Claims Examiner or Associate Claims Examiner - Liability Claims

USLI; Oak Brook (IL); Hybrid; USD 60,000 - 90,000; Full time

Benefits offered by this job

Bonus program

Medical benefits

Profit sharing

Free lunch onsite

Development courses

Job summary

USLI is seeking a dedicated claims professional to evaluate coverage, liability, and damages for each claim. You will collaborate across teams and with external stakeholders to investigate, negotiate, and resolve claims.

The role includes thorough investigations, reserve maintenance, file management, and settlements, with remote work allowed for 5 days per month. Liability expertise and multi-jurisdictional knowledge are highly valued.

Qualifications

• Analytical and creative problem-solving abilities for liability and damage evaluation.
• Strong oral and written communication with stakeholders.
• Assertive negotiation and conflict management skills.
• Excellent organization and time management for multiple priorities.
• Familiarity with insurance coverage, negligence law, and claim processes.

Responsibilities

• Coverage review: Confirm coverage and draft letters as needed.
• Thorough investigation: Liability/damages assessment, witness interviews, scene inspections.
• Independent adjusters: Manage direction and oversight during investigations.
• Liability analysis: Apply law to evaluate liability exposure.
• Reserve maintenance: Keep reserves aligned with claim development.
• File management: Negotiate settlements and coordinate defense counsel; manage files.
• Reporting: Prepare reserve authority requests and loss/coverage reports.
• Cross-team collaboration: Coordinate with underwriting, compliance, and actuarial teams.

Skills

Problem solving

Communication

Negotiation

Organization

Technical knowledge

Education

JD preferred

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:

• Third Party/Liability relevant experience
• Relevant roles include examiner, adjuster, paralegal, attorney/lawyer, or other transferable experience
• Liability expertise: Multi-jurisdictional knowledge, liability experience, and advanced degrees (e.g., JD) are a plus

Passion and drive can be just as important as experience.

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.

Benefits include:

• performance-based triannual bonuses
• medical benefits paid at 100% for full-time employees and 80% for eligible part-time employees
• a 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.