Senior Claims Examiner, Complex Liability

Gallagher; Torrance (CA); On-site; Confidential; Full time

Job summary

Gallagher is seeking a Senior Claims Adjuster in Torrance, CA to analyze coverage, settle complex claims, and manage the full lifecycle of assigned files. You will negotiate settlements with clients and attorneys, and provide guidance to junior adjusters while upholding company policies and regulatory requirements.

Ideal candidates have a high school diploma with 7+ years in specialty claims, licenses in relevant states, and strong analytical, communication, and problem-solving skills.

Qualifications

• High school diploma and 7 years related experience in applicable specialty claims.
• Licensed and/or certified in all states where claims are handled or able to obtain licenses.
• Knowledge of industry standards and practices; experience with claims software.

Responsibilities

• Analyze coverage and settle complex claims.
• Manage full lifecycle of assigned claims files.
• Negotiate settlements with clients, attorneys, and public adjusters.
• Provide guidance to lower-level adjusters and ensure adherence to policies and regulations.

Skills

Analytical thinking

Negotiation

Verbal communication

Written communication

Problem solving

Education

High school diploma

Bachelor's degree preferred

Tools

Claims software

Job description

Introduction

At Gallagher, we help clients face risk with confidence because we believe that when businesses are protected, they’re free to grow, lead, and innovate. You’ll be backed by our digital ecosystem: a client-centric suite of consulting tools making it easier for you to meet your clients where they want to be met. Advanced data and analytics providing a comprehensive overview of the risk landscape is at your fingertips. Here, you’re not just improving clients' risk profiles, you’re building trust. You’ll find a culture grounded in teamwork, guided by integrity, and fueled by a shared commitment to do the right thing. We value curiosity, celebrate new ideas, and empower you to take ownership of your career while making a meaningful impact for the businesses we serve. If you’re ready to bring your unique perspective to a place where your work truly matters; think of Gallagher.

Introduction

At Gallagher, we help clients face risk with confidence because we believe that when businesses are protected, they’re free to grow, lead, and innovate. You’ll be backed by our digital ecosystem: a client-centric suite of consulting tools making it easier for you to meet your clients where they want to be met. Advanced data and analytics providing a comprehensive overview of the risk landscape is at your fingertips. Here, you’re not just improving clients' risk profiles, you’re building trust. You’ll find a culture grounded in teamwork, guided by integrity, and fueled by a shared commitment to do the right thing. We value curiosity, celebrate new ideas, and empower you to take ownership of your career while making a meaningful impact for the businesses we serve. If you’re ready to bring your unique perspective to a place where your work truly matters; think of Gallagher.

How You'll Make An Impact

Analyzes coverage and settles the most complex and challenging claims in one or more of Gallagher Bassett's specialty claims areas. Generally, incumbent does not work on workers compensation claims. Able to manage the full-life cycle of all assigned claims files. Analyzes coverage and determines defense obligations. Independently conducts thorough analysis and investigations necessary to determine claims exposure and recommend appropriate settlement strategies and action plans. Creates reservation of rights and coverage denial letters. Negotiates settlements with clients, client attorneys, and Public Adjusters. Interacts extensively with various parties involved in the claims process, and may recommend retaining the advice of outside experts as necessary. Prepares reserve and settlement authority requests for client and carrier approval. May act as a client advocate with carriers to ensure proper claims handling, including any necessary scoping, estimating, and addressing of coverage. Has a solid understanding of claims processing and the insurance brokerage business. Has an in-depth understanding of the terminology and case law associated with their specialized claims niche/industry. Handles claims consistent with clients' and corporate policies, procedures and “best practices” and also in accordance with any statutory, regulatory and ethical requirements. Provides guidance and/or supervision to lower level adjusters. Incumbents at this level should be able to work at full case load capacity.

About You

Required: High school diploma and 7 years related experience working within the applicable specialty claims area. Demonstrated ability to handle unique/challenging claims issues at a senior adjuster level. Appropriately licensed and/or certified in all states in which claims are being handled or able to obtain the licenses/certification per local requirements. Knowledge of accepted industry standards and practices. Computer experience with related claims and business software.

Preferred: Bachelor's Degree highly preferred. 10 or more years of prior experience adjusting claims in applicable specialty area highly preferred.

Behaviors: Ability to think critically, solve problems, plan and organize activities, serve clients, negotiate, effectively communicate verbally and in writing and embrace new challenges. Analytical skill necessary to make decisions and resolve issues inherent in handling of claims. Ability to successfully negotiate the settlement and disposition of claims including the ability to interpret related documentation.

Compensation And Benefits

At Gallagher, we believe supporting our colleagues goes far beyond the role itself. For more information, visit our Benefits page.

• Competitive compensation
• Comprehensive benefits programs designed to support your well-being
• Career development opportunities and ongoing learning
• A collaborative, people-first culture with accessible leadership
• The opportunity to do meaningful work with global reach and local impact

At Gallagher, we are dedicated to building an inclusive and authentic workplace.

If your past experience doesn’t align perfectly, we encourage you to join our Talent Community to stay connected to additional career opportunities. At times, we will consider transferable skills from previous roles.

Gallagher is an affirmative action/equal opportunity employer (Minorities/Females/Veterans/Disabled)