Environmental Claims Specialist - Complex Claims Unit

The Hartford; Hartford (CT); Hybrid; USD 108,000 - 161,000; Full time

Job summary

The Hartford is seeking an experienced Complex Claims Unit Environmental – Claim Specialist to lead the most complex, high‑value environmental claims. You will manage investigations, coordinate litigation, analyze multi‑policy coverages, and negotiate resolutions with expertise in liability and damage assessments.

Ideal candidates have 5+ years in general liability/environmental claims, strong negotiation and communication skills, and a licensed or soon‑to‑be licensed Property & Casualty

Qualifications

• 5+ years general liability claim handling experience with environmental or other latent injury claims or claims under affirmative pollution coverages
• Experience in handling affirmative/defensive risk transfer, including additional insured tenders
• Excellent verbal and written communication skills
• Excellent analytical and critical thinking ability
• Proficiency with MS Office, especially Word and Excel
• Active Property & Casualty State Insurance Adjuster license or ability to obtain licensing within 3 months of hire

Responsibilities

• Manage the most complex, high-value claims with detailed knowledge of the claim and a clear strategy for resolution
• Provide proactive communications to customers and business partners in claims management
• Review and analyze multiple complex policies and coverage parts (GL, umbrella/excess, pollution)
• Write clear, concise and accurate coverage positions
• Conduct investigations regarding claims and/or lawsuits
• Effectively manage litigation and counsel, including litigation planning/budgeting
• Develop and articulate complex coverage, liability and damage assessments
• Provide detailed recommendations to leadership
• Pursue and finalize coverage/liability transfers against other liable parties and insurers
• Conduct complex negotiations and articulate coverage/liability positions
• Attend mediations and trials as necessary
• Manage expenses, reserves and financial transactions
• Maintain up-to-date claims metrics

Skills

Environmental claims handling

Negotiation skills

Stakeholder communication

Litigation coordination

Analytical thinking

MS Office (Word, Excel)

Education

Bachelor's degree

JD or advanced degree

Active Property & Casualty Adjuster license

Tools

Litigation tracking tools

Job description

Specialist Claims - CH07DE

We’re determined to make a difference and are proud to be an insurance company that goes well beyond coverages and policies. Working here means having every opportunity to achieve your goals – and to help others accomplish theirs, too. Join our team as we help shape the future.

Complex Claims Unit Environmental – Claim Specialist

The Claim Specialist role is the most advanced claim handler position within the ENVIRONMENTAL unit of The Hartford’s Complex Claims Unit (CCU), responsible for the management of various complex claims brought against The Hartford’s insureds. Claims in CCU are often associated with complex fact patterns and coverage issues that may involve multiple years and types of insurance coverage. CCU claims also commonly involve litigation, require subject matter expertise and can involve higher exposures. The Environmental Claim Specialist role within CCU offers a high-impact opportunity for professionals to engage their problem-solving capabilities and navigate complex legal issues. This position focuses on managing legacy environmental and pollution claims, often involving historical contamination, chemical exposure, and long-tail liability, requiring detailed investigation, legal analysis, and strategic resolution. As part of a specialized team, you’ll influence litigation strategies, manage significant financial exposures, and become a subject matter expert in environmental liability and insurance.

Responsibilities

Claim Specialists are able to independently and timely manage all aspects of the most complex, high-value claims while exhibiting a detailed knowledge of the claim, a well‑reasoned analytical focus and a clear strategy for resolution. The candidate must share their expertise and contribute to broader claim goals by participating in audits, projects and training initiatives.

• Provide proactive communications to customers and business partners in the management and resolution of claims
• Respond to inquiries from customers and provide superior customer service
• Review and analyze multiple complex policies and coverage parts (including general liability, umbrella/excess liability and affirmative pollution coverages)
• Write and articulate clear, concise and accurate coverage positions
• Conduct investigations regarding claims and/or lawsuits
• Effectively manage litigation and counsel, inclusive of litigation planning/budgeting, and proactively position claims for resolution
• Develop and persuasively articulate complex coverage, liability and damage assessments
• Provide detailed impactful recommendations to leadership
• Pursue and finalize coverage and liability risk transfer against other liable parties and insurance carriers
• Conduct complex negotiations and articulate coverage/liability positions
• Attend mediations and trials as necessary
• Proactively manage accurate expense, reserve and financial transactions
• Consistently maintain up‑to‑date claims metrics

Required Qualifications

• 5+ years general liability claim handling experience with environmental or other latent injury claims or claims under affirmative pollution coverages
• Experience in handling affirmative/defensive risk transfer
• including additional insured tenders
• Excellent verbal and written communication skills
• Excellent analytical and critical thinking ability
• Ability to present in a roundtable setting with a well‑reasoned and analytical evaluation
• Superior customer service skills and active listening skills
• Proven track record of prioritizing and managing multiple responsibilities
• Proven track record of effective negotiations/settlement of high‑value general liability claims
• Demonstrated negotiation and conflict resolution skills
• Proficiency with MS Office, especially Word and Excel
• Proficiency handling litigated claims
• Active Property & Casualty State Insurance Adjuster license or ability to obtain licensing within 3 months of hire

Preferred Qualifications

• Bachelor’s degree strongly preferred
• 10+ years long‑tail claim handling experience
• JD, other advanced degree, or experience in an environmental consulting discipline (such as geology, hydrology, ecology, or environmental engineering) a plus

Additional information

This role can have a Hybrid or Remote work arrangement. Candidates who live near one of our office locations (Hartford, CT, San Antonio, TX, Lake Mary, FL, Phoenix, AZ, Naperville, IL, Alpharetta, GA) will have the expectation of working in an office 3 days a week (Tuesday through Thursday). Candidates who do not live near an office will have a remote work arrangement, with the expectation of coming into an office as business needs arise.

Compensation

Compensation The listed annualized base pay range is primarily based on analysis of similar positions in the external market. Actual base pay could vary and may be above or below the listed range based on factors including but not limited to performance, proficiency and demonstration of competencies required for the role. The base pay is just one component of The Hartford’s total compensation package for employees. Other rewards may include short‑term or annual bonuses, long‑term incentives, and on‑the‑spot recognition. The annualized base pay range for this role is: $107,600 - $161,400

Equal Opportunity Employer/Sex/Race/Color/Veterans/Disability/Sexual Orientation/Gender Identity or Expression/Religion/Age

About Us | Our Culture | What It’s Like to Work Here | Perks & Benefits

Every day, a day to do right. Showing up for people isn’t just what we do. It’s who we are – and have been for more than 200 years. We’re devoted to finding innovative ways to serve our customers, communities and employees—continually asking ourselves what more we can do. Is our policy language as simple and inclusive as it can be? Can we better help businesses navigate our ever‑changing world? What else can we do to destigmatize mental health in the workplace? Can we make our communities more equitable? That we can rise to the challenge of these questions is due in no small part to our company values that our employees have shaped and defined. And while how we contribute looks different for each of us, it’s these values that drive all of us to do more and to do better every day.