Complex Casualty Adjuster - Hybrid

Vault Risk Management Services, LLC; Dallas, Northern (TX, KY); Hybrid; USD 120,000 - 210,000; Full time

Benefits offered by this job

Life & Disability Insurance

401k with match

PTO 23 days

Paid holidays 11

Telehealth

Wellness screenings

Employee Assistance Programs

Day 1 eligibility

Job summary

Vault Risk Management Services, LLC is seeking an experienced Claims Leader to adjudicate complex litigated claims across high-net-worth portfolios. You will review policies, lead investigations, and negotiate settlements with policyholders and counsel.

The role requires 10+ years of casualty claims experience, JD preferred, and strong analytical and negotiation skills. Hybrid work is available in Dallas, Chicago, or Tampa with comprehensive benefits.

Qualifications

• Bachelor’s degree or equivalent; 10+ years of claims adjusting experience in complex casualty.
• Experience with liability, property damage, and bodily injury; familiarity with litigation processes.
• Strong negotiation, communication, and analytical skills essential for high-stakes settlements.
• JD preferred; CPCU, AIC, or related designations are a plus.

Responsibilities

• Adjudicate complex litigated claims from inception to resolution with accuracy.
• Review policies to identify provisions and draft coverage position letters.
• Lead investigations: gather evidence, interview witnesses, coordinate with experts.
• Negotiate settlements with policyholders, claimants, and counsel to manage costs.
• Assess risk exposure and report trends to management; propose mitigation plans.
• Collaborate with underwriting and product teams; manage TPAs.
• Support nationwide litigation: select/manage counsel, assist in discovery.
• Maintain relationships with high-net-worth clients and brokers; ensure clear communication.
• Document all claim activities per company standards.

Skills

Claims management

Coverage analysis

Investigation & evaluation

Negotiation & settlement

Litigation management

Client relationships

Documentation & reporting

Education

Bachelor’s degree or equivalent

Juris Doctor (JD) preferred

Job description

Location

This role will be hybrid (3 days/week) in one of the following office locations: Dallas, TX (coming soon!), Chicago, IL or Tampa, FL.

Company Overview

At Vault, we are not just insuring assets. We are reducing risks with data-driven technology to Protect What Matters Most to our customers.

Our team is driven by a shared commitment to protect customers’ most prized possessions. We look at the bigger picture to provide custom solutions, exceptional service, and risk management to protect their legacy proactively.

Thinking about joining our team? We look for self-motivated and inventive individuals dedicated to providing the highest level of service to our customers and partners.

Why Choose Vault

• 46% of our workforce was referred by someone at Vault
• 37% growth rate in staff since December 2021
• Our Financial Strength is rated an A- by AM Best
• Rated 4.5 stars based on our customer experience reviews
• Our leaders are respected innovators with decades of insurance expertise
• Vault’s proprietary technology allows for enhanced capabilities, speed, and efficiency
• Leading high-net-worth insurance provider with a foundation in customized solutions
• Comprehensive benefits tailored to your lifestyle

Job Responsibilities

• Claims Management: Adjudicate complex litigated high net worth primary and excess liability claims, group excess liability claims, and complex commercial liability claims reflecting the highest degree of technical complexity. Handle claims from inception to resolution, ensuring timely, accurate, and fair resolution.
• Coverage Analysis: Review and analyze applicable policies to identify relevant policy provisions and validate coverage. Draft appropriate coverage position letters.
• Investigation & Evaluation: Lead thorough investigations into claims, including gathering evidence, interviewing witnesses, and coordinating with external experts (e.g., accident reconstructionists, medical professionals, and attorneys). Evaluate liability and damages to determine appropriate settlement amounts.
• Negotiation & Settlement: Negotiate settlements with policyholders, claimants, and legal counsel. Maintain a focus on achieving favorable outcomes while managing costs.
• Risk Assessment & Reporting: Regularly assess and report on the potential risk exposure for the company, advising management on trends and emerging issues related to complex claims. Develop strategies to mitigate risks and improve claim resolution processes.
• Collaboration: Effectively communicate with underwriting and product development to address issues affecting product lines. Promptly communicate with senior leadership to advise of adverse case developments. Manage any TPA relationships.
• Litigation Management: Manage litigation nationwide against insureds; appoint, direct, and manage defense counsel. Complete legal bill review. Assist in discovery, depositions, and preparing for trials as necessary.
• Client and Broker Relationships: Maintain relationships with high-net-worth clients, brokers, and agents, ensuring that communication is clear, professional, and proactive. Keep clients informed and guide them through the claims process.
• Claims File Management: Ensure accurate and timely documentation of claims files in compliance with company standards. Maintain detailed records of all claim-related activities, including communications, investigations, and settlement negotiations.

Preferred Qualifications

• Education: Bachelor’s degree or equivalent work experience.
• Experience: 10+ years of experience in claims adjusting, with a focus on litigated complex casualty claims in both commercial and high-net-worth personal lines. Prior experience in handling claims involving liability, property damage, and bodily injury is required.
• Knowledge: Deep understanding of insurance coverage, claims process, and policy provisions related to casualty insurance. Familiarity with legal and regulatory frameworks governing casualty claims and the ability to assess complex legal issues.
• Skills: Strong negotiation, communication, and problem-solving skills. Ability to manage multiple complex claims simultaneously while adhering to deadlines. Expertise in analyzing complex claims data, drafting reports, and presenting findings clearly.
• Juris Doctor (JD) preferred
• Experience with Professional Liability, Commercial Media, and E&S Commercial Lines
• Excess coverages.
• Familiarity with reinsurance principles and reporting structures.
• CPCU, AIC, or other relevant insurance designations.
• Flexible Spending Accounts & Health Savings Accounts, with company contributions
• Company-paid comprehensive life & disability insurance plans
• 24/7 Telehealth doctor access, virtual wellness screenings, Employee Assistance Programs
• Company 401k retirement plan with Day 1 eligibility (5% company match, 100% immediate vesting)
• 23 PTO days accrued yearly
• 11 paid holidays

Vault is committed to providing equal opportunities to all employees and employment applicants. It prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state, or local laws.