Complex Claims Director - Insurance Expert

mercor; United States; Remote; USD 91,000 - 129,000; Part time

Job summary

Mercor is seeking a Complex Claims & Coverage Director to lead high-stakes insurance claim strategies on a remote, contract basis. You will design scenarios, craft coverage analyses, and guide litigation management for sophisticated, multi-party matters.

The role demands 2+ years of experience with complex, high-severity claims, strong written reasoning, and the ability to review records for key issues. This hourly position offers paid weekly via Stripe Connect and 20+ hours per week.

Qualifications

• 2+ years of professional experience handling complex, litigated, high-severity, or coverage-sensitive insurance claims.
• Evaluated coverage issues and developed claim strategies involving multiple parties, layers, policies, or jurisdictions.
• Understand insurer duties, reservation-of-rights practices, litigation management, settlement authority, and escalation to internal or external counsel.
• Distinguish operational coverage positions from formal legal advice and know when specialized legal review is required.
• Demonstrate exceptional written reasoning, defensible judgment, and high attention to detail.

Responsibilities

• Design realistic scenarios involving disputed coverage, reservations of rights, excess exposure, multiple insureds, multiple carriers, allocation, litigation, mediation, bad-faith risk, and high-severity settlement strategy.
• Create work products such as complex claim strategies, coverage-position analyses, authority requests, litigation-management plans, reserve rationales, and escalation recommendations.
• Write "golden" reference responses at senior technical claims quality.
• Grade AI-generated responses against structured rubrics for policy analysis, strategic judgment, factual support, stakeholder awareness, and escalation discipline.
• Identify claim-handling positions that are internally inconsistent, unsupported by the record, operationally unrealistic, or outside the authority of a non-lawyer claims professional.
• Provide written feedback the research team uses to improve model behavior.

Skills

Complex claims handling

Litigation management

Coverage analysis

Written communication

Job description

Complex Claims Director - Insurance Expert

Mercor connects elite creative and technical talent with leading AI research labs. Headquartered in San Francisco, our investors include Benchmark, General Catalyst, Peter Thiel, Adam D'Angelo, Larry Summers, and Jack Dorsey.

Position: Complex Claims & Coverage DirectorType:ContractCompensation:$80/hourLocation:RemoteCommitment:20+ hours/week

Role Responsibilities

• Design realistic scenarios involving disputed coverage, reservations of rights, excess exposure, multiple insureds, multiple carriers, allocation, litigation, mediation, bad-faith risk, and high-severity settlement strategy.
• Create work products such as complex claim strategies, coverage-position analyses, authority requests, litigation-management plans, reserve rationales, and escalation recommendations.
• Write "golden" reference responses at senior technical claims quality.
• Grade AI-generated responses against structured rubrics for policy analysis, strategic judgment, factual support, stakeholder awareness, and escalation discipline.
• Identify claim-handling positions that are internally inconsistent, unsupported by the record, operationally unrealistic, or outside the authority of a non-lawyer claims professional.
• Provide written feedback the research team uses to improve model behavior.

Qualifications

Must-Have

• 2+ years of professional experience handling complex, litigated, high-severity, or coverage-sensitive insurance claims.
• Evaluated coverage issues and developed claim strategies involving multiple parties, layers, policies, or jurisdictions.
• Understand insurer duties, reservation-of-rights practices, litigation management, settlement authority, and escalation to internal or external counsel.
• Can distinguish an operational coverage position from formal legal advice and recognize when specialized legal review is required.
• Demonstrate exceptional written reasoning, defensible judgment, and high attention to detail.
• Comfortable reviewing incomplete records and clearly separating facts, assumptions, open issues, and recommended next steps.

Preferred

• Experience with excess casualty, professional liability, directors and officers, cyber, environmental, construction-defect, or other complex lines.
• Experience managing mediations, trials, coverage disputes, or extra-contractual exposure.
• Home-office technical claims or claim-governance experience.
• Experience overseeing TPAs, independent adjusters, experts, or panel counsel.

Start Date

Immediately; applications reviewed on a rolling basis.

Compensation & Legal

Hourly contractor, Paid weekly via Stripe Connect.

mercor

Mercor connects elite creative and technical talent with leading AI research labs. The company specializes in matching top-tier professionals with AI research organizations to support advanced projects. Mercor facilitates work across multiple domains including financial analysis, hedge fund strategy evaluation, and deal structuring, leveraging AI to enhance model training and research capabilities. The company bridges the gap between specialized talent and cutting-edge AI research institutions.