Complex Coverage Associate

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

Benefits offered by this job

Discretionary bonus

401(k)

Job summary

Distinct | North America is seeking a Complex Coverage Associate to work fully remotely from California, with a San Francisco seating option. Salary ranges from $225,000 to $300,000 plus a discretionary bonus.

You will handle professional liability coverage matters, draft opinions, and prepare letters, with fast turnarounds for carriers. The role combines advisory work and litigation in state or federal court, requiring keen analysis and independent file management.

Qualifications

• Active California Bar license.
• Experience drafting coverage opinions.
• Experience drafting reservation of rights letters.
• Ability to work remotely and meet tight deadlines.

Responsibilities

• Draft coverage opinions for complex professional liability matters.
• Prepare reservation of rights letters and pleadings as needed.
• Work independently on files and respond by Friday.
• Keep carriers informed with clear, actionable analyses.

Skills

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.