Claims Examiner or Associate Claims Examiner - Employment Practices

USLI; Charleston (SC); Hybrid; USD 55,000 - 85,000; Full time

Benefits offered by this job

Performance-based bonuses

Medical benefits 100% for full-time

Medical benefits 80% for eligible part

Profit-sharing program

Free lunch onsite

450+ development courses available

Job summary

USLI is seeking an experienced claims professional to evaluate coverage, liability, and damages for complex claims. You will collaborate with internal teams and external stakeholders to investigate, negotiate, and resolve claims effectively.

You will retain independent adjusters, manage litigation aspects, and prepare comprehensive reserve and reporting materials. A strong background in liability, damages evaluation, and diverse claims experience is required to support underwriting and

Qualifications

• 2+ years of relevant experience for Associate Claims Examiner
• 7+ years of relevant experience for Claims Examiner
• Experience as an examiner, adjuster, paralegal, attorney, or related role
• Specialized experience in Employment Practices, D&O, and/or E&O claims is highly preferred
• Multijurisdictional knowledge, advanced degrees, and/or JD are a plus

Responsibilities

• Coverage review and determining policy coverage details and reservation of rights where needed
• Thorough investigations into liability and damages, including interviews and scene inspections
• Retain and direct independent adjusters and manage investigation processes
• Apply liability analysis using applicable law to assess exposure
• Maintain accurate reserves reflecting evolving damages
• Manage claim files, negotiate settlements, and oversee defense counsel
• Prepare reserve authority requests, reinsurance reports, and serious loss reports
• Collaborate with underwriting, compliance, and actuarial teams to support product health

Skills

Problem solving

Communication

Negotiation

Organization

Technical knowledge

Education

JD or advanced degree (plus)

Job description

About Us: At USLI, we're not just about insurance - we are committed to making a difference, both internally and externally. Our community is built upon five values: Caring, Attitude, Respect, Empathy and Energy. Our commitment to these values leads us to make better decisions and furthers our true sense of community. By joining our team, you'll be part of a vibrant organization that values innovation, collaboration, and growth. Here, you'll have the opportunity to shape the future of insurance and make a meaningful impact.

Your Role:

You'll play a critical role in evaluating coverage, liability, and damages for each unique claim. You'll collaborate across teams and with external stakeholders to effectively investigate, negotiate, and resolve claims.

Key Responsibilities:

• Coverage review: Confirm coverage by reviewing the first notice of loss and policy details; prepare DISCLAIMERS and reservation of rights letters as necessary.
• Thorough investigation: Conduct detailed investigations into claims, including liability and damages assessment, witness interviews, scene inspections, and evidence collection.
• Independent adjusters: Retain and provide directions to independent adjusters while managing all aspects of the investigation process.
• Liability analysis: Apply statutory and case law to evaluate liability exposure and ensure joint tortfeasors contribute their fair share.
• Reserve maintenance: Maintain accurate reserves reflecting liability and damages as claims develop.
• File management: Proactively manage claim files, negotiate settlements directly with claimants or attorneys, oversee defense counsel, and ensure effective litigation management.
• Reporting: Prepare comprehensive reserve authority requests, reinsurance reports, serious loss reports, and coverage position letters.
• Cross-team collaboration: Provide updates and collaborate with underwriting, compliance, and actuarial teams to maintain healthy products.

What You'll Bring:

• Problem-solving skills: Analytical and creative problem-solving capabilities with a focus on liability and damage evaluation.
• Communication: Strong oral and written communication skills to effectively interact with all stakeholders.
• Negotiation expertise: Assertive decision-making with effective negotiation and conflict management skills.
• Organization: Strong organizational and time management skills to manage multiple priorities efficiently.
• Technical knowledge: Familiarity with insurance coverage, negligence law, and claim evaluation processes.

Qualifications:

• 2+ years of relevant experience for Associate Claims Examiner.
• 7+ years of relevant experience for Claims Examiner.
• Experience as an examiner, adjuster, paralegal, attorney, or in a related role.
• Specialized experience: Experience with Employment Practices, D&O (Directors and Officers), and/or E&O (Errors and Omissions) claims is highly preferred.
• Additional Qualifications: Multi-jurisdictional knowledge, advanced degrees, and/or JD are a plus.

Position affords 5 days per month to work remotely.

What We Offer:

One of the advantages of working at USLI is the competitive salary and benefits program we offer full-time and eligible part-time employees.

• Performance-based triannual bonuses
• Medical benefits paid at 100% for full-time employees
• Medical benefits paid at 80% for eligible part-time employees
• Profit-sharing program
• Free lunch every day while onsite
• More than 450 annual personal and professional development courses

Explore more company benefits.

Why USLI?

At USLI, we are committed to fostering a vibrant and inclusive community that celebrates the rich diversity of all ethnicities, nationalities, abilities, genders, gender identities, sexual orientations, ages, religions, socioeconomic backgrounds, and life experiences. We understand the importance of continuous learning, self-reflection, acknowledging our biases, and expanding our perspectives beyond our own. We actively encourage open dialogue on diversity, equity, inclusion, and belonging to support a workplace where every individual feels valued, respected, and empowered to contribute at their fullest potential. Join us in building a diverse and inclusive environment where our shared values drive us toward excellence.