Claims Litigation Specialist, Coverage

Swyfft, LLC; Northern (KY); Hybrid; USD 90,000 - 120,000; Full time

Benefits offered by this job

Medical, Dental, Vision

401(k) with matching

20 PTO days

Company holidays

Remote work

Job summary

Swyfft, LLC is seeking an experienced Property & Casualty Claims Litigation Specialist, Coverage, to serve as the company’s technical resource for coverage analysis on homeowner and commercial claims. This remote role requires handling duty to defend versus duty to indemnify, drafting coverage letters, and coordinating with counsel across a multi-state environment.

You will review assignments, draft letters, and monitor defense teams to ensure timely, fair outcomes while upholding industry

Qualifications

• 5-7 years of experience handling coverage issues on property and casualty claims
• 5-7 years of litigation experience in a multi-state environment
• Experience drafting coverage correspondence (reservation of rights letters, coverage denial letters, DISCLAIMERS) is required
• Working knowledge of property and casualty coverage issues, including duty to defend versus duty to indemnify
• Experience directing or monitoring outside defense/coverage counsel on litigated matters is required

Responsibilities

• Ensure that all assigned coverage matters are resolved timely, reserved accurately, and handled fairly (and in compliance with state and company guidelines)
• Review litigated complaints for proper handling and develop coverage-related legal strategies with counsel
• Work with multiple external/outside attorneys and provide direction related to coverage positions and legal strategy
• Correspond and communicate with policyholders, agents, experts, and service providers to gather information needed for coverage analysis and decisions
• Evaluate and apply the insurance contract as it pertains to coverage determinations
• Create and maintain comprehensive claim handling notation in our electronic claims management system and other related applications
• Review coverage on assigned claims and identify coverage positions, gaps, and issues, including duty to defend versus duty to indemnify considerations
• Draft coverage denial letters and reservations of rights that are clear, well-supported, and legally sound
• Communicate tender of defense and indemnification decisions to insureds, claimants, and defense/coverage counsel
• Review and evaluate large to complex injury demands as they relate to coverage and reserving decisions
• Monitor defense and coverage counsel on assigned matters for accurate, efficient handling, including cost containment and litigation management support

Skills

Coverage analysis

Litigation management

Communication skills

Negotiation

Education

Bachelor's degree or equivalent experience

Tools

IMS/LSS/Symbility

MS Office

MS Teams & Slack

Job description

At Swyfft, we're reshaping the way home insurance and commercial package products are priced and bound. We've created an insurance experience that's smart, instant, and designed to deliver unparalleled customer service.

Our focus on lightning-fast quotes and seamless claims servicing is powered by cutting-edge technology and an Agent and Customer-centric approach that sets us apart in the industry.

Joining Swyfft means becoming part of a dynamic team of forward-thinkers who thrive on moving fast and delivering exceptional products. We pride ourselves on fostering an environment where creativity and positive energy thrive.

As we continue to grow and expand, we're on the lookout for experienced professionals like you to join us in transforming the insurance landscape. If you're passionate about leveraging technology to provide the best customer service experience and are ready to be a part of our journey, we welcome you to explore opportunities at Swyfft!

About the Position:

As a property and casualty Claims LitigationSpecialist, Coverage, you will serve as Swyfft's technical resource for coverage analysis on our Homeowner and Commercial Property and General Liability claims portfolio (both litigated and non-litigated), including habitational risks, premises liability, and bodily injury matters. You'll be expected to handle coverage matters with empathy, curiosity, and creative problem-solving to achieve timely, fair outcomes, applying working knowledge of property and casualty coverage issues, including duty to defend versus duty to indemnify.

In this position, you will review coverage on assigned claims, draft coverage correspondence (including reservation of rights letters and coverage denial letters), and communicate tender of defense and indemnification decisions to insureds, claimants, and counsel. You will also review and evaluate large or complex injury demands as they relate to coverage, and monitor defense and coverage counsel to ensure accurate, efficient handling of litigated matters assigned to their office.

Our ideal candidate is well-versed with insurance industry knowledge, applying legal defenses and immunities, and partnering with legal counsel.

This position is a 100% remote U.S. based opportunity that can be based in one of the following states only: AL, AZ, FL, GA, KY, LA, MA, MO, NC, NJ, NY, OH, OR, PA, SC, TX, UT, VA, WA, WI.

Some travel for day-to-day work, team meetings, training, and occasional attendance at mediations, settlement conferences, or trials will be required.

