General Liability Adjuster

Sedgwick Claims Management Services; Georgia; Hybrid; USD 88,000 - 120,000; Full time

Benefits offered by this job

Medical

Dental

Vision

401k and matching

PTO

Disability and life insurance

Employee assistance

Job summary

Sedgwick Claims Management Services in the United States is seeking a General Liability Adjuster to oversee end-to-end handling of complex CGL claims. You will analyze policy language, manage litigated files, and negotiate settlements while coordinating with clients and defense counsel.

The role requires 5+ years in CGL claims, strong analytical skills, and the ability to work across multi‑jurisdictional exposures. Excellent communication and documentation are essential.

Qualifications

• Bachelor's degree or equivalent work experience.
• Adjuster licensing as required by jurisdiction(s) handled.
• Minimum of 5+ years of commercial general liability claims handling experience required; experience with litigated and construction-related claims strongly preferred.

Responsibilities

• Independently investigate and manage a full caseload of CGL claims, including premises liability, slip and fall, product liability, construction defect and construction-related losses, and contractual liability exposures.
• Drive timely claim resolution through proactive file management, strategic planning, and adherence to best practices in diary management and documentation.
• Analyze complex policy language, including insuring agreements, endorsements, exclusions, and limits to determine coverage applicability; draft clear coverage position letters.
• Conduct comprehensive liability investigations, including review of incident reports, contracts, leases, indemnification provisions, and other documents; establish reserves.
• Manage litigated files, including the retention and direction of defense counsel; participate in mediations and settlements.
• Negotiate settlements within delegated authority; assess settlement value based on liability, damages, venue, and risks.
• Identify and pursue risk transfer opportunities, coordinating with coverage counsel and carriers.
• Maintain proactive, professional communication with insureds, claimants, brokers, clients, and internal stakeholders.
• Maintain thorough file documentation and ensure compliance with regulations and client instructions.

Skills

CGL coverage understanding

Policy interpretation

Litigation experience

Negotiation skills

Communication skills

Claims systems proficiency

Time management

Organizational skills

Independent work

Education

Bachelor's degree or equivalent

Adjuster licensing

Tools

Claims systems

MS Office

Job description

By joining Sedgwick, you'll be part of something truly meaningful. It's what our 33,000 colleagues do every day for people around the world who are facing the unexpected. We invite you to grow your career with us, experience our caring culture, and enjoy work-life balance. Here, there's no limit to what you can achieve.

Newsweek Recognizes Sedgwick as America's Greatest Workplaces National Top Companies

Certified as a Great Place to Work®

Fortune Best Workplaces in Financial Services & Insurance

General Liability Adjuster

Primary Purpose

The Commercial General Liability (CGL) Claims Adjuster is responsible for the end-to-end handling of complex third-party bodily injury and property damage claims arising under commercial general liability policies. This role requires advanced expertise in coverage analysis, liability determination, litigation management, and risk transfer, particularly across multi-jurisdictional and construction-related exposures. The adjuster is expected to proactively manage claim outcomes, control loss costs, and ensure compliance with client service standards, regulatory requirements, and internal quality expectations.

Essential Functions and Responsibilities

Claim Investigation & File Ownership

Independently investigate and manage a full caseload of CGL claims, including but not limited to premises liability, slip and fall, product liability, construction defect and construction-related losses, and contractual liability exposures.

Drive timely claim resolution through proactive file management, strategic planning, and adherence to best practices in diary management and documentation.

Coverage Analysis & Policy Interpretation

Analyze complex policy language, including insuring agreements, endorsements, exclusions (e.g., ongoing/completed operations, additional insured provisions), and limits to determine coverage applicability.

Draft clear, defensible coverage position letters, including reservation of rights and denial letters, consistent with jurisdictional requirements and client expectations.

Liability & Damages Evaluation

Conduct comprehensive liability investigations, including:

• Review and analysis of incident reports, contracts, lease agreements, and indemnification provisions
• Identification and application of contractual risk transfer provisions
• Obtaining and evaluating recorded statements, expert opinions, photographs, and surveillance
• Evaluate injury severity, medical treatment, and long‑term exposure, including review of medical records, bills, and independent medical evaluations (IMEs) where applicable.
• Establish, maintain, and adjust reserves in accordance with claim developments and severity exposure.

