Complex Commercial General Liability Claims Adjuster

WCF Insurance; Phoenix (AZ); Remote; USD 89,000 - 111,000; Full time

Benefits offered by this job

Medical, dental, and vision insurance.

Company paid life insurance.

401K with a generous 6% employer match

Employee Assistance Program (EAP)

Volunteer time off

4 weeks vacation in first year

Job summary

WCF Insurance, a long‑standing property and casualty carrier, seeks a Complex Commercial General Liability Claims Adjuster. You will investigate high‑exposure claims, determine coverage and liability, and manage cases through resolution with internal teams and defense counsel.

The role supports regulatory compliance and effective outcomes. Hybrid/remote options are available, with preferred on-site collaboration at regional offices in Phoenix or surrounding states; a license in required

Qualifications

• Bachelor’s degree or AIC designation required.
• At least 5 years of experience handling complex claims and litigation in commercial insurance.
• Experience with construction liability, D&O, and E&O claims a plus.
• Strong knowledge of tort law, insurance coverage, and litigation procedures.
• Ability to interpret medical records, accident reconstruction reports, and legal filings.
• Excellent communication and organizational skills.

Responsibilities

• Manage a caseload of complex bodily injury claims, including catastrophic cases.
• Conduct thorough investigations using police reports, medical records, and witness statements.
• Assess liability, damages, and coverage to guide claim decisions.
• Collaborate with legal counsel in litigation, mediations, depositions, and trials as needed.
• Negotiate settlements within authority limits while balancing cost and outcomes.
• Communicate effectively with policyholders, claimants, attorneys, and others.
• Ensure compliance with company policies and regulatory requirements.
• Provide reserve recommendations based on claim developments.
• Work with underwriting, product, and legal teams on loss trends and risk factors.
• May train department staff on handling complex injury claims and litigation.

Skills

Complex claims handling

Litigation experience

Negotiation strategies

Oral and written communication

Organizational skills

Time management

Decision making

Medical terminology understanding

Interpret medical records and reports

Education

Bachelor’s degree or AIC designation

Job description

WCF Insurance is an “A” rated, innovative property and casualty carrier with more than a century of experience serving businesses across the Western United States. Since 1917, we have built our reputation on doing the right thing, being great at what we do, and helping others succeed. As we continue to grow, we are looking for individuals who share these values and want to contribute to delivering an excellent insurance experience.

Position Overview

The Complex Commercial General Liability Claims Adjuster is a full-time, exempt position reporting to the Manager, Commercial Liability Claims. This role investigates, documents, and determines coverage and liability for high-exposure, complex, and litigated commercial general liability. The adjuster manages claims through resolution, collaborates with defense counsel and other stakeholders, and supports effective claim outcomes consistent with company policies and regulatory requirements.

This position is on WCF's Commercial General Liability team.

Location

Candidates who are able to work out of WCF's Sandy, Utah headquarters are preferred. Candidates able to commute to one of our regional offices in Phoenix, AZ; Las Vegas, NV; Englewood, CO; or Meridian, ID are welcome. Remote candidates residing in Arizona, Nevada, Colorado, or Idaho will also be considered.

Licensing

This position requires the ability to obtain and maintain the appropriate insurance adjuster license(s), including any licenses required in states of operation if not already held.

Essential Job Functions

• Manage a caseload of complex bodily injury claims, including those involving catastrophic injuries and fatalities.
• Conduct thorough investigations, including reviewing police reports, medical records, expert evaluations, and witness statements.
• Assess liability, damages, and coverage to make strategic claim decisions.
• Collaborate with legal counsel in litigation management, including attending mediations, depositions, and trials as necessary.
• Evaluate and negotiate settlements within authority limits while balancing cost efficiency and claim resolution.
• Communicate effectively with policyholders, claimants, attorneys, and other involved parties.
• Ensure compliance with company policies, regulatory requirements, and best practices.
• Provide recommendations on reserve adjustments based on claim developments.
• Work with internal teams, including underwriting, product, and legal, to provide feedback on loss trends and potential risk factors.
• May act as a department trainer regarding the handling of complex injury claims and the litigation process.

Qualifications

• Bachelor’s degree or AIC designation.
• At least 5 years of experience handling complex claims and litigation in commercial insurance.
• Experience with construction liability, D&O, and E&O claims is a plus.
• Advanced understanding of state-specific unfair claims practices regulations, policy contracts, and commercial insurance principles.
• Strong knowledge of tort law, insurance coverage, litigation procedures, and negotiation strategies.
• Knowledge of general liability coverage and related insurance principles.
• Ability to interpret medical records, accident reconstruction reports, and legal filings.
• Strong understanding of medical, automotive, and liability terminology and concepts.
• Ability to communicate effectively, both orally and in writing.
• Exceptional organizational, time management, and decision‑making skills.

Benefits

• Medical, dental, and vision insurance.
• Company paid life insurance.
• 401K with a generous 6% employer match.
• Employee Assistance Program (EAP).
• Time off to volunteer in the local community.
• All employees earn 4 weeks of vacation their first year.

The expected salary range for this position is 89,100.00-111,300.00. This salary range depends on experience, education, and location for this specific position.

Values

The person in this position must demonstrate the WCF values of doing the right thing, being great at your job, and helping others succeed to fulfill the company’s mission of excellence.

Working Conditions

This position is based in an office environment with adequate temperature and lighting control. There are no known hazardous or unpleasant conditions caused by noise, dust, or other environmental factors. There are potentially high‑stress situations that require meeting deadlines. The employee must meet the job attendance requirements for this position.

Our People

WCF strives to provide an excellent work experience and cultivate an inclusive environment where anyone who embodies our values will thrive.

WCF Insurance is an Equal Opportunity Employer

WCF Insurance provides equal employment opportunity to all qualified applicants and employees regardless of race, color, religion, sex, age, national origin, veteran status, disability that can be reasonably accommodated, or any other basis prohibited by federal, state, or local law.