Coverage Specialist

USLI; Charleston (SC); Hybrid; USD 120,000 - 150,000; Full time

Benefits offered by this job

Performance-based bonuses

Medical benefits paid at 100% for full-time employees

Profit-sharing program

Free lunch every day while onsite

Over 450 annual personal and professional development courses

Job summary

A leading insurance company is seeking a legal expert to evaluate coverage issues and manage litigation. The ideal candidate holds a Juris Doctorate and has 3 to 7 years of legal experience. Responsibilities include drafting coverage letters, overseeing litigation, and providing guidance to claims personnel. The position offers the chance to work remotely for part of the month, alongside competitive benefits such as medical coverage and performance-based bonuses.

Qualifications

• 3 to 7 years of law firm/litigation experience and/or claims handling experience.
• Excellent oral and written communication skills for training and drafting.
• Ability to manage multiple cases simultaneously and work independently.
• Excellent oral and written communication for letters, opinions, and training.
• Ability to work independently and manage multiple cases efficiently.

Responsibilities

• Identify, evaluate, and analyze coverage issues across claims.
• Draft comprehensive coverage and denial letters.
• Manage outside counsel in litigated matters.
• Serve as internal claims counsel to support claims adjusters.
• Proactively negotiate settlement of claims.
• Perform legal research and keep abreast of case law trends.
• Training: develop and present training on legal coverage matters to internal teams.
• Policy language development: assist in drafting policy language with underwriting and legal teams.
• Travel: occasional travel for arbitrations, mediations, trials, and visits.

Skills

Coverage evaluation

Letter drafting

Litigation oversight

Negotiation skills

Communication skills

Organizational skills

Education

Juris Doctorate (JD)

Tools

Westlaw

Job description

Overview

About Us: At USLI, we’re not just about insurance — we are committed to making a difference, both internally and externally. Our community is built upon five values: Caring, Attitude, Respect, Empathy and Energy. Our commitment to these values leads us to make better decisions and furthers our true sense of community. By joining our team, you'll be part of a vibrant organization that values innovation, collaboration, and growth. Here, you’ll have the opportunity to shape the future of insurance and make a meaningful impact.

Your Role: You will use your legal expertise to provide guidance on coverage issues across various claim types. You will play a pivotal role in evaluating and analyzing coverage, overseeing coverage litigation, and providing legal opinions to claims personnel.

Key Responsibilities

• Coverage evaluation: Identify, evaluate, and analyze coverage issues across Professional, Casualty, and Property claims
• Letter drafting: Draft comprehensive coverage and denial letters to ensure clarity in communication with policyholders and other stakeholders
• Litigation oversight: Manage outside counsel in litigated matters
• Claims counsel: Serve as internal claims counsel to support claims adjusters and help resolve complex coverage matters
• Settlement negotiation: Proactively negotiate settlement of claims within evaluation and designated authority levels
• Legal research: Perform legal research and provide legal opinions to claims personnel. Keep abreast of insurance coverage case law, trends and experience and prepare summaries for dissemination of information within the company on coverage cases and trends
• Training: Develop and present training programs on legal coverage matters to internal claims teams
• Policy language development: Assist in drafting policy language, working closely with underwriting and corporate legal teams
• Travel: Occasional travel. Travel to attend arbitrations, mediations, settlement conferences, or trials, and participate in customer service visits as necessary

What You’ll Bring

• Legal expertise: Juris Doctorate and a strong background in claims handling, claims counsel, or relevant legal experience
• Analytical skills: Ability to evaluate complex coverage issues and apply legal principles to claim situations
• Negotiation skills: Strong negotiation abilities to effectively resolve coverage disputes and manage settlements
• Communication skills: Excellent oral and written communication skills for drafting letters, providing legal opinions, and training staff
• Organizational skills: Ability to work independently, manage multiple cases simultaneously, and maintain efficient operations

Qualifications

• Education: Juris Doctorate (JD)
• Experience: 3 to 7 years of law firm/litigation experience and/or 3-7 years of claims handling experience
• Technical skills: Good working knowledge of Westlaw and the ability to perform legal research efficiently

Position affords 5 days per month to work remotely.

What We Offer

One of the advantages of working at USLI is the competitive salary and benefits program we offer full-time and eligible part-time employees. Benefits include performance-based triannual bonuses, medical benefits paid at 100% for full-time employees and 80% for eligible part-time employees, a profit-sharing program, free lunch every day while onsite, and more than 450 annual personal and professional development courses. Explore more company benefits.

Why USLI?

At USLI, we are committed to fostering a vibrant and inclusive community that celebrates the rich diversity of all ethnicities, nationalities, abilities, genders, gender identities, sexual orientations, ages, religions, socioeconomic backgrounds, and life experiences. We understand the importance of continuous learning, self-reflection, acknowledging our biases, and expanding our perspectives beyond our own. We actively encourage open dialogue on diversity, equity, inclusion, and belonging to support a workplace where every individual feels valued, respected, and empowered to contribute at their fullest potential. Join us in building a diverse and inclusive environment where our shared values drive us toward excellence.