Senior Claims Consultant

Lockton Companies; New York (NY); Hybrid; USD 120,000 - 180,000; Full time

Benefits offered by this job

Health insurance

Wellbeing programs

Job summary

Lockton Companies in New York City is seeking a Senior Claims Consultant to serve as a senior client advocate and technical resource for complex property and casualty claims, with emphasis on general liability, auto liability, and workers' compensation.

You will evaluate liability exposures, analyze coverage, collaborate with insurers, TPAs, and counsel, and develop claim strategies, loss trend analysis, and risk mitigation initiatives for the Northeast Series.

Qualifications

• Bachelor's degree or equivalent combination of education and relevant experience.
• 10-15 years of progressively responsible experience handling or advising on commercial property and casualty claims.
• Expertise in complex general liability, auto liability, workers' compensation, and high-severity or litigated claims.
• Experience with excess liability claims and carrier coordination.
• Strong knowledge of liability insurance coverage, including exclusions, conditions, endorsements, additional insured status, and contractual risk transfer.
• Ability to provide both pre-loss risk management guidance and post-loss claim consulting.
• Excellent written communication and presentation capabilities.
• Must be legally authorized to work in the United States and not require sponsorship for this position.

Responsibilities

• Lead claims advocacy for significant, complex, or coverage-sensitive claims.
• Develop and execute claim strategies addressing liability, coverage, litigation, defense, and resolution.
• Participate in large-loss reviews, mediations, settlement discussions, and other strategic claim activities.
• Coordinate communication among clients, insurers, TPAs, counsel, producers, client executives, and internal specialists.
• Lead strategic reviews of current and legacy claim portfolios.
• Evaluate reserves, litigation strategies, action plans, and resolution opportunities.
• Identify claims for escalation, mediation, targeted closure, specialist involvement, or further investigation.
• Assess carrier and TPA performance and identify opportunities to improve claim outcomes and reduce total cost of risk.

Skills

Complex claim advocacy

General liability

Auto liability

Workers' compensation

Litigation strategy

Negotiation

Pre-loss risk management

Communication skills

Education

Bachelor's degree or equivalent combination of education and relevant experience

Job description

New York City, New York, United States of America

At Lockton, we’re passionate about helping our people achieve their ultimate potential. Our people are curious, action-oriented and always striving to make ourselves and those around us better. We’re active listeners working to ensure understanding and problem solvers developing innovative solutions. If you can see yourself delivering excellent service to clients, giving back to our communities and being a part of our caring culture, you belong here.

About Lockton Northeast
For the Northeast Series, you’ll find our people in the metropolitan areas spanning Washington DC, Philadelphia, New York City, Hartford, Norwalk, Boston, and Portland ME. With our unmatched work ethic, and an ability to go above and beyond to make a difference for our clients, the Northeast continues to experience double-digit (organic!) growth.

We offer a flexible & hybrid work environment that allows our Associates to split their time between in-person and remote.

Position Overview
The Senior Claims Consultant serves as a senior client advocate and technical resource for complex property and casualty claims, with emphasis on general liability, auto liability, workers compensation, excess liability, and other high-severity or coverage-sensitive matters.
The consultant advises clients before losses occur, supports response to significant incidents, and develops claim, litigation, and coverage strategies after claims are reported. Responsibilities include evaluating liability exposures, analyzing insurance coverage, collaborating with insurers, TPAs, and counsel, conducting strategic claim reviews, and translating complex claim and coverage issues into practical business recommendations.

The role also supports loss trend analysis, risk mitigation initiatives, client stewardship, prospect presentations, and the development of consistent claims consulting practices across the Northeast Series.
Core Responsibilities:

Claims Management and Complex Claim Advocacy across WC, AL, and GL claims

• Serve as lead claims advocate for significant, complex, or coverage-sensitive claims.
• Develop and execute claim strategies addressing liability, coverage, litigation, defense, and resolution.
• Participate in large-loss reviews, mediations, settlement discussions, and other strategic claim activities.
• Coordinate communication among clients, insurers, TPAs, counsel, producers, client executives, and internal specialists.

Coverage and Policy Analysis

• Review and analyze insurance policies to identify coverage issues affecting claim strategy.
• Evaluate tenders, additional insured status, reservations of rights, denials, allocation disputes, retentions, deductibles, attachment issues, and contractual risk transfer.
• Develop coverage advocacy strategies and coordinate with counsel as needed.

