Claims Examiner (Casualty)

LIO Insurance; Conshohocken (Montgomery County); On-site; USD 70,000 - 90,000; Full time

Benefits offered by this job

Flexible (unlimited) Time Off

401k

Maternity Leave

Competitive Medical

Job summary

A leading insurance provider is seeking a Claims Examiner-Casualty to manage a portfolio of moderate complexity general liability claims, including construction-related exposures. The ideal candidate will possess excellent communication skills and a strong analytical mindset to negotiate with claimants and evaluate claims. The position offers full-time hours, professional growth opportunities, and comprehensive benefits, including flexible time off and competitive medical coverage, making it ideal for candidates looking for a balanced work environment.

Qualifications

• Ability to convey complex information clearly and listen actively.
• Capacity to evaluate risk and think critically.
• Commitment to confidentiality and ethical conduct.
• Skill in building effective working relationships.
• Capability to manage competing demands and meet deadlines.
• Experience in a lean, entrepreneurial environment.

Responsibilities

• Manage a portfolio of moderate complexity casualty claims.
• Perform coverage analysis and policy interpretation.
• Conduct investigations and evaluate liability and damages.
• Maintain accurate and documented claim files.
• Proactively identify and escalate complex issues.

Skills

Strong written and verbal communication skills

Sound judgment and decision-making abilities

High degree of integrity and professionalism

Customer-focused mindset

Strong organizational and time management skills

Analytical mindset

Ability to influence and negotiate

Adaptability and accountability

Education

Bachelor’s degree or equivalent

3-6+ years of casualty claims handling experience

Job description

Summary/Objective

The Claims Examiner – Casualty is accountable for managing a portfolio of moderate complexity general liability claims across admitted and E&S products, including exposure to construction-related and construction defect property damage claims, driving each claim from initial notice through resolution. This role requires applying sound coverage analysis, leading investigations, evaluating liability and damages, and crafting clear, defensible coverage positions. The Claims Examiner will proactively negotiate with claimants and attorneys, ensure timely and accurate claim payments, and deliver a high-quality claims experience. The ideal candidate is a strong communicator and critical thinker who can effectively engage with insureds, brokers, counsel, and internal partners while balancing customer experience, financial outcomes, and regulatory compliance.

Essential Duties & Functions

• Manage a portfolio of moderate complexity casualty claims, including general liability and select construction-related / construction defect property damage exposures
• Handle claims across admitted and E&S platforms, applying sound judgment and seeking guidance on complex or high-exposure matters
• Perform coverage analysis and policy interpretation, including drafting coverage positions for moderately complex claims and supporting more complex or layered matters
• Conduct thorough investigations, evaluate liability and damages, and establish and adjust reserves in accordance with claim developments
• Coordinate and actively manage defense counsel, experts, and vendors to ensure effective case strategy and cost control
• Support the development and execution of litigation and settlement strategies aligned with claim facts, coverage, and business objectives
• Participate in mediations, settlement negotiations, and discussions with claimants and counsel as appropriate
• Maintain accurate, timely, and well-documented claim files, including clear reporting and adherence to internal guidelines and regulatory requirements
• Proactively identify and elevate complex, high-severity, or coverage-sensitive issues to senior team members

LIO LIFE – What we value

• The Customer Lens – Prioritizing our relationships, service and needs of our customers.
• Innovative Thinking – Fostering an environment that empowers and sustains bold thinking and actions.
• Balance – Creating an inclusive, diverse, and holistic balance to meet our personal and professional needs.
• Simplicity – Striving for simplicity in our service, products, and processes.
• Accountability – Owning our results and learning from them.

Qualifications

To perform this role successfully, an individual must be able to execute each essential duty effectively. The requirements below represent the key competencies needed. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• Strong written and verbal communication skills, including the ability to clearly convey complex information and actively listen to understand key issues
• Sound judgment and decision-making abilities, with the capacity to evaluate risk, think critically, and expedite appropriately
• High degree of integrity and professionalism, with a strong commitment to confidentiality and ethical conduct
• Customer-focused mindset, delivering responsive, solutions-oriented service to both internal and external stakeholders
• Ability to build effective working relationships and collaborate across teams and levels, while also operating independently
• Strong organizational and time management skills, with the ability to prioritize, manage competing demands, and meet deadlines
• Analytical mindset, with the ability to assess information, identify key drivers, and support well-reasoned outcomes
• Ability to influence, negotiate, and navigate challenging conversations with professionalism and confidence
• Adaptability and accountability in a dynamic, fast-paced, and primarily virtual work environment
• Demonstrated respect for diverse perspectives and the ability to work effectively across varied backgrounds and experiences
• Ownership mindset, with the ability to plan, organize, and execute work from initiation through completion
• Comfort working in a lean, entrepreneurial environment, with a willingness to take initiative and adapt to evolving priorities

Required Education and Experience

• Bachelor’s degree or equivalent combination of education and relevant experience
• 3–6+ years of casualty claims handling experience
• Experience handling general liability (GL) claims required; exposure to construction-related or construction defect claims preferred
• Active state adjuster license(s) or ability to obtain required licenses within a defined timeframe

Preferred Education and Experience

• CPCU and/or AI

Additional Eligibility Requirements (Certificates, Licenses, Required/Preferred)

• CPCU or AIS

Benefits

• Flexible (unlimited) Time Off and 13 paid holidays
• 401k
• Maternity Leave
• Competitive Medical to support holistic health
• Medical, dental/ortho, vision, life and disability insurance
• HSA/FSA/DCAP savings plans

Work Environment

This job operates in a professional office environment. This role routinely uses standard office equipment.

Position Type/Expected Hours of Work

This is a full-time position. Expected days and hours of work are Monday through Friday, 8:30 a.m. to 5 p.m. This position may require long hours and weekend work.

Travel

Occasional travel may be necessary for this position – to attend mediations, trials, or large property loss exposures.

EEO Statement

LIO Insurance provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, creed, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state or local laws. This policy applies to all terms and conditions of employment, including recruiting, hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation, and training.

Other Duties

Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities, and activities may change at any time with or without notice.