Claims Specialist III

American International Group; Atlanta (GA); On-site; USD 85,000 - 110,000; Full time

Benefits offered by this job

Total Rewards Program

Job summary

American International Group (AIG) is seeking an experienced Casualty Claims Adjuster to handle Commercial Auto Liability and Commercial General Liability claims from notice to resolution. You will analyze coverage, evaluate injuries, negotiate settlements, and coordinate with insureds, attorneys, and internal partners to deliver timely, fair outcomes.

The role requires strong liability analysis, litigation management experience, and the ability to balance customer service with financial

Qualifications

• Bachelor's degree preferred or equivalent combination of education and experience.
• Minimum 6 years of Commercial Auto Liability and/or Commercial General Liability claims handling experience.
• Demonstrated experience handling bodily injury claims involving moderate to significant exposure.
• Experience interpreting policy coverage and drafting coverage position letters, reservation of rights letters, and denial letters.
• Experience managing both litigated and non‑litigated claims.
• Excellent analytical, investigative, and critical‑thinking skills.
• Strong verbal and written communication skills.
• Active Property & Casualty Adjuster License preferred; must obtain required state licensing within six months of hire.

Responsibilities

• Claim Investigation, Evaluation and Negotiation: Conduct prompt investigations, gather and evaluate evidence, analyze coverage, and negotiate settlements within authority.
• Litigation Management: Manage litigated files, coordinate with defense counsel, monitor budgets and expenses, participate in mediations.
• Financial and Regulatory Stewardship: Establish and maintain indemnity and expense reserves, ensure regulatory compliance.
• Customer and Stakeholder Management: Deliver professional, timely, empathetic communication and maintain relationships with insureds, brokers, claimants, and internal stakeholders.

Skills

Liability claims handling

Bodily injury claims

Policy interpretation

Litigation management

Verbal and written communication

Education

Bachelor's degree preferred or equivalent

Tools

Property & Casualty Adjuster License

Job description

At AIG, we are reimagining the way we help customers to manage risk. Join us as a Claims Specialist to play your part in that transformation.

It’s an opportunity to grow your skills and experience as a valued member of the team. Make your mark in Claims.

Our Claims teams are the proven problem solvers of choice for clients, delivering consistent technical excellence and showcasing our service differentiation to create an unparalleled global claims handling experience. Through a robust stakeholder feedback loop and supported by consistent processes and leadership, we take pride in delivering responsive, fair, and professional service with empathy and efficiency.

What you’ll create an impact: Picture yourself building a successful career at AIG working alongside other talented, highly motivated individuals committed to reaching our goal of becoming the world’s leading insurance provider. We believe that our success depends on building a world class team.

We are seeking an experienced Casualty Claims Adjuster to investigate, evaluate, negotiate, and resolve Commercial Auto Liability and Commercial General Liability claims. The ideal candidate will have a strong foundation in liability analysis, injury evaluation, coverage interpretation, and litigation management, with the ability to independently handle a moderate to complex caseload from initial notice through resolution. This role requires sound judgment, strong analytical skills, and the ability to balance customer service, financial stewardship, and technical claim expertise. The adjuster will work closely with insureds, claimants, attorneys, brokers, and internal business partners to deliver timely, fair, and compliant claim outcomes.

Responsibilities

Claim Investigation, Evaluation and Negotiation

• Conduct prompt, thorough investigations to determine coverage, liability, damages, and compensability.
• Gather and evaluate evidence, including statements, police reports, medical records, expert reports, and other relevant documentation.
• Analyze coverage issues and prepare reservation of rights, denial, and other coverage correspondence as appropriate.
• Evaluate bodily injury, property damage, and exposure-related claims to determine appropriate resolution strategies.
• Independently negotiate settlements within established authority levels.
• Develop and execute proactive claim resolution strategies that achieve timely and cost‑effective outcomes.
• Identify and mitigate claim exposure through effective investigation, evaluation, and negotiation.
• Ensure accurate claim documentation supporting all decisions and actions taken throughout the life of the claim.

