exemplary writing skills.
• Ability to transfer knowledge through formal and informal training with demonstrated excellent written and oral presentation skills.
• Advanced written and oral communication skills with influence, initiative, and ability to communicate effectively across all levels across an insurance organization to include cross-departmental relationships.
• Experience with construction and labor law litigation coverage issues related to risk transfer.
• Proven demonstration of creative problem-solving abilities.
• Excellent interpersonal skills with the ability to lead and work in a cooperative manner.

Pay Information

Merchants Insurance Group offers a competitive pay scale. The estimated salary for this role ranges from $100,000 - $160,000 based on leveling and geography, along with an equity component and a comprehensive benefits package. This range is merely an estimate; actual compensation may deviate from this range based on skills, experience and qualifications.

Benefits

• Welcoming and positive work environment.
• Colleague Appreciation Events.
• Flexible work arrangements, including flex scheduling and summer hours.
• Hybrid work schedule. The Hybrid work schedule will require 2 full days per week in the office, with the option of working the remaining days per month at home or in the office.
• Competitive pay scale.
• Generous paid time off package.
• Full Benefits: Health, Dental, Vision, Life Insurance, Short Term Disability, 401(k) employer match amount is 100% up to 6% of your annual contributions. You are immediately 100% vested in the employer match dollars.
• Outstanding company bonus program.
• Tuition Reimbursement.

And many more exciting company benefits!!

Merchants Insurance Group is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability or veteran status. Merchants Insurance Group supports a safe workplace through pre-employment background screenings.