Complex Coverage Associate

Distinct | North America; California; Remote; USD 225,000 - 300,000; Full time

Benefits offered by this job

401k

Job summary

Distinct | North America is seeking a Complex Coverage Associate to work fully remote with a San Francisco seat. The role pays $225,000 to $300,000 with discretionary bonus and builds on professional liability coverage expertise.

You’ll draft coverage letters and opinions, handle declaratory relief actions in state or federal court, and deliver actionable results by Friday. You’ll own files end-to-end and stand behind your writing when carriers push back.

Qualifications

• Experience in professional liability coverage.
• California Bar admission required.
• Ability to craft clear, actionable coverage opinions.

Responsibilities

• Draft coverage letters and opinions for carriers.
• Assist in declaratory relief actions in state or federal court.
• Provide timely, written risk assessments and recommendations.
• Manage files end-to-end and defend written positions to carriers.

Skills

Complex coverage

Legal writing

Advisory skills

Litigation exposure

Education

California Bar

Job description

Complex Coverage Associate | Fully Remote, San Francisco | $225,000 to $300,000

You've probably written a coverage letter this year that saved a carrier more money than you'll earn in the next ten, and the thank you was a three percent raise and a new matter number.

This one starts at $225,000 and goes to $300,000 with a discretionary bonus, and you can do it from home against a San Francisco seat. It's complex coverage for carriers, part advice and part litigation, so one month you're writing the opinion and the next you're in a declaratory relief action in state or federal court defending what you wrote.

The policies are big and the programs come in layers, and the carriers on the other end of the phone know their business. What they want from you is an answer they can act on by Friday, with your name on it. The reservation of rights letters and coverage opinions are yours, a good few of them hanging on one comma in an exclusion and the two words either side of it. You run your own files and nobody checks your emails before they go.

If you've done professional liability coverage you'll go to the front of the line. If your coverage years have been in something else, I'd still like to hear from you, as long as you're happy to put a view in writing and stand behind it when the carrier pushes back. There's a national coverage group to lean on when a file gets heavy, decent benefits with a 401k, and you'll need the California Bar.