Complex Liability Claims Adjuster

Raphael & Associates; United States; On-site; USD 90,000 - 130,000; Full time

Benefits offered by this job

Base salary

Incentives

Healthcare: medical, dental, vision, &

Life insurance

401(k) with company match

Paid time off

Job summary

Raphael & Associates, a global third-party claims administrator, seeks an experienced Complex Liability Claims Adjuster to manage high-exposure General and Excess Liability claims.

You will analyze coverage, negotiate settlements, manage litigated matters with defense counsel, and maintain reserves, while collaborating with insureds, brokers, and internal partners. Active NY adjuster license required; state licensing as applicable.

Qualifications

• 7–10+ years handling complex high-exposure General Liability and/or Excess Liability claims.
• Active Resident State Licensing or Active Non-Resident State Licensing and a New York Adjuster license.
• Litigation experience from inception through resolution.
• Strong knowledge of liability coverage, tort law, and claims handling best practices.
• Excellent negotiation, analytical, and decision-making skills.
• Strong written and verbal communication abilities.
• Ability to independently manage a complex caseload in a fast-paced environment.
• Proficiency with claims management systems and Microsoft Office Suite.

Responsibilities

• Investigate, evaluate, and resolve complex General Liability and Excess Liability claims, including high-exposure bodily injury, property damage, catastrophic losses, and litigated matters.
• Analyze coverage, liability, damages, and exposure to develop effective claim strategies.
• Establish, maintain, and adjust reserves in accordance with company guidelines and best practices.
• Manage litigated claims in partnership with defense counsel, including oversight of pleadings, discovery, motion practice, mediation, and trial preparation.
• Review medical records, expert reports, and damage evaluations to assess claim exposure.
• Negotiate settlements within authority and provide recommendations on high-value claims.
• Maintain accurate, timely, and well-documented claim files.
• Communicate effectively with insureds, claimants, attorneys, brokers, and internal business partners.
• Ensure compliance with regulatory requirements, company standards, and service expectations.

Skills

Negotiation

Analytical thinking

Decision making

Communication

Claims systems

Microsoft Office

Education

Active State License

New York Adjuster license

Tools

Claims management systems

Microsoft Office Suite

Job description

Raphael & Associates is a globally recognized third-party claims administrator and independent claims adjusting firm, known for delivering exceptional service. We understand the importance of staying agile in a dynamic market and pride ourselves on tailoring our solutions to meet the unique needs of each client. While the work we do as a claims organization is complex, our mission is clear: to deliver outstanding service, attract and retain top-tier professionals, and leverage industry-leading technology to drive results.

Join Our Team

As a leader in the industry, we offer dynamic and rewarding career opportunities for individuals who are driven to make an impact. Our culture is built on collaboration, innovation, and a shared commitment to excellence. We value professionals who bring creativity, vision, and a proactive, results-oriented mindset.

The Opportunity

We are seeking an experienced Complex Liability Claims Adjuster to manage high-exposure general liability and excess liability claims involving significant financial exposure, complex coverage issues, and litigation. The ideal candidate will possess strong analytical and negotiation skills, advanced coverage expertise, and the ability to effectively manage claims through resolution while partnering with defense counsel, insureds, brokers, and internal stakeholders.

Key Responsibilities

• Investigate, evaluate, and resolve complex General Liability and Excess Liability claims, including high-exposure bodily injury, property damage, catastrophic losses, and litigated matters.
• Analyze coverage, liability, damages, and exposure to develop effective claim strategies.
• Establish, maintain, and adjust reserves in accordance with company guidelines and best practices.
• Manage litigated claims in partnership with defense counsel, including oversight of pleadings, discovery, motion practice, mediation, and trial preparation.
• Review medical records, expert reports, and damage evaluations to assess claim exposure.
• Negotiate settlements within authority and provide recommendations on high-value claims.
• Maintain accurate, timely, and well-documented claim files.
• Communicate effectively with insureds, claimants, attorneys, brokers, and internal business partners.
• Ensure compliance with regulatory requirements, company standards, and service expectations.

Qualifications

• 7–10+ years of experience handling complex, high-exposure General Liability and/or Excess Liability claims.
• Active Resident State Licensing or Active Non-Resident State Licensing and an active New York Adjuster license required.
• Demonstrated experience managing litigated casualty claims from inception through resolution.
• Strong knowledge of liability coverage, tort law, and claims handling best practices.
• Excellent negotiation, analytical, and decision-making skills.
• Strong written and verbal communication abilities.
• Ability to independently manage a complex caseload in a fast-paced environment.
• Proficiency with claims management systems and Microsoft Office Suite.

Benefits and Perks

We are an organization that values and recognizes the contributions of our team members. We offer a competitive compensation and benefits package commensurate with experience, including base salary, performance-based incentives, paid time off, comprehensive medical, dental, vision, and life insurance, as well as a 401(k) plan with company matching.

Raphael & Associates is an Equal Opportunity Employer. We are committed to building an equitable, collaborative and diverse workforce throughout our organization by providing equal employment opportunities to all employees and applicants without regard to race, color, religion, sex, national origin, age, disability, genetic information, veteran status, or any other legally protected characteristic. This policy extends to all aspects of our employment practices, including but not limited to, recruiting, hiring, discipline, terminations, promoting, transferring, compensation, benefits, training, leave of absence, and other terms, conditions, and benefits of employment.

The above is intended to describe this job's general requirements. It is not to be construed as an exhaustive statement of duties, responsibilities, or physical requirements. Nothing in this job description restricts management's right to assign or reassign duties and responsibilities to this job at any time. Reasonable accommodations may be made to enable individuals with disabilities to perform essential functions.