Litigation Management

• Manage litigated files and coordinate with defense counsel to develop case strategies.
• Review pleadings, discovery responses, deposition summaries, and legal evaluations.
• Monitor litigation budgets and legal expenses to ensure efficient claim handling.
• Participate in mediations, settlement conferences, and other dispute resolution proceedings as necessary.

Financial and Regulatory Stewardship

• Establish and maintain accurate indemnity and expense reserves with documented rationale.
• Continuously evaluate reserve adequacy throughout the life cycle of the claim.
• Ensure compliance with company guidelines, statutory requirements, and regulatory standards across all applicable jurisdictions.
• Maintain diary and workload management systems to effectively prioritize and resolve assigned inventory.

Customer and Stakeholder Management

• Deliver exceptional customer service through professional, timely, and empathetic communication.
• Build strong working relationships with insureds, brokers, claimants, attorneys, and internal stakeholders.
• Communicate claim status, strategy, and exposure effectively to management and business partners.

What you’ll need to succeed

• Bachelor's degree preferred or equivalent combination of education and experience.
• Minimum 6 years of Commercial Auto Liability and/or Commercial General Liability claims handling experience.
• Demonstrated experience handling bodily injury claims involving moderate to significant exposure.
• Experience interpreting policy coverage and drafting coverage position letters, reservation of rights letters, and denial letters.
• Experience managing both litigated and non‑litigated claims.
• Excellent analytical, investigative, and critical‑thinking skills.
• Strong verbal and written communication skills.
• Active Property & Casualty Adjuster License preferred; must obtain required state licensing within six months of hire.

Preferred Qualifications

• Litigation management experience.
• Multi‑state claims handling experience.
• Experience handling serious bodily injury claims.
• Professional designations such as AIC, CPCU, ARM, or SCLA.
• Prior experience with commercial insurance carriers handling middle‑market or large commercial accounts.

Benefits

Enjoy benefits that take care of what matters. At AIG, our people are our greatest asset. We know how important it is to protect and invest in what’s most important to you. That is why we created our Total Rewards Program, a comprehensive benefits package that extends beyond time spent at work to offer benefits focused on your health, wellbeing and financial security—as well as your professional development—to bring peace of mind to you and your family.

About AIG

American International Group, Inc. (AIG) is a global leader in commercial and personal insurance solutions; we are one of the world’s most far‑reaching property casualty networks. It is an exciting time to join us — across our operations, we are thinking in new and innovative ways to deliver ever‑bigger solutions to our customers. At AIG, you can go further to support individuals, businesses, and communities, helping them to manage risk, respond to times of uncertainty and discover new potential. We invest in our largest asset, our people, through continuous learning and development, in a culture that celebrates everyone for who they are and what they want to become.

Culture of Inclusion

We’re committed to creating a culture that truly respects and celebrates each other’s talents, backgrounds, cultures, opinions and goals. We foster a culture of inclusion and belonging through learning, cultural awareness activities and Employee Resource Groups (ERGs). With global chapters, ERGs are a cornerstone for our culture of inclusion. The talent of our people is one of AIG’s greatest assets, and we are honored that our drive for positive change has been recognized by numerous recent awards and accreditations.

AIG provides equal opportunity to all qualified individuals regardless of race, color, religion, age, gender, gender expression, national origin, veteran status, disability or any other legally protected categories. AIG is committed to working with and providing reasonable accommodations to job applicants and employees with disabilities. If you believe you need a reasonable accommodation, please send an email to [e-mail].

Functional Area: CL - Claims. AIG Claims, Inc. As a global risk leader with deep industry expertise and innovative solutions to smartly manage risk, AIG enables our clients’ growth in ways they never thought possible. We also do the same for our colleagues, because we know our people are our greatest strength – the source of every insight, every idea and every innovation. When we’re working as one team to do what’s right for our colleagues and our communities, we can achieve excellence together. We encourage colleagues to give back to the causes they care most about, supporting these efforts through our Volunteer Time Off and Matching Grants Programs.

Join our Talent Community. Additional information about AIG can be found at www.aig.com | YouTube | Instagram| LinkedIn.