Claims Specialist/Claim Consultant - Complex Claims Unit Latent Bodily Injury

Hartford; Florida; Hybrid; USD 85,000 - 161,000; Full time

Job summary

The Hartford is seeking a Claims Specialist/Consultant in Latent Bodily Injury to manage complex, high-value claims within CCU BI. Role involves detailed policy review, litigation coordination, and data-driven decision making.

Ideal candidates have 5+ years in latent bodily injury claims, strong negotiation skills, and the ability to communicate complex coverage positions clearly. Hybrid/remote options available, with office presence near several locations.

Qualifications

• 5+ years latent bodily injury claim handling experience.
• Experience in handling affirmative/defensive risk transfer; including additional insured tenders.
• Excellent verbal and written communication skills.
• Excellent analytical and critical thinking ability.
• Ability to present in a roundtable setting with a well-reasoned and analytical evaluation.
• Experience in the creation and delivery of presentations.
• Superior customer service skills and active listening skills.
• Proven track record of prioritizing and managing multiple responsibilities.
• Proven track record of effective negotiations/settlement of high-value general liability claims.
• Demonstrated negotiation and conflict resolution skills.
• Proficiency with MS Office, especially Word and Excel.
• Active Property & Casualty State Insurance Adjuster license.
• Proficiency utilizing AI-powered tools to enhance claim reviews and streamline workflows.

Responsibilities

• Provide proactive communications to customers and business partners throughout the claims management and resolution process.
• Respond promptly to customer inquiries and deliver exceptional customer service.
• Review and analyze multiple complex insurance policies and coverage sections, including general liability and umbrella/excess liability.
• Write and clearly articulate concise, accurate coverage positions.
• Conduct thorough investigations regarding claims and/or lawsuits.
• Effectively manage litigation and counsel, including litigation planning and budgeting, and proactively position claims for resolution.
• Develop and persuasively communicate complex coverage, liability, and damage assessments.
• Offer thoughtful, actionable guidance to leadership, which may include preparing and delivering presentations to inform decision-making.
• Pursue and complete coverage and liability risk transfers against other responsible parties and insurance carriers.
• Attend mediations and trials as needed.
• Proactively manage accurate expense, reserve, and financial transactions.
• Consistently maintain up-to-date claims metrics.
• Leverage AI-powered tools and analytics to enhance claim reviews, streamline workflows, and support data-driven decision-making throughout the claims process.

Skills

Communication

Analytical thinking

Negotiation

MS Office

License

Education

Bachelor's degree preferred

Tools

MS Office (Word/Excel)

Job description

Specialist Claims - CH07DE

Consultant Claims - CH08CE

We’re determined to make a difference and are proud to be an insurance company that goes well beyond coverages and policies. Working here means having every opportunity to achieve your goals – and to help others accomplish theirs, too. Join our team as we help shape the future.

CLAIM SPECIALIST / CLAIM CONSULTANT – LATENT BODILY INJURY

The Claim Specialist / Claim Consultant are the most senior claim handling designations within the Complex Claims Unit – Latent Bodily Injury (CCU BI). CCU BI is a highly specialized claim team responsible for the management of The Hartford's long-tail asbestos, sexual molestation/harassment, sports-related head injury, opioid, and toxic tort claims. Claims in CCU are often associated with complex fact patterns and coverage issues that may involve multiple years and types of insurance coverage. CCU claims also commonly involve litigation, require subject matter expertise to manage and can involve higher exposures.

Responsibilities

• Provide proactive communications to customers and business partners throughout the claims management and resolution process;


• Respond promptly to customer inquiries and deliver exceptional customer service;


• Review and analyze multiple complex insurance policies and coverage sections, including general liability and umbrella/excess liability;


• Write and clearly articulate concise, accurate coverage positions;


• Conduct thorough investigations regarding claims and/or lawsuits;


• Effectively manage litigation and counsel, including litigation planning and budgeting, and proactively position claims for resolution;


• Develop and persuasively communicate complex coverage, liability, and damage assessments;


• Offer thoughtful, actionable guidance to leadership, which may include preparing and delivering presentations to inform decision-making;


• Pursue and complete coverage and liability risk transfers against other responsible parties and insurance carriers;


• Attend mediations and trials as needed;


• Proactively manage accurate expense, reserve, and financial transactions;


• Consistently maintain up-to-date claims metrics;


• Leverage AI-powered tools and analytics to enhance claim reviews, streamline workflows, and support data-driven decision-making throughout the claims process.

Required Qualifications

• 5+ years latent bodily injury claim handling experience;


• Experience in handling affirmative/defensive risk transfer; including additional insured tenders;


• Excellent verbal and written communication skills;


• Excellent analytical and critical thinking ability;


• Ability to present in a roundtable setting with a well-reasoned and analytical evaluation;


• Experience in the creation and delivery of presentations;


• Superior customer service skills and active listening skills;


• Proven track record of prioritizing and managing multiple responsibilities;


• Proven track record of effective negotiations/settlement of high-value general liability claims;


• Demonstrated negotiation and conflict resolution skills;


• Proficiency with MS Office, especially Word and Excel;


• Active Property & Casualty State Insurance Adjuster license;


• Proficiency utilizing AI-powered tools to enhance claim reviews and streamline workflows.

Preferred Qualifications

• Bachelor's degree strongly preferred;


• 7-10+ years latent bodily injury claim handling experience;


• Proficiency handling litigated claims;


• Experience in analyzing EPLI and personal and advertising injury coverage parts;

We will hire at either the Claim Specialist or Claim Consultant level depending on the candidate’s experience and qualifications.

Claims Specialist ($107,600 - $161,400)

At the Claim Specialist level, the candidate must be able to independently and timely manage all aspects of the most complex, high-value claims while exhibiting a detailed knowledge of the claim, a well-reasoned analytical focus and a clear strategy for resolution

Claims Consultant ($84,800 - $127,200)

The Claim Consultant would handle claims of similar complexity, but with additional managerial oversight and coaching.

Other Information

This role can have a Hybrid or Remote work arrangement. Candidates who live near one of our office locations (Hartford, CT, San Antonio, TX, Lake Mary, FL, Phoenix, AZ, Naperville, IL, Alpharetta, GA) will have the expectation of working in an office 3 days a week (Tuesday through Thursday). Candidates who do not live near an office will have a remote work arrangement, with the expectation of coming into an office as business needs arise.

Compensation

The listed annualized base pay range is primarily based on analysis of similar positions in the external market. Actual base pay could vary and may be above or below the listed range based on factors including but not limited to performance, proficiency and demonstration of competencies required for the role. The base pay is just one component of The Hartford’s total compensation package for employees. Other rewards may include short-term or annual bonuses, long-term incentives, and on-the-spot recognition.

The annualized base pay range for this role is:

$84,800 - $161,400

The posted salary range reflects our ability to hire at different position titles and levels depending on background and experience.

Equal Opportunity Employer/Sex/Race/Color/Veterans/Disability/Sexual Orientation/Gender Identity or Expression/Religion/Age