Key Responsibilities: (What you'll be asked to do)

• Ensure that all assigned coverage matters are resolved timely, reserved accurately, and handled fairly (and in compliance with state and company guidelines).
• Review litigated complaints for proper handling and develop coverage-related legal strategies with counsel.
• Work with multiple external/outside attorneys and provide direction related to coverage positions and legal strategy.
• Correspond and communicate with policyholders, agents, experts, and service providers to gather information needed for coverage analysis and decisions.
• Evaluate and apply the insurance contract as it pertains to coverage determinations.
• Create and maintain comprehensive claim handling notation in our electronic claims management system and other related applications.
• Review coverage on assigned claims and identify coverage positions, gaps, and issues, including duty to defend versus duty to indemnify considerations.
• Draft coverage denial letters and reservations of rights that are clear, well-supported, and legally sound.
• Communicate tender of defense and indemnification decisions to insureds, claimants, and defense/coverage counsel.
• Review and evaluate large to complex injury demands as they relate to coverage and reserving decisions.
• Monitor defense and coverage counsel on assigned matters for accurate, efficient handling, including cost containment and litigation management support.

The Successful Candidate: (What we're looking for)

• You have a skilled technical background and hands-on experience handling coverage issues on property and casualty claims, including the duty to defend versus duty to indemnify.
• You're a motivated, growth-oriented claims professional who cares deeply about the customer journey and sees each claim as a chance to innovate.
• Proven ability to direct and oversee defense and coverage counsel, in order to establish legal strategies, ensure proper experts are retained, and assist in cost containment.
• You have experience drafting clear, well-reasoned coverage correspondence, including reservation of rights letters, coverage denial letters, and DISCLAIMERS.
• Both internal (your peers) and external clients commend your excellent communication skills and the timeliness of your follow-up skills.
• You communicate clearly, follow up promptly, and can bring calm (and a little humor) to stressful situations.
• You're detail-oriented, organized, and can multi-task like nothing anyone has ever seen before.
• You're a get the job done, self-starter that thrives in a fast-paced, team-oriented environment.
• You're committed to continued, self-driven learning and enjoy contributing ideas that help improve how claims and coverage are handled.

Some Requirements:

• 5-7 years of experience handling coverage issues on property and casualty claims.
• 5-7 years of litigation experience in a multi-state environment.
• Experience drafting coverage correspondence (e.g., reservation of rights letters, coverage denial letters, DISCLAIMERS) is required.
• Working knowledge of property and casualty coverage issues, including duty to defend versus duty to indemnify.
• Relevant experience with habitational risks, premises liability, and bodily injury matters is a plus.
• Understand basic legal strategies in conjunction with venue particularities.
• Experience directing or monitoring outside defense/coverage counsel on litigated matters is required.

Education:

• Bachelor’s degree or equivalent experience is preferred.

Computer Skills:

• We're an MS Office environment.
• Experience using video and chat technology (MSTeams & Slack)
• Familiarity with claims operating systems (IMS/LSS/Symbility).

Certifications or Licensing Required:

• You are currently licensed or eligible for licensing as an adjuster in the states of: TX, FL, CA, and NY (we can provide assistance with your licensing fees).

Other:

• Reliable high-speed internet connectivity required.
• Designated quiet work from home space.

Actual compensation for this position will vary based on skills, qualifications, and experience. The range reflects annual compensation (as applicable) and does not include bonuses or other incentives that the company may choose to pay at its sole discretion.

In addition to base compensation Swyfft offers a comprehensive benefit package.

We Have a Great Benefits Package!

• Medical, Dental, and Vision
• Short- and Long-Term Disability (Company Paid)
• Voluntary Long-Term Disability
• Employee Life & AD&D (Company Paid)
• Voluntary Employee, Spouse, and Child Life & AD&D
• Healthcare, Dependent Care and Transit FSA, and Healthcare Savings Account (HSA)
• 401K with a generous matching contribution and no vesting schedule
• 20 days of PTO annually (prorated based on hire date)
• Company Paid Holidays and 2 "Choose Your Own Holidays"

It is the policy of Swyfft to provide equal employment opportunities to all employees and applicants for employment without regard to race, religion, color, ethnic origin, gender, gender identity, age, marital status, veteran status, sexual orientation, disability, or any other basis prohibited by applicable federal, state, or local law. EOE/AA/M/D/V/F.

If you require accommodations during the application or interview, please contact Human Resources at [e-mail], and we will make every effort to accommodate your needs.

Please Note: Swyfft Holdings, LLC does not accept 3rd party agency resumes for this position, please do not forward resumes to our career’s email address or Swyfft Holdings, LLC employees. Swyfft Holdings, LLC will not be responsible for any fees related to unsolicited resumes.