Litigation Management

Manage litigated files, including the retention and direction of defense counsel.

Provide strategic oversight on litigation plans, budgets, pleadings, discovery, and dispositive motions.

Participate in mediations, settlement conferences, and trial preparation, ensuring alignment with client and organizational strategies.

Settlement & Negotiation

Negotiate settlements within delegated authority while balancing cost containment and risk exposure.

Evaluate settlement value based on liability, damages, venue, and litigation risks, and escalat appropriately when exceeding authority.

Risk Transfer & Subrogation

Identify, evaluate, and pursue risk transfer opportunities, including:

• Additional insured tenders
• Contractual indemnity provisions
• Subrogation potential

Coordinate with coverage counsel, carriers, and third parties to maximize recovery and proper allocation of liability.

Client & Stakeholder Communication

Maintain proactive, professional communication with insureds, claimants, brokers, clients, and internal stakeholders.

Provide detailed status updates, large loss reports, and claim summaries tailored to client-specific reporting requirements.

Documentation, Compliance & Quality

Maintain thorough, accurate, and timely file documentation to support claim decisions and audit readiness.

Ensure compliance with applicable state regulations, client service instructions, and internal audit and quality standards.

Participate in internal and external audits, file reviews, and continuous improvement initiatives.

Additional Functions and Responsibilities

• Support organizational quality initiatives, audit programs, and operational excellence efforts.
• Contribute to process improvement, knowledge sharing, and team development activities as needed.
• Perform other duties as assigned.

Qualifications

Education & Licensing

• Bachelor's degree or equivalent work experience.
• Adjuster licensing as required by jurisdiction(s) handled.

Experience

• Minimum of 5+ years of commercial general liability claims handling experience required; experience with litigated and construction-related claims strongly preferred.

Skills & Knowledge

• Strong understanding of CGL coverage, policy interpretation, and jurisdictional differences
• Experience managing litigated claims and working with defense counsel
• Knowledge of construction defect, additional insured coverage, and risk transfer strategies
• Ability to assess liability, damages, and exposure in complex loss scenarios
• Strong negotiation and settlement skills
• Excellent written and verbal communication, including drafting coverage correspondence and client reports
• Proficiency in claims systems and Microsoft Office applications
• Demonstrated organization, attention to detail, and time management
• Ability to work both independently and collaboratively in a fast‑paced, team‑driven environment
• Proven ability to meet or exceed performance, quality, and compliance metrics

WORK ENVIRONMENT

When applicable and appropriate, consideration will be given to reasonable accommodations.

Mental : Clear and conceptual thinking ability; excellent judgment, troubleshooting, problem solving, analysis, and discretion; ability to handle work‑related stress; ability to handle multiple priorities simultaneously; and ability to meet deadlines

Physical : Computer keyboarding, travel as required

Auditory/Visual : Hearing, vision and talking

The statements contained in this document are intended to describe the general nature and level of work being performed by a colleague assigned to this description. They are not intended to constitute a comprehensive list of functions, duties, or local variances. Management retains the discretion to add or to change the duties of the position at any time.

As required by law, Sedgwick provides a reasonable range of compensation for roles that may be hired in jurisdictions requiring pay transparency in job postings. Actual compensation is influenced by a wide range of factors including but not limited to skill set, level of experience, and cost of specific location. For the jurisdiction noted in this job posting only, the range of starting pay for this role is ($88,000 - $120,000 USD annually).

• medical
• dental
• vision
• 401k and matching
• PTO
• disability and life insurance
• employee assistance
• flexible spending or health savings account
• other additional voluntary benefits

Sedgwick is an Equal Opportunity Employer and a Drug‑Free Workplace.

Sedgwick is building a diverse, equitable, and inclusive workplace and recognizes that each person possesses a unique combination of skills, knowledge, and experience.

Requisition #: R76244

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