Claims Coverage Counsel/Claims Coverage Administrator

Merchants Mutual Insurance; Mount Laurel Township (NJ); Hybrid; USD 120,000 - 180,000; Full time

Job summary

Merchants Insurance Group in Mt. Laurel, New Jersey seeks an experienced Claims Coverage Counsel or Claims Coverage Administrator to support the claim legal team. The role blends coverage analysis with litigation strategy, requiring strong experience in complex coverage matters and collaboration with claims and underwriting functions.

Hybrid schedule with two in-office days per week. JD preferred; law experience welcome from both legal and claims perspectives.

Qualifications

• Juris Doctor degree preferred with license in good standing.
• Minimum 5 years of insurance coverage or attorney experience.
• Proficiency with Westlaw; CPCU highly desirable.
• Minimum 10 years of technical experience in complex coverage analysis.

Responsibilities

• Prepares coverage communications in line with state regulations.
• Collaborates with frontline claims staff to analyze coverage terms.
• Provides legal/coverage guidance on declaratory actions involving Merchants.
• Directs outside counsel on litigation strategy.
• Leads training on legal/coverage topics for claims staff.
• Supports underwriting, product development, and regulatory compliance.

Skills

Insurance coverage experience

Legal research (Westlaw)

CPCU

Education

Juris Doctor degree

License in good standing

Tools

Westlaw

Job description

Posting Details

• • Posted on November 4, 2026

Locations

Showing 1 location

• Hybrid
• Claims
• Full-Time
• Requisition #: CLAIM001747

Description

Claims Coverage Counsel/Claims Coverage Administrator

Hybrid Work Schedule

Mt. Laurel, New Jersey

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 mt. Laurel, New Jersey.

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.

This position will be responsible for preparing coverage opinions and coverage position letters for claims involving complex coverage issues or disputes. This role will also assist claims professionals in the evaluation of risk transfer opportunities, priority of coverage, and tender strategies. Coverage Counsel/Coverage Administrator is responsible for assessing and directing coverage litigation strategy in conjunction with outside counsel and the claims professional, including developing and executing a plan to manage the coverage litigation through final resolution. This individual may also provide legal support to underwriting, product development and regulatory compliance programs (JD candidate only).

This position is responsible for both first- and third-party coverage review, analysis and decisions for all levels of claims, including those involved in litigation. In addition, the individual will provide claim, policy, regulatory and legal expertise, if or as appropriate, to all levels of management up to and including senior management. The role will also review all policy forms for updates and revisions, ensuring compliance with state regulations, as well as applicable statutes and case law. The position will also require training for all levels of claims staff in matters of policy interpretation, investigatory processes, regulatory compliance and good faith claims practices across multiple venues.

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

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.

Essential Duties and Responsibilities include, but are not limited to:

• 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