Strategic Claim and Portfolio Consulting

• Lead strategic reviews of current and legacy claim portfolios.
• Evaluate reserves, litigation strategies, action plans, and resolution opportunities.
• Identify claims for escalation, mediation, targeted closure, specialist involvement, or further investigation.
• Assess carrier and TPA performance and identify opportunities to improve claim outcomes and reduce total cost of risk.

Risk Advisory and Claims Analytics

• Advise clients on claim reporting protocols, significant-event response planning, evidence preservation, and insurer notice requirements.
• Analyze loss trends and claim data to identify recurring loss drivers, coverage gaps, and risk mitigation opportunities.
• Collaborate with Risk Control, Analytics, Producers, and Client Executives to convert claim experience into actionable risk management strategies.

Client and Practice Leadership

• Support stewardship meetings, RFP responses, finalist presentations, renewal strategy discussions, and new-client transitions.
• Develop claims consulting tools, templates, protocols, and service standards.
• Mentor junior professionals and deliver internal and client-facing training.
  

Qualifications

• Bachelor's degree or equivalent combination of education and relevant experience.
• 10-15 years of progressively responsible experience handling or advising on commercial property and casualty claims through:
  • Broker claims advocacy or consulting
  • Insurance carrier or TPA claims organizations
  • Insurance defense, coverage, or related legal practice
• Demonstrated expertise in complex general liability, auto liability, workers compensation, and other high-severity or litigated claims.
• Experience with excess liability claims, including attachment, allocation, defense transition, and carrier coordination.
• Strong knowledge of commercial liability insurance coverage, including exclusions, conditions, endorsements, additional insured status, contractual risk transfer, reservation-of-rights positions, and other insurance issues.
• Experience developing claims, litigation, mediation, and resolution strategies with clients, insurers, TPAs, and counsel.
• Ability to provide both pre-loss risk management guidance and post-loss claim consulting.
• Strong consultative judgment, negotiation skills, written communication, and presentation capabilities.
• Must be legally authorized to work in the United States and not require sponsorship for this position, now or in the future.

Preferred Qualifications:

• Experience with claims involving multiple insureds, policies, jurisdictions, or disputed insurer allocation.
• Experience with construction-related claims, including construction defects, bodily injury, wrap-up programs, additional insured issues, indemnity, and contractual risk transfer.
• Experience with healthcare and professional liability exposures.
• Experience advising clients with large deductibles, self-insured retentions, captives, or legacy claim portfolios.
• CPCU, AIC, ARM, JD, or comparable designation. Legal degree is helpful.

Equal Opportunity Statement

Lockton Companies is proud to provide everyone anequal opportunity to grow and advance. We are committed to an inclusive culture and environment where our people, clients and communities are treated with respect and dignity.

At Lockton, supporting diversity, equity and inclusion is ingrained in our values, and we believe that we are at our best when we fully embrace everyone. We strive to cultivate a caring culture that learnsfrom, celebrates and thrives because of ourbreadth of differences. As such, we recognize that recruiting, developing and retaining people with diverse backgrounds and experiences is vital and enabling our people to thrive personally and professionally is critical to our long-term success.

About Lockton

Lockton is the largest privately held independent insurance brokerage in the world. Since 1966, our independence has allowed us to serve our clients, take care of our people and give back to our communities. As such, our 13,100+ Associates doing business in over 155 countries are empowered to do what’s right every day.

At Lockton, we believe in the power of all people. You belong at Lockton.

How We Will Support You

At Lockton, we empower you to be true to yourself in all that you do. Your success is our success, and we provide opportunities to help you grow and create a rewarding career path, however you envision it.

We are ready to meet you where you are today, and as your needs change over time. In addition to industry-leading health insurance, we offer additional options to support your overall health and wellbeing.

Any Employment Agency, person or entity that submits an unsolicited resume to this site does so with the understanding that the applicant's resume will become the property of Lockton Companies, Inc. Lockton Companies will have the right to hire that applicant at its discretion and without any fee owed to the submitting Employment Agency, person or entity. Employment Agencies, who have fee Agreements with Lockton Companies must submit applicants to the designated Lockton Companies Employment Coordinator to be eligible for placement fees.