Remote Complex Claims Director - High-Severity Coverage

mercor; United States; Remote; USD 91,000 - 129,000; Part time

Job summary

Mercor is seeking a Complex Claims & Coverage Director to lead high-stakes insurance claim strategies on a remote, contract basis. You will design scenarios, craft coverage analyses, and guide litigation management for sophisticated, multi-party matters.

The role demands 2+ years of experience with complex, high-severity claims, strong written reasoning, and the ability to review records for key issues. This hourly position offers paid weekly via Stripe Connect and 20+ hours per week.

Qualifications

• 2+ years of professional experience handling complex, litigated, high-severity, or coverage-sensitive insurance claims.
• Evaluated coverage issues and developed claim strategies involving multiple parties, layers, policies, or jurisdictions.
• Understand insurer duties, reservation-of-rights practices, litigation management, settlement authority, and escalation to internal or external counsel.
• Distinguish operational coverage positions from formal legal advice and know when specialized legal review is required.
• Demonstrate exceptional written reasoning, defensible judgment, and high attention to detail.

Responsibilities

• Design realistic scenarios involving disputed coverage, reservations of rights, excess exposure, multiple insureds, multiple carriers, allocation, litigation, mediation, bad-faith risk, and high-severity settlement strategy.
• Create work products such as complex claim strategies, coverage-position analyses, authority requests, litigation-management plans, reserve rationales, and escalation recommendations.
• Write "golden" reference responses at senior technical claims quality.
• Grade AI-generated responses against structured rubrics for policy analysis, strategic judgment, factual support, stakeholder awareness, and escalation discipline.
• Identify claim-handling positions that are internally inconsistent, unsupported by the record, operationally unrealistic, or outside the authority of a non-lawyer claims professional.
• Provide written feedback the research team uses to improve model behavior.

Skills

Complex claims handling

Litigation management

Coverage analysis

Written communication

Job description

Mercor is seeking a Complex Claims & Coverage Director to lead high-stakes insurance claim strategies on a remote, contract basis. You will design scenarios, craft coverage analyses, and guide litigation management for sophisticated, multi-party matters.

The role demands 2+ years of experience with complex, high-severity claims, strong written reasoning, and the ability to review records for key issues. This hourly position offers paid weekly via Stripe Connect and 20+ hours per week.