Complex Claims Director - Insurance Expert - AI Trainer

mercor; United States; Remote; USD 83,000 - 140,000; Full time

Job summary

Mercor is seeking a Complex Claims & Coverage Director for a remote, contract role paying $80/hour with a commitment of 20+ hours per week. The role focuses on designing realistic coverage scenarios, developing claim strategies, and guiding AI model-driven analyses.

Responsibilities include producing high-quality reference responses, managing litigation considerations, and providing actionable feedback to the research team to improve model behavior and coverage judgments.

Qualifications

• 2+ years handling complex or high-severity insurance claims.
• Experience evaluating coverage issues across multiple parties or policies.
• Understand duties, reservation-of-rights, litigation management, and escalation to counsel.
• Able to distinguish operational vs formal legal advice and identify need for legal review.
• Exceptional written reasoning and attention to detail.
• Ability to review incomplete records and separate facts from assumptions.

Responsibilities

• Design complex claim strategies and coverage-position analyses.
• Create litigation-management and reserve rationales.
• Write senior-quality AI reference responses.
• Grade AI-generated responses against structured rubrics.
• Provide feedback to improve model behavior.
• Identify misaligned claim-handling positions.

Skills

Complex claims handling

Litigation management

Coverage analysis

Reservation of rights

Written reasoning

Detail oriented

Education

CPCU

AIC

SCLA

ARM

Insurance designations

Job description

About the job 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 Director Type: Contract Compensation: $80/hour Location: Remote Commitment: 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 consistent, unsupported by the record, operationally unrealistic, or outside the authority of an 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

• CPCU , AIC , SCLA , ARM , or comparable insurance designation.
• 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 .