Liability Claims Specialist

Coterie Insurance; United States; Remote; USD 75,000 - 105,000; Full time

Benefits offered by this job

100% remote work

Health insurance paid 100%

401K plan with up to 4% match

Flexible PTO policy up to 5 weeks

Company-paid holidays

Job summary

A leading insurance company is seeking a Liability Claims Specialist to evolve its claims experience, focusing on commercial property and casualty claims. The ideal candidate will have 5-7 years of relevant experience, exceptional negotiation skills, and a proper adjuster license. The role involves collaborating with various teams, analyzing claims, maintaining oversight, and negotiating resolutions. This is a fully remote position with a competitive salary range and excellent benefits package.

Qualifications

• 5-7 years of experience resolving property and casualty claims.
• Prior work experience at an insurance company or claims service provider.
• Knowledge of insurance claims operations and policy construction.

Responsibilities

• Resolve General Liability and Professional Liability claims.
• Coordinate with internal teams on projects and processes.
• Investigate claims and assess coverage issues.
• Negotiate resolutions and prepare reports for management.
• Maintain claims oversight and manage vendors.

Skills

Commercial Property and Casualty claims knowledge

Negotiation skills

Exceptional communication

Detail oriented

Time management

Education

Proper adjuster licensing in applicable states

5-7 years of insurance industry experience

Tools

Microsoft Office

Job description

Who we are:

Through a partnership-based approach, Coterie helps insurance professionals unlock untapped revenue in the small commercial space. With an innovative quoting platform that delivers accurate pricing and bindable quotes in less than one minute, Coterie makes small business insurance effortless.

We are on a mission to build and foster a world-class team to bring speed, simplicity, and service to commercial insurance. We value integrity, humility, passion, and intelligence. If you want to push yourself, promote social good, and reshape a $200B+ market, we’re excited to talk to you!

What will the Liability Claims Specialist do?

Coterie is evolving its claims experience, and we need an experienced Liability Claims Specialist. You’ll be working closely with our Claims Leadership Team, assisting internal and external stakeholders. If you are a go-getter who has passion for commercial property and casualty claims and want to change the insurance industry, we want to talk to you!

Core Hours Needed: Monday-Friday 8:00am-5:00pm (in your US time zone)

• Develop and implement strategy to resolve Commercial Property and Casualty, General Liability, Property and Professional Liability claims of moderate level of severity and complexity, but may be required to handle volume
• Coordinate and collaborate with cross-functional Coterie team members on process, product, project, insurance, and other global enterprise initiatives
• Investigate claim and review the insureds' and claimants’ materials, documents, reports etc.
• Identify and assess coverage issues, draft coverage position letters, and retain coverage counsel, when necessary as well as review coverage counsel's opinion letters and analysis
• Develop and implement strategy relative to coverage issues which correlate with the overall strategy of matters entrusted to the handler's care
• Analyze coverage and damages for purposes of estimating, assessing and recommending reserves
• Maintain a diary of all claims, post reserves in a timely fashion, and expeditiously respond to claims inquiries from insured, counsel, underwriters, brokers, and senior management
• Negotiate resolution of claims
• Assist in the development, shaping, adherence to, and execution of best practices
• Maintain vendors list for field investigators, appraiser’s, experts, fraud investigators and CAT alerts.
• Maintain contact and oversight with the TPA claim staff
• Work with underwriting on appetite selection, form development.
• Identify and review of each jurisdiction's applicable statutes, rules, and case law
• Analyze, and direct initial risk transfer, subrogation/salvage action, additional insured issues, and contractual indemnity issues, to ensure equitable contribution across all claim stakeholders
• Retain counsel when necessary and direct counsel in accordance with resolution strategy
• Prepare and present written/oral reports to senior management setting forth all issues influencing evaluation and recommending reserves
• Travel to and from locations within the United States to attend mediations, trials, and other proceedings relevant to the resolution of the matter. Expected travel <5-10%

What we are looking for

• Ability to work regular work the core hours of Monday-Friday 8:00am-5:00pm in your time zone. Additional off hours may be needed pending business needs.
• 5-7 years of work experience at an insurance company and/or insurance claims loss adjustment service provider resolving property and casualty claims.
• Considerable working knowledge of insurance industry and insurance claims operations particularly around commercial property and casualty claims, policy construction, ISO Commercial BOP forms.
• Proper adjuster licensing in all applicable states.
• Legal concepts and processes knowledge base
• Exceptional communication (written and verbal), influencing, evaluation, negotiating, listening, and interpersonal skills to effectively develop productive working relationships with internal/external peers and other professionals across organizational lines
• Strong time management and organizational skills
• Ability to take part in active strategic discussions
• Excellent collaboration skills, self-motivated and willing to take initiative
• Able to understand and synthesize day-to-day work within the team into trends, themes, successes and opportunities over periods of time
• Strong negotiation and persuasion abilities
• Exceptional interpersonal and client service skills
• Detail oriented and superior organizational skills
• Team player with the ability to collaborate with others
• Ability to work independently, with support, in a fast-paced, evolving environment
• Hands‑on experience and strong aptitude with Microsoft Office

What will make you stand out:

• Previous experience supporting a business through explosive growth
• Quality Assurance (QA), Continuous Process Improvement (CPI), User Experience (UX/UI), Design Thinking, Lean, Agile, Project Management (PM), and/or Product Owner (PO) experience
• AIC and PTC designations a plus

Our interview process:

Our hiring process generally consists of 4 phases. The goal is to provide an opportunity for us to learn more about our candidates while allowing them to get to know us as well!

• Phase 1 : Qualified candidates will first meet with a member of our People Operations team for a phone interview. This discussion is a high-level conversation to understand more about your background and interests and for us to share more about Coterie and the position.
• Phase 2 : Selected candidates will be invited to meet with our Hiring Manager for a 2nd interview via Teams video. This interview is designed to be more detail oriented and allows you to learn more about the role and expected to be 30 minutes in length.
• Phase 3 : Top candidates will be invited to participate in our project and team interview phase. This phase will include an experiential exercise, provided in advance, followed by a one-hour panel interview with claims leadership team.
• Phase 4 : Final candidates will then receive an invite to meet with a member of our senior leadership team. This interview will be focused on core values and culture and is expected to be 30 minutes in length.

What's in it for you:

Coterie has excellent benefits for all full‑time employees. We offer the following:

• 100% remote
• Health insurance through Aetna (we pay 100% of premiums)
• Dental and vision insurance through Guardian (we pay 100% of premiums)
• Basic life insurance (we pay 100% of premiums)
• Access to flexible spending account (FSA) or health savings account (HSA) (for those using HSA eligible plans)
• 401K plan (up 4% match with immediate vest)
• Flexible PTO policy offering up to 3 weeks of time off to support onboarding and integration during the first twelve months of employment. After the first year of employment and effective as of the anniversary date, eligibility transitions to up to 4 to 5 weeks of time off annually to recharge and sustain long-term success.
• 12 company‑paid holidays each year
• Annual salary estimated between 75,000-105,000 based on national data. Candidates who meet all the minimum requirements and possess additional relevant experience, as outlined in the job description, may be considered for a salary above the midpoint of the above range. Salary is based on internal equity; internal salary ranges; market data/ranges; applicant’s skills; prior relevant experience; degrees or certifications, etc.

Work Authorization:

At this time, Coterie Insurance is unable to consider candidates who require current or future visa sponsorship. Applicants must have authorization to work in the United States without the need for sponsorship now or in the future. Falsification of an application, including work authorization status, is immediate grounds for dismissal from